davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (AZ)

Since Monday  XXXX   XXXX ,  2017 ,  Barclays is not provided internet ( PC ) access to our online savings accounts. We have had 3 phone calls with Barclays customer service. Each time, the Barclays representative says that a trouble ticket has been entered and that someone would address the issue, and contact us. During the last call, we told Barclays that we would file a complaint with CFPB if they did  not address the issue. As of  XXXX   XXXX ,  2017 , we have received no contact ( phone or email ) from Barclays and we remain locked out of our accounts.
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (HI)

We received letter dated XXXX/XXXX/16 from Wells Fargo that was very general in nature stating a variance had occurred during closing of our loans. The letter did not say what the cause of the variance was or the amount of variance. Whatever this variance was, Wells Fargo unilaterally decided that the correct course of action was to deposit the amount against our loan principal balance without our input, buy-in, or permission. 

Upon follow up discovered that we were charged {$22.00} twice for a XXXX credit report that was either not done or needed. Please see Wells Fargo email dated XXXX/XXXX/16. Conventional wisdom would suggest that over charges should be refunded directly to the customer. At a minimum the customer should have been consulted and asked how repayment should be handled. It is our opinion that Wells Fargo processes in this instance are unfair, deceptive, if not illegal. 

Request : 1. CFPB investigate if the actions taken by Wells Fargo for the overcharge were appropriate and legal. If found in violation please cite Wells Fargo appropriately. The letter of XX/XX/XXXX could and should have been drafted to be more specific than it was. 

2. We are refunded the {$22.00} dollars immediately. While the XX/XX/XXXX email states we will have the refund, as of writing we have not received it. This coupled with XXXX XXXX XXXX teleconf earlier this week whereas he believed it is allowable for Wells Fargo to credit over charges to mortgage principal ( and that he has seen this before ) makes us believe that we may not get the refund. 

3. That we be provided at {$50.00} customer courtesy credit by Wells Fargo for all the problems and time involved to attempt to remedy what otherwise should have been a simple and seamless refund of monies over collected in error by Wells Fargo.
Consumer complaint received 2016-11-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NC)

I used to bank with navy federal and every time my loan became delinquent navy federal would freeze my bank account until I made a payment to them. I here that there is a law suite about these type of ordeals happening and am wondering how to attach myself to the law suite .
Consumer complaint received 2016-11-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (MT)

I requested a forbearance from Wells Fargo, but was instead sent to collections even though my request was sent in a timely manner. I even spoke to a representative about the situation and was assured I would be put in forbearance well before I reached the 90 day threshold for being sent to collections.
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (MN)

ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.
Consumer complaint received 2016-11-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PHH Mortgage Services Corporation (LA)

My house flooded during the recent flood in La. I have flood insurance, and a check was written to cover damages. However, it is made out to me and the mortgage company. All of the damage to my house is cosmetic, sheetrock, paint, and flooring. I have XXXX. Despite these facts, my mortgage company will not let me self repair, they say I must use a contractor. Contractors are backed up for months with work, and prices are double and triple what they would be under normal circumstances. I have asked the mortgage company to release part of the money so I can obtain materials and do these repairs myself. They refuse. I desperately need this money so I can repair my home, and need them to allow self repairs.
Consumer complaint received 2017-07-26
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. (CA)

This loan is on a forbearance plan for the months indicated for late Never been late, they put me on a FEMA plan forbearance. Then have been reporting me late for 7 months straight. I 've given the credit reporting the forbearance plan the lender has not cleared this for the 7th month in a row. Called again today XX/XX/XXXX could take another 60 days. They can expedite this is their error we have to pay for there error. I can not apply for credit with this on my report and I have business that needs to be done Please include all recordings as proof with select portfolio servicing
Consumer complaint received 2024-11-26
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. (NJ)

my bankruptcy is being reported and it shouldnt be due to courts dont provide nor they vetify to the credit bureaus at all, all three credit bureaus are saying the courts vetify all my bankruptcy which isnt true.
Consumer complaint received 2017-06-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

