davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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. (TN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXXXXXX 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 XXXXXXXX XXXX XXXX # XXXX, has violated my rights. XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Capital One is not applying my payments correctly. On XXXX XXXX they assessed a late fee of XXXX for XXXX payment. On XXXX XXXX I paid XXXX the regular monthly payment that was due. XXXX XXXX I paid XXXX and on XXXX XXXX I paid XXXX to pay the XXXX late fee assessed. Instead of applying the XXXX to the late fee capital one took the payment and applied it to interest and did the the same with the additional payment from the XXXX payment I made on XXXX XXXX. In doing this they have reported my payments as being late to the credit bureau and showing the account past due XXXX days which is was not because i paid it. When I called I was informed that they can not change how the payment is applied it is done automatically by the system. So if your system tells me that I have payment of XXXX  due plus fees of XXXX which totals XXXX and in turn make a payment of XXXX. Then why are you not applying the money to what your system is telling me I owe? They are not like other lenders that provide options in their mobile and online applications that allow you to select on how the payment is applied. You have three options 1. one time, 2. recurring, 3. pay off next options are pay from, payment date, payment amount, and make payment. This system is designed to cause hardship for the customers and increase the amount of interest capital one receives.
Consumer complaint received 2017-10-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (WA)

I spoke with Pennslyvania Higher education this month and on that call I requested to arrange a lower payment or some sort of plan. I was told there were none available to me at this point. The man stated on the phone if I made my full payment in XX/XX/XXXX my taxes would not be taken from me, when i called today because they called me yesterday they stated they sent to the IRS yesterday to take my returns. I asked to speak to a Supervisor and she informed me there was nothing I could do I told her I spoke with them and siad nothing would be done with my taxes unless I missed anotherIr XXXX. which I have no idea how! I attended XXXX College in XXXX CA that is no longer there I was promissed every quarter to get on the job experience while I attended and it never happened they told me this was part of the program I graduated without every once stepping into any hands on training of any kind. I 'm currently unemployed and a single parent I 've never been able to get a job in the field most places claiming because I have no hands on experience. This student loan has ruined my life, I can never buy a home and constantly have poor credit no matter what I do. Please help me if you can. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To have on several occasions to have negative items removed from my report. But to no avail. I have also disputed several things on my report but they are still there. Also there a number of hospital bills on my report that the hospitals are trying to get paid twice for and XXXX have already paid the bill. I have tried to clear these things up but the creditors keep selling my so called depts and that is illegal.
Consumer complaint received 2017-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO HOME MORTGAGE SECONDARY HOME MORTGAGE I AM REQUESTING BALANCE OWED, DAYS LATE UNAPPLIED FUNDS BALANCE ON DATES THAT MY HOME WAS INSPECTED AND DATES AND AMOUNTS OWED WHEN LOCKS WERE CHANGED. 
WELLS FARGO RESPONDS HOWEVER THEY NEVER ANSWER THE SPECIFIC QUESTIONS AS TO DATES THAT INSPECTIONS WERE DONE AND THE AMOUNT I OWED ON THOSE DATES. 
THIS WAS A 10 YEAR LOAN I OWED LESS THAN {$10000.00} HAD A HICCUP IN MY LIFE FORGOT TO PAY THE REAL ESTATE TAXES AND THEN WELLS FARGO & I PAID THEM ON THE SAME DAY THEY STARTED TO ESCROW - IT WAS THE LAST 10 MONTHS ON THE LOAN!! THEY ALSO STARTED TO, MISAPPLY MY PAYMENTS FOR THIS LOAN AND THE ONE FOR MY PRIMARY HOUSE, THEY KEEP SITED THAT THE HOUSE WAS VACANT - IT WAS FURNISHED AND UNOCCUPIED SINCE IT IS A SEASONAL RESIDENCE. THE LOAN WAS PAID OFF NOT FORECLOSED - I AM ASKING FOR DATES OF INSPECTIONS, THE NAME OF THE VENDOR, THE AMOUNT I OWED ON THOSE DATES. SOMEONE TOOK ALL OF MY FURNITURE, AS WELL AS A TRACTOR AN XXXX HOUSE TRAILER --  WELLS FARGO IS DENYING RESPONSIBILITY. WHEN POLICE WENT TO HOUSE DOORS AND WINDOWS LOCKED BUT NO FURNITURE - WELLS FARGO ONLY ONES THAT HAD THE KEY
Consumer complaint received 2017-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Account # XXXX ( XXXX ) XXXX This account is on my report over the time limit it was closed XX/XX/XXXXlast payment made XXXX paid and charged of by XXXX in XXXX, and Equifax is still reporting this on my account. 
Thank you very much for helping me out. 

