davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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. (FL)

On XX/XX/2018 i received a notice from XXXX XXXX that a hard inquiry had been made on my credit history. The inquiry was listed as XXXX/XXXX date XX/XX/18.. Supposedly from XXXX XXXX using Transunion credit service. XXXX said to contact XXXX, they said to contact Transunion. Transunion gave me a phone number that didn't do anything. XXXX said not there problem, call Transunion, etc., etc.. they say i need a letter of removal but no one wants to give it to me as it is " not there fault ''. Please help.
Consumer complaint received 2024-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

I attempted to make my XXXX mortgage payment on XX/XX/XXXX only to discover my mortgage payment was increased without any notification. I contacted XXXX XXXX XXXX XXXX and was informed that I failed to pay my taxes for XXXX. I explained I had a receipt for the XXXX taxes that I paid in XX/XX/XXXX. I was told on teo different phone calls on XX/XX/XXXX and XX/XX/XXXX that the correction would be made. As of today they are still escrowing for taxes. I have a not escrow account as I approval from previous lender to pay my taxes and insurance. I feel Rushmore has violated my rights as a consumer as they did not contact me by phone, e-mail or mail advising or asking about the taxes. I believe i was to be given notice of the payment change at least 15 days or more before the effective change as if this date that still has not happened. I have made the payment at the higher amount because I can't afford to ruin my credit just because Rushmore will not fix the payment to principal and interest only. Rushmore has been very uncooperative and has given me the run around.
Consumer complaint received 2018-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My loan was recently transferred from XXXX XXXX XXXX to Shellpoint Mortgage Servicing. The transfer was effective XX/XX/18. I am current on all payments except the payment that is due XX/XX/18, which I have not made yet due to confusion in the transfer process. 

For some reason, my payment history with the previous lender was not transferred to Shellpoint Mortgage. They are showing my account as XXXX   months past due. When I call Shellpoint customer service, they are unwilling to resolve the issue ( all they need to do is get in touch with my previous lender ). Instead, they continue to refer me to a debt collector. 

The service from this Mortgage Servicer has been awful from the beginning. To this date, I have not received any contact from the company besides the notice informing me of the coming transfer. I had to call them repeatedly for a week just to obtain my loan number so that I could create an account online and set up bill payment. 

I have no idea where the transfer went wrong. It is possible the error is with XXXX XXXX XXXX  or with Shellpoint. My previous lender, XXXX, provided me the following contact information associated with the transfer : XXXX XXXX ( XXXX ; XXXX ). I have sent XXXX an email detailing my situation and the attached payment history screenshot. I am waiting for his response.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

on XX/XX/XXXX i wrote an email to Capital One, asking for late payment forgiveness during a very bad stage in my life. i had a secured credit card but in XXXX, XXXX i suffered through XXXX  XXXX, i XXXX XXXX XXXX  due to XXXX XXXX, and i became XXXX because of XXXX   XXXX, to the point where my children and i XXXX XXXX XXXX, XXXX, XXXX XXXX even XXXX XXXX XXXX. i spoke w a XXXX  he said they didnt need any info to verify, they believed my situation but for me he was a little insensitive he asked me for more information about my XXXX, i got a little shaken up because i honestly didnt want to go down that road but i answered hoping they would remove the lates fee and if not all at least the ones from XXXX. Even going over such information i was still denied, he said he looked through the policy and it wasnt something they could do. My account is now current but closed. however, i was approved for a unsecured credit card by them with a {$300.00} limit, a few days after i was denied. i am working on my credit, i am now stable and would like for the late payments to be removed, if i have been approved for a new card, why could they not take the late fees off the old. i need help with this company.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is acting in an extremely negligent and predatory way with regards to over-drafting on an already NEGATIVE balance. My mother - the account holder -, who is XXXX XXXX and on SSI, has made multiple cash withdrawals on a negative checking balance and Wells Fargo is making no effort to stop the withdrawals. Instead, they are approving multiple cash withdrawals on a negative balance while charging overdraft fees. On their website, Wells Fargo states that they do not approve ATM overdraft transactions, yet they are letting it happen over and over. They claim that she has a " Debit Card Overdraft Service '' on her account and that they have no choice but to allow the transactions since she has opted in ( even after she stated to a representative that she has no recollection of signing up for the " service '' in the first place ). This behavior is negligent, irresponsible, and predatory and they have refused to take responsibility or use any discretion to decline multiple ATM withdrawals on a negative balance. Additionally, they are even aware that my mother - the account holder - plans to make additional withdrawals on a negative balance ( she told a representative this on the phone ) and they will do nothing to prevent this in favor or collecting further overdraft fees. I have spoken to multiple people on the phone from Wells Fargo and they refuse to act other than to say that the account holder has to specifically ask for the Debit Card Overdraft Service to be removed but they will make no effort to prevent further withdrawals on an already overdrafted account.