On X/XX/17 I called Navient customer support to request cancellation of my automatic payments for the coming payments for my XXXX private student loans due in XXXX. It was acknowledged and understood by both parties that my request would be processed and take effect before the next loan payment due date of X/XX/17. On XXXX I discovered that my request had not been processed when I logged into my bank profile to see payments in the amount of {$180.00} & {$140.00} had been drafted from my account. I called Navient that day, X/XX/17, and I was advised that my request for cancellation had been received but not processed, I was not given a reason for their failure to do so. I was advised that I could receive a refund for the funds, but only if I submitted a letter of request for refunds, including a copy of my bank records. I was also told that when a refund was issued, my account would instantly fall into past-due status and a late fee would be assessed at that time. The only way to avoid that fee was to enroll in forbearance and pay a {$100.00} fee that day to apply for forbearance. I agreed to do so, in order to avoid an unfair late fee. On XXXX I faxed that letter and a copy of the bank records to the fax number provided by the Navient representative to XXXX. On XXXX I called customer support to check the status of the documents and was advised that no documents had been received. On that same day, I submitted the exact same document as the one faxed previously ( letter of request for refund and copy of bank records ) via the online upload tool Navient offers. On XXXX I called customer support to check the status of the documents and was advised that the document uploaded did not contain my banking records and therefore, my request for refund was not processed. After that conversation on X/XX/17, I uploaded another set of documents via the online tool Navient. This time with separate attachments, one showing the letter of request and the other showing bank statement.
Consumer complaint received 2016-11-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I disputed a charge on my credit report through all three credit agencies. I just received notice from Transunion that the XXXX charge for {$18000.00} has been verified, no change. I did not make any charges to this company and have no idea what this charge is for nor who they are. I demand to see original documentation of said charges if they say they have some. I did not make those charges and realize this company most likely bought out some debt ; it was not mine. I want to see proof of original documentation of the debt. I call not only the company XXXX in question, but also Transunion for not properly having the documentation verified correctly. Obviously, since I did not originate this debt ; I have no paperwork to prove that. I did not originate this debt and it is not mine. I demand original documentation be provided and this charge will be removed from my credit report immediately. Thank you!!
Consumer complaint received 2017-06-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Good Afternoon, I 've done a lot of reading about a car loan I co-signed for. I 've and the owner of the car in question to get out of this loan by doing a co-signer released. Capital One bank has refused to work with me at all. The primary who owns the car has moved away to another state and is no longer reachable and another party wants to take over for me on the loan since I have nothing to do with the car anymore. Capital one Bank will not even work at all, Not even offering a refi to have this loan setup for the real owners of the car. I feel like they want to do everything possible to destroy my credit which is already down 200 points. I hope you can help me with this issue.
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (IL)

I made a purchase on XXXX at XXXX in XXXX XXXX XXXX XXXXXXXX Illinois for new Counter Tops as well as other home improvement items. The purchase amount was for {$3900.00}. Synchrony ( Through Lowes ) was offering promotional APR of 5.99 % for 84 months with a fixed payment which would ensure the purchase would be paid off within 84 months. In reviewing my statement this month I identified that due to an error by either the Lowes store or Synchrony Bank this promotional APR was not applied to my account and Synchrony has been charging my account interest on the purchase at an APR of 24.99 %. To date they have over billed me in excess of {$1000.00} in interest charges. I contacted Synchrony to ask that they remedy the situation by crediting my account for the over charged interest and move the remaining balance to the correct interest rate for the remaining life of the promotion. The agent I spoke with acknowledged that there was likely an error by Lowes when ringing up the purchase and also acknowledged that I had taken advantage of this promotion previously on another purchase which seemed to corroborate my explanation that I should have received the 5.99 % promotion. After speaking with an agent and her supervisor they both refused to honor the promotion. They informed me that I needed to reach out to Lowes and get a copy of the original receipt and have the store re-ring the purchase so they could make the adjustments. I expressed my dissatisfaction with this because it should not be my responsibility to fix a mistake caused by Synchrony or Lowes ( Their 3rd Party Provider ) and  require me to drive 30 minutes from home to a store to do so. But regardless, I reached out to Lowes.  They have not sent me the requested receipt and the phone agent from Lowes indicated that even with it the store would not be able to do what the Synchrony Reps suggested. At this point I am still looking for Synchrony to honor the terms offered to me which I accepted.
Consumer complaint received 2017-06-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Bliksum, LLC (CA)

I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.
Consumer complaint received 2024-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

am filing this complaint against XXXX XXXX XXXX  regarding an inaccurate XXXX late payment reported for XX/XX/year> on my account ( [ Account Number : XXXX ] ). 