XXXX XXXX
Consumer complaint received 2017-10-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Trans-Fast Remittance LLC (CA)

I created an account on TransFast ( https : //www.transfast.com ). After spending days verifying my identify and bank information, I sent my first transactions. Within minutes after sending they cancelled my transaction without telling me why, and told me I can no longer use the service. Furthermore, they maintained my banking information, and the recipient banking information on it 's website, without the ability to remove this sensitive information, nor the ability to close the account. 

I want this information removed from their website, and they would not allow me to do so.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked Transunion to delete negative unverifiable information from my report, moreover they keep verifying closed accounts as accurate and update wrong information on my report. I specifically asked transunion to send me proof by mail to verify negative information which I have not received nothing and transunion continues to show and put back negative accounts on my report.
Consumer complaint received 2017-10-31
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have leased XXXX XXXX XXXX with Toyota financial services I bought gap insurance with them as well In XXXX I got in accident and my insurance company paid off the balance and a small balance left which gap insurance was supposed to pay ( it is a Toyota company paying another Toyota company situation and I have talked to both of them 20 times maybe ) Gap insurance company wrote a check in XXXX but in XXXX Toyota financial hit my perfect credit history with charge off It says paid now but now I am trying to buy a house and my credit score is lower than what it should be I just want them to remove charge off which is the mistake of their own company Called them many times called credit report companies and nothing happened
Consumer complaint received 2017-10-31
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 — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (MA)

To Whom It MaXXXX Concern : This letter is to dispute the late payments reported to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account for 10+ years has been on ACH with PNC where payments have been drawn directly from my bank account via the National City and  now PNC XXXX. For some reason in XXXX when my interest rate was raised, the ACH payments did not change and continued to draw on the PNC website with the old amounts. In XXXX while talking to a representative, I paid over the phone the outstanding balance, asked to escalate the late fees, as well as filled out a new ACH form as recommended by the representative, so as to avoid this situation moving forward. The payments continued to be drawn by ACH for an amount different then the amount due, and the late fees were never addressed. I called almost monthly after the new year speaking with many representatives, over and over trying to solve my problem to make sure the correct payments were being made. I filled out several more forms, as well as went online and changed around the ACH schedule there as well. 
Finally, XXXX in escalation department was nice enough to credit back some of the late fees recently, as she saw in the history all my efforts and my submitting of the form over and over in attempts to fix this issue. Finally in the last few of days, a representative and walked me through the ACH online process yet again, stating that the form wasnt going into effect because the online ACH was overriding it. He understood my frustration and recommended I send this letter.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. XXXX, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

I received an alert from XXXX XXXX about an inquiry and I thought it had to be a mistake because I have a fraud alert on my credit report. This was around the time of XXXX XXXX, which hit Florida. Then I received a letter from XXXX XXXX saying I was denied for a card but I never applied for a card. Also, anytime that credit is applied for, I am supposed to be contacted at the number on my credit report and no one called me. I see that they pulled my XXXX credit report which matched the credit pull alert that I received from XXXX XXXX. I just opened a credit card and had no need to open another and when I applied, this company called to verify it was me applying, which Sears did not. If they would have they would have been aware, I did not apply. The document had a reference number XXXX
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. Loancare, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Consumer complaint received 2017-10-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (CA)

On XX/XX/XXXX, my husband ( now ex-husband ) and I moved into XXXX XXXX XXXX in XXXX, XXXX. We resided here until XX/XX/XXXX. We put in our 30-day notice to vacate our apartment due to the fact my husband had military XXXX that were XXXX him in XXXX. Therefore, due to the Servicemembers Civil Relief Act ( SCRA ), we were allowed to break the remaining term of our lease. 

XXXX XXXX refused to accept my husbands official military XXXX, and since have sent our account to Hunter Warfield Collection Agency to try and collect on a debt that we do not owe. 

I have tried contacting XXXX XXXX, who are the owners of XXXX XXXX XXXX and they have yet to respond. 

I am currently working with my local credit repair company to resolve some past credit issues and they recommended that I contact CFPB to step in and handle this situation for me.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Onity Group Inc. (WA)