Wells Fargo states, regarding the Debit Card Overdraft Service, " You can choose whether your ATM and everyday ( one time ) debit card transactions may be approved, at the Bank 's discretion, if you dont have enough money in your  checking account or in accounts linked for Overdraft Protection at the time of the transaction '' and " The payment of transactions into overdraft is discretionary, and we reserve the right not to pay. '' They are choosing to use NO DISCRETION and instead allow multiple cash withdrawals to be made on a negative cash balance while STILL CHARGING overdraft fees.
Consumer complaint received 2018-09-11
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. (IL)

Well for the last few months I have been sending XXXX XXXX, XXXX, and Experian 609 credit dispute letters for the following accounts. XXXX XXXX XXXX account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
Consumer complaint received 2018-09-11
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: Experian Information Solutions Inc. (SC)

Experian what is your METHOD of verifying MIXED data when investigating inaccurate information on credit files and what METHOD did you use to verify and insure the information that you are reporting on my credit file is NOT mixed data. I have requested this information through certified letters. Please provide your Method of verification.
Consumer complaint received 2018-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Ive had my card for 11months never made a late payment until XX/XX/2018. I submitted the payment online before my due date as usual but for some reason it didnt come out of my checking account the same time as usual, and the payment was sent back causing my account to be 30 days late. The company has already returned the late payment fee to me but have not removed the late payment from my account history to reflect never late.
Consumer complaint received 2018-09-11
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: Fidelity National Information Services, Inc. (FNIS) (NM)

I tried to open a checking account and was told chexsystems was reporting on me. So I followed threw and ordered a report. Which had incorrect information. So I sent in a dispute and no information was investigated with supporting documents.The company that chexsyems has not investigated correctly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Date Reported : XX/XX/2017 Reported for : Suspected fraud activityand any amount owed was paid.There was never any fraud to my account before they closed my account.
Consumer complaint received 2018-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (CA)

In 2012, I obtained a loan from US Bank to purchase a new boat. I have made regular payments over the life of the loan, and several years ago I started making principal only payments. I received monthly statements which indicated the principal balance outstanding, which I was steadily working down to the point this summer where the loan should have been paid off. My monthly statements for the past couple of years have always reflected " interest due '' of XXXX. When I got to within a couple of thousand dollars of having the principal paid in full, the bank claimed for the first time that there were thousands of dollars owed in interest. My monthly statements never reflected this. I requested a loan reconciliation/history of payments, which also shed no light on the interest now supposedly due. The explanation I received on the phone was incomprehensible, and I was assured there were no errors. Every time I call, there is a material difference in the sum they now claim to be the payoff amount. The bank has failed to disclose material information, and I have no confidence whatsoever in the accuracy or honesty of the amount they now claim is due.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NY)

In XXXX I applied for and received a XXXX XXXXXXXX XXXX  Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX   based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I uploaded the file to Experian asking them to remove the fraud alert as well as add my contact number for home and cellular number numerous times over 10 days. I uploaded their form myself and provided the documents and had other people do it for me as well to no progress whatsoever. I have spent well over 10 days trying to talk to a person which is impossible and and their instructions lack results. They said 15 minutes it would be reflected. XXXX! My home number is XXXX XXXX XXXX and cell number XXXX XXXX XXXX.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted XXXX XXXX on or about XX/XX/XXXX via telephone call to discuss an apparent judgment they had obtained against me. They advised me my alleged balance was {$8100.00}, which was concerning to me since my original balance on my credit card debt was less than {$5000.00}. I of course questioned the balance, but the collector was quick to shut me down and confirm the balance is now {$8100.00}. I tried to work out a settlement agreement but was met with an uncooperative and unreasonable and frankly, rude collector. 

I did some research and decided to write a letter in hopes that a more reasonable individual would review my request. I feel that my request is not unreasonable, which I was offering {$5000.00} payable in one lump sum. I sent a written correspondence on XX/XX/XXXX explaining my financial hardship, why I went into default on this credit card back in XXXX, and an offer of {$5000.00}. Expecting a written response within 30 days, I did not receive one. 

Therefore on XX/XX/XXXX I resent another written request. This time, on XX/XX/XXXX I placed a phone call to confirm that they had received my written correspondence. The collector was rude, and was being very condescending asking why I even bothered sending a letter, making it clear that in no way they would offer better terms. I simply wanted to know if they would be responding in writing to my written inquiry. He was unwilling to answer my question, and proceeded to attempt to negotiate the debt with me right then and there on the spot. I was really surprised when this time he stated I owed {$7200.00}, and not the {$8100.00} they claimed I owed just a little over 30 days before. I asked what changed, and how could my balance drop by {$1000.00}? Again he was not able to explain why, and continued to dodge my question with is collection efforts. 


At this point I was very concerned with this debt. I feel like they are unsure how to calculate my actual balance due and frankly I'm unsure whether I'm even dealing with the right entity. I'm hoping I can get help from the CFPB and that XXXX XXXX XXXX treat me with respect and dignity, I am simply trying to resolve an old debt.
Consumer complaint received 2018-09-10
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: Checkr, Inc (TX)

XX/XX/XXXX, inaccurate information on my background report run for a potential employer shows that I was I was XXXX in XXXX of a XXXX of {$2500.00} or less with 2 or more previous XXXX, which is inaccurate. In XX/XX/XXXX I was XXXX of XXXX XXXX XXXX XXXX XXXX and my the XXXX XXXX was dismissed according to the XXXX XXXX XXXX I received from my attorney.
Consumer complaint received 2018-09-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below, and different information among the 3 major credit bureaus. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On Sunday, XX/XX/XXXX, Transunion XXXX XXXX XXXX, at the behest of XXXX XXXX XXXX, and in turn screening on behalf XXXX XXXX XXXX, fraudulently claimed to have run a background, credit, and civil judgment check on myself ( XXXX XXXX XXXX ) and my roommate ( XXXX XXXX XXXX ). This background check could not possibly have actually been made, because the result they obtained, and published to me, included a civil judