davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: PLANET HOME LENDING, LLC (OH)

I have contacted XXXXXXXX XXXX XXXXXXXX every month since the new servicer took over my account XXXX -- XXXX. The previous servicer Planet mortgage returned the payments for XXXX and XXXX ( each {$1500.00} ) via wire on XXXX in the amount of {$3100.00}. My payments were to be made for XXXX through XXXXXXXX XXXX XXXX My new servicer XXXX XXXX  has not received a single payment from XXXXXXXX XXXX XXXXXXXX. XXXX XXXX XXXX  claims that they need a XXXX record from the XXXX (? ) department from Planet Home Lending in order to send the payments. They claim they have requested this from them 4 times since XXXXXXXX XXXX  and Planet Home Lending has not replied. I have also called Planet Home Lending every month to try to have them send this information so that my payments can be made to my current mortgage servicer with no response. XXXX XXXX XXXXXXXX confirms that they have received the payments returned but will not pay my mortgage ( after a lien has been filed for the amount to bring current plus the payments that were to be made against my home ). As a result it appears that I have no payments being made since XX/XX/2023. XXXX placed me on a forbearance to allow time to get this resolved, and that is now at an end but no resolution is in sight and I shouldn't have had to use this option if they would have did what was supposed to be done. Now XXXX is asking that I agree to a deferral within the next week and a half which will add the past due amount onto the end of my loan but I have already signed for a lien for this amount with Save the dream so I will end up paying this amount 2x!!! Everyone is passing the buck and I am the one paying for their negligence and stuck in the middle. In addition I was laid off again and now because they used a forbearance to allow time for XXXX XXXX XXXX  and Planet Home Lending to get their stuff in order I no longer have that option since it has been used up for their negligence.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC (NC)

On Thursday, XX/XX/2023, I used the XXXX money transfer services to send {$110.00} from my back account with XXXX XXXX XXXX. I received a verification from my bank an hour later that the money was taken from my checking account and sent. A couple days later, I checked with the vendor that should have received the money but they said it never arrived. I trust the vendor because I have purchased from them before using a credit card. This is the first time I used XXXX services. I first contacted my bank ( XXXX -- XXXX ) and spoke to XXXX who was very helpful. She verified that the transfer was sent through XXXX, a service XXXX XXXX XXXX offers. She gave me the XXXX transaction ID of XXXX. I took that number and contacted XXXX customer service ( XXXX ) and they say they couldn't help me, to call my bank which I already did. I asked the XXXX employee on the phone why she could not trace the transaction and she refused. In fact, she hung up on me. 

The reason for this complaint is that this XXXX service has taken my money and not delivered it to its intended destination. Furthermore, they would not look into where the money went. I believe my money was accepted under fraudulent pretense. Please let me know if you need any other details. Thank you for the service you prove. I appreciate what your organization does.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 2023-05-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc. (MI)

The company allows you to make a payment over the phone for your scheduled payment early. It then posts the payment to the date you made that scheduled payment on your account and never withdraws the funds timely. Then when the payment is drafted the original payment amount and date are removed and it is reprocessed under the scheduled date. For example, I made a payment on XX/XX/XXXX, it posted on Avant 's end in a few days with that date. However, it was never drafted from my account via XXXX. Then when my original date came around, the XXXX, it didn't show as pending until the XXXX and now the account shows that I never made the payment on the XXXX or the XXXX and isn't even showing on my online account. and I have accrued interest on all of that time between the XXXX and today. The customer service rep then told me that I needed to provide a bank statement to prove the funds were being deducted even though they show the payment on their end internally but not on my online portal. This company is basically gaming the system of interest and not posting XXXX payments made over the phone in a timely fashion, then removing them once posted, and forcing the customer to pay additional interest. This loan is advertised as having no prepayment penalty, but when I prepaid my monthly payment, this is what happened.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MN)

Citi AAdvantage had an advertised promotion page on XXXX XXXX site in XX/XX/2023 when I applied for the card offer XX/XX/XXXX. It offered XXXX XXXX  miles on its Citi AAdvantage XXXX XXXX. After spending {$3500.00} with the card within the first 4 months of receiving the card. I applied from a link that was part of this advertisement, and received my card on XX/XX/2023, and activated it XX/XX/XXXX. I called Citi after activating it to verify the offer. I then made a retail purchase of {$3800.00} that fulfilled the stated requirements to receive the bonus XXXX miles. However when I receive the miles it was only XXXX miles. I called both Citi and XXXX XXXX each more than three times to correct the decrepancy but was told the bonus offer was only XXXX miles and Citi stated they did not know of such promotion. When I called the offer was still be advertised on XXXX XXXX website, and was until XX/XX/XXXX.
Consumer complaint received 2023-09-17
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. (SC)