This issue is about a company called Ocwen Loan Servicing in Florida. 
I do not have a loan, never had a loan, never heard about nor ever had or did any business with Ocwen or Ocwen Loan Servicing. Nevertheless, Ocwen recorded and published in public records that I took out a loan with Ocwen for {XXXX, which I never did. Ocwen has placed a lien against my name on that loan and alleged I never paid the company back. 
I called Ocwen and sent faxed documentation XXXX XXXX approximately containing information and facts that confirms I have identity theft. XXXX XXXX, XXXX I spoke with XXXX in Ocwen 's Consumer Ombudsman 's office about the aforementioned issue. XXXX stated Ocwen had determined " I was not the Ocwen customer the company alleged defrauded them. And also stated even with the above being the fact Ocwen would not delete the negative information, release all liens and encumbrances placed against my name as their alleged client " has a similar or same name as I do. '' More importantly XXXX stated the reason Ocwen was not wanting to correct the situation is because the company requires a copy of my social security card that I will not send to them. Ocwen already knows and has confirmed their client has a different social security than I. I believe the request for my social security care is unlawful and an abuse of power against consumers. 
No governmental agency to my knowledge provides or has provided any company or entity the right - to deny a consumer their rights under the laws of the United States of America. The FTC nor the Consumer Protection Bureau has mandated such right to Ocwen. Consumers are not wise to provide their social security card to people or businesses with whom they never had nor have any relationship. 
I have identity theft and completed an affidavit for Ocwen that I located on the FTC website as well I submitted all documents Ocwen requested and submitted proof I have been a victim of identity theft, including a compromised identity card, provided me, by the XXXX XXXX. I also sent Ocwen copies of all the FTC and US laws requirements and mandates to release and desist from further harming ID theft victims through making public reports and or credit reports of erroneous damaging information against identity theft victims. Ocwen choses to ignore all laws, rules and regulations. Ocwen refuses to adhere to the US laws, rules and regulations of the FTC and Consumer Protection Bureau. Ocwen refuses to release their lien against me as well as refuses to release any and all other inaccurate encumbrances they have placed against me and or my name Ocwen is knowingly and willfully acting illegal by attempting to cohere consumers into providing information they have no right to and that is not required they provide by law, especially information as personal as one 's social security card.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX we put a stop payment on all transactions from XXXX XXXX. We then have our stop payment request refunded back to us on XX/XX/XXXX to then allow a check from XXXX XXXX for {$340.00} to go through putting our account into the negative big time. We never even were notified they were taking the stop payment off and then letting the payment from XXXX XXXX to go through. Talk about being crooked big time. this is very unacceptable.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (OR)

In 2008 I had an account with US Bank, the following year I had an ex-girlfriend use that Card and Identity to steal and overdraft the account, I reported to the police and verified she was using drugs and did not have permission to use my bank card, after that US BANK never contacted me, I was understood the matter was resolved, Now a Company that refuses to verify their address only calling themselves XXXX XXXX out of XXXX XXXX Phone Number XXXXXXXX continues to call not only I but my mother, my father and XXXX knows who else, when first speaking to them they stated the documents were from XXXX COUNTY XXXX COURTS, NOW it seems they only had two XXXX   Address ' one in XXXX  XXXX, and the OTHER in XXXX, in which allegedly they sent documents to those address ' 45 days ago I never received, they have drove on my private road and created further civil complaints by pretending to be a company they are not, as well as Un Fair Business Practices, Badgering, Patronizing and All around being RUDE, I don't owe the US BANK Anything..
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX Citibank assessed an annual fee of {$450.00} on my AAdvantage credit card. On XX/XX/XXXX Citibank unilaterally closed all of my accounts. When I called to have the annual fee reversed, I was told to wait 1-2 billing cycles. I did and the fee still has not been reversed despite numerous requests through Customer Service.
Consumer complaint received 2017-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (TX)

This is a notice of intent to sue. 

I am in XXXX, Texas and was affected by XXXX XXXX. I requested a deferment from my mortgage company, XXXX XXXX XXXX ). They granted a XXXX XXXX XXXX XXXX XXXX ( which is not what I requested or wanted and is of NO help ). Nevertheless, I was informed that " ... you do not need to make any mortgage payments. '' On the same date, I was sent a XXXX XXXX required courtesy reminder that my payment has not been sent. With all things the same, I have never been sent such a reminder. I am not sure if legal timelines are being followed. Today, XXXX/XXXX/XXXX, I am aware that CM has reported my account to the credit bureaus as delinquent. This has significantly changed my credit score. I KNOW that they have erred and will sue if not corrected immediately! CM has not been good to its customers during this time. I recognize that they have the right to help or not help.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Consumer complaint received 2017-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC (WI)

This company first contacted me months ago claiming I owed money to progressive for car insurance after I switched insurance companies. I disputed it and send them proof that they had been paid and that progressive actually owes me a partial refund. They called and said they did not receive it. I told them to stop calling me and send everything in writing. I also mailed a letter and included in the fax with another set of my documents. They stopped calling. Then suddenly they started calling again. I asked them to stop calling and even referenced the written letter. They claimed they never got anything and continued to call to the point that I blocked their number, but apparently my blocking system still allows them to leave messages which are 30 seconds of silence.