Details of the Dispute : Late Payment : The late payment entry is inconsistent with my records. 
I previously requested validation, including billing statements and payment history, but XXXX XXXX XXXX  has failed to provide adequate documentation. 
Violation of Consumer Laws : Under 15 U.S.C. 1681e ( b ), XXXX XXXX XXXX must ensure the accuracy of the information furnished to credit bureaus.

Under 15 U.S.C. 1666, they are required to validate and correct any errors related to billing.
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was XXXX, XXXX and 90 days late for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital One they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request, as I had XXXX other Capital One cards with higher balances. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.
Consumer complaint received 2017-01-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (AL)

I would like to file a complaint in regards to GAP insurance that was purchased through XXXX XXXX, XXXX, Alabama XXXX ( XXXX ) XXXX for a XX/XX/XXXX XXXX. The car was in a collision on XX/XX/XXXX. The XXXX XXXX has since totaled the car and paid XXXX XXXX XXXX. The XXXX XXXX is XXXX. 
The GAP Insurance Information a fax was sent to XXXX at the Attention of a XXXX XXXX XXXX. Confirming the purchase of this GAP insurance XX/XX/XXXX I thought this issue had been resolved until XX/XX/XXXX. I had not received a notice verbal or written from this company until a XXXX XXXX XXXX of Sum Collections ( XXXX XXXX XXXX called to collect XXXX from me. This is ridiculous when I have acquired the XXXX XXXX as well as sent XXXX XXXX XXXX ext. XXXX the information before the ( XXXX ) day deadline mentioned on the letter that I have. When if I obtained the insurance why do you give only ( XXXX ) days when other individuals are responsible for the accident in the first place. I do not have any control over any insurance company or its employees. It seems as if XXXX and XXXX and XXXX XXXX prey on individuals who they deem unable to fight them back. 
Apparently this is not an aberration. XX/XX/XXXX, there was a complaint filed Complaint XXXX where another person had GAP coverage and again they refuse to honor their commitment, lie, cheat, and steal their way out honoring the contract. I am frustrated in that knowing there are such scavengers willing to prey on the people who are in need decent transportation with less than perfect credit. Take people 's hard earned money, sell them a vehicle, sell an insurance that you know you are not going to honor, and extort monies from them and if they do n't pay you sick the hounds on them. Perhaps a thorough investigation is needed as to XXXX fraudulent and deceptive practice to unsuspecting consumers.
Consumer complaint received 2024-10-12
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. (AZ)

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-06-23
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. (ID)

I spoke with a Supervisor by the name of XXXX at TransUnion on XX/XX/XXXX at XXXX XXXX. I was informed by him that I could not dispute inquires by phone or online and was not able to dispute any inquires over 30 days old. <P/>I am a victim of fraud and have sent TransUnion my police report backing up my claim twice within 2 months and last year XXXX when I discovered fraudulent activity that continues. I requested a link where I could verify TransUnion inquiry dispute policy but was told I could not have that information by XXXX  XXXX at TransUnion. <P/>I have had a fraud alert placed on my file since XX/XX/XXXX and I am still not being contacted prior to information being ran.
Consumer complaint received 2016-09-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc. (GA)

On Friday, XXXX XXXX, 2016 at XXXX, Professional Debt Mediation Representative XXXX XXXX conducted intolerable threatening and obscene/offensive veibiage as well as harassing behaviors. I, as a consumer, who reached out to the original client and now collection agency to resolve this issue feel I should have not been " yelled at, threaten, and should not have to tolerate verbal abuse '' over any account and/or situation. Based on his behavior and statements, he has already made it clear he will NOT honor any agreements. Also, per correspondence received on XXXX/XXXX/2016, the PDM representative is stated false and inaccurate information which is very concerning. I believe this is a purposeful misrepresentation of details associated with the listed account.
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OR)

I have a loan with FedLoan Servicing. I requested an Income Contingent Repayment plan back in 2015. They have not been able to process it and continue to send me warning letters that I am not paying back my loan. I have emailed them multiple times and called them twice and both times they have promised to resolve the issue. They said they had a backlog of requests. Without my permissiion they put my loan in forebearance, but now they are sending me emails that my payments are overdue. They never processed my request for an ICR plan. It 's like they do n't even hear me when I call or write to them. This is going to affect my credit. Please help!
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX  XXXX Account number : XXXX Balance : {$3200.00} XXXX  XXXX Account number : XXXX Balance : {$780.00} XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$1100.00} XXXX XXXX XXXX Account number XXXX XXXX Balance : {$1300.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account number : XXXX Balance : {$440.00}