COMPANY TRANS UNION IS STILL BREAKING THE LEGAL, REAL, CONSUMER LAW WHEN IT PERTAINS TO MY CREDIT REPORT. TRANSUNION IS BUILT OFF OF SLAVERY AND THIS COMPANY WILL NOT REMOVE FRAUDULENT INFORMATION OFF OF MY CREDIT REPORT EVEN THOUGH TRANSUNION HAS ALL PROPER DOCUMENTATION SUCH AS FTC REPORT, ORDER TO CEASE AND DESIST WHICH TRANSUNION HAS DISREGARDED AND VIOLATED SEVERAL TIMES WHICH IS NOW SUBJECT TO LEGAL ACTION IN COURT, PROOF OF ADDRESS AND PROOF OF IDENTIFICATION. TRANS UNION CONTINUES TO BREAK THE LAW AND NOW AND HAS STILL BEEN VIOLATING ME AND MY RIGHTS AS A CONSUMER. COMPANY TRANS UNION IS IN VIOLATION OF : 1. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 
2. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 3.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 4. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 5. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 6. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 7. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 8.15 US Code 1601- CONGRESSIONAL FINDXXXX AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE 11. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) 12. SECTION 604 15 US Code 1681B - PERMISSIBLE PURPOSE ( FULL DETAIL ) 13. SECTION 605 A 15 US Code 1681 C-1 - IDENTITY THEFT PREVENTION ; FRAUD ALERTS AND ACTIVE DUTY ALERT 14.SECTION 506 B 15 US Code 1681 C-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT AGAIN TRANSUNION WAS PROVIDED A FULL FTC REPORT OF ALL ACCOUNTS WHICH XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND TRANSUNION WILL NOT REMOVE THESE FRAUDULENT ACCOUNTS EVEN THOUGH THEY ARE BREAKING THE LAW AND THEY HAVE PROOF TO REMOVE. 
ALL VIOLATIONS THAT HAVE BEEN COMMITTED AGAINST ME, I WILL NOW BE REQUESTING {$2000.00} PER VIOLATION, PAIN AND SUFFERING, AND THE PAY OF COURT COST. THE TOTAL OF COMPENSATION IS {$50000.00}. COURT WILL BE AT A LOCAL VENUE NEAR ME. I HAVE BEEN DISPUTING THE FRAUDULENT ACCOUNTS THAT ARE ON MY CREDIT REPORT FOR YEARS. THIS SAME INFORMATION, OTHER BUREAUS HAVE REMOVED FRAUDULENT ACCOUNTS AND I DON'T UNDERSTAND WHY TRANSUNION WILL NOT REMOVE THIS INFORMATION. TRANSUNION CONTINUES TO BREAK THE LAW AND IS AWARE OF BREAKING THE LAW. REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT! TRANSUNION YOU ARE BREAKING THE LAW CONTINUOUSLY.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There is a card opened in my name that is not mine. Ive never had a capital one card let alone a credit card at all. 

The account that im talking about is the one opened on XX/XX/2022 for {$210.00}. 

Now i didn't open the card and its hurting my credit report badly. I expect it to be deleted please.
Consumer complaint received 2023-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

Fifth Third Bank XXXX XXXX XXXX MD XXXX XXXX, OH XXXX Dear Sir/Madam, Re : Case Number : XXXX I hope this letter finds you well. I am writing to bring to your attention an issue regarding the aforementioned case number. As the designated recipient of funds owed to me, I am facing a challenge with the maker of this case number, who has declined to send the funds as required. 

I wish to emphasize that the refusal to release the funds is in violation of government law and the terms under which the funds are rightfully designated to me. I have made repeated attempts to resolve this matter directly with the maker, to no avail. 

Therefore, I kindly request Fifth Third Bank 's assistance in facilitating the release of these funds by issuing a check to the designated person, which is me, in accordance with the fullest extent of government law. 

Please find below my contact information for reference : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, IN XXXX To ensure a prompt resolution, I kindly request that this check be sent via XXXX Express 2-Day Shipment directly from Fifth Third Bank. Your immediate attention to this matter is greatly appreciated, as it is essential for the proper and timely resolution of this issue. 

If any further documentation or information is required from my end, please do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution, and I trust that Fifth Third Bank will assist in ensuring that justice is served in this case. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-09-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (NC)

I had received a escrow review statement on XX/XX/XXXX because there was a surplus in my escrow account for XXXX. I had received a check from the company for this refund amount. I had previously gotten approved for a veteran tax exemption so i assumed that my escrow information had gotten updated because of this. The statement showed that on XX/XX/XXXX my new monthly mortgage payment is XXXX and in the breakdown of the charges that the XXXX XXXX ( taxes and insurance ) would now be XXXX. 

On XXXX XXXX i had received a new statement saying that my escrow balance is XXXX. I had called on two different times to try and get an explanation and from what i understand is that no matter if i paid this difference by XX/XX/XXXX when my next escrow analysis is conducted, that there would always be a negative balance. Why is the XXXX thats being took out for the taxes and insurance not being applied to the escrow? Also since its recorded that i have a XXXX XXXX tax exemption, why would i have to pay out extra every year for the escrow? Every other month there seems to be some issue with this company and i believe Im paying out extra money for nothing. How can i go from having a surplus in escrow account, to being in the negatives? I am unsatisfied with the inconsistent information from this company and the charges for escrow. Every since my mortgage was sold to this company there have always been financial mistakes on the company behalf.
Consumer complaint received 2023-09-17
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. (GA)

In Accordance with the Fair Credit Reporting Act, XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I am enrolled in an income driven repayment plan with Navient, which requires a yearly verification of income. Every year I timely file my paper work, yet Navient systematically ignores the receipt of the documents allowing the deadline to lapse which results in a capitalization of the interest. After the first occurrence of this in XX/XX/XXXXI would make repeated calls to the Navient after sending my proof of income to ensure that this would not occur. In general it would require 3 to 4 calls insisting that the paper work had been sent in a timely fashion and demanding that the acknowledge receipt of the documents and officially update their records to indicate that they had received it. This was an incredibly frustrating process and it was clear by their actions that Navient have been acting in a bad faith. It was not a one time occurrence, I faced this same scenario every year when attempting to renew my income driven repayment plan. Although this was a nightmare to deal with I thought my persistence had prevented any further unwarranted and erroneous capitalization of interest. However, due to my mistake I did not regularly check on my loan balances and aside from my yearly fight to remain in the income driven repayment plan I did not pay close attention. Recently I checked my loan balance and noticed it was much higher than I recalled and was able to determine they had capitalized interest in XX/XX/XXXX. I know that I had timely filed my paper work as I do every year. I think it is telling that my final payment of the prior year was processed, interest was capitalized and days later my payment was adjusted for my new income. Despite my timely filing of the paperwork Navient allowed the time period to elapse solely so they could capitalize the interest and processed the paper work for the recalculation days later. In my opinion this is an example of the systemic fraud undertaken by Navient.
Consumer complaint received 2018-04-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NATIONSTAR MORTGAGE LLC (FL)

The CFPB closed out complaint ID XXXX. We want to know where Nationstar Mortgage got the unendorsed copy of the note that XXXX XXXX XXXX a/k/a Mr. Cooper uploaded to the CFPB web site in regards to the complaint number stated above. Nationstar apparently has an unendorsed copy of the note, as well as a fraudulently endorsed copy of the note. So, how does XXXX XXXX XXXX have both? This is fraud.
Consumer complaint received 2023-09-17
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: SANTANDER HOLDINGS USA, INC. (TX)

I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXX XXXXhey stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
Consumer complaint received 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

XXXX of 2019, I had purchased a car for XXXX. I put down XXXX dollars. The credit company was Credit Acceptance, my bill was a total of {$18000.00}. How is that possible when i put down {$8000.00} dollars? The loan interest rates where incredible. I feel something is wrong. The difference was only approximately, XXXX.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In accordance with the Fair Credit Report act XXXX Account XXXX XXXX XXXX  # XXXX XX/XX/XXXX {$570.00}, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXXXXXX of VA  # XXXX XX/XX/XXXX {$12000.00}, XX/XX/XXXX {$12000.00} has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15U.S.C. 1681 section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2023-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY (CA)

Hello, I have called numerous times to ask Wells Fargo to take the late fees off. They refuse to even though they are the ones who bought our mortgage loan. They have been charging late fees for a while now. Not sure the dates but can look them up. Wells fargo have been charging us for more then a year. There is a grace period but when it comes to wells Fargo they are for the account fees for billions of dollars they make off of hardworking citizens. They should not be able to charge all these fees on our checking accounts and Mortgage accounts. Please help resolve this issue. I am actively looking for a lawyer to represent out family over this issue. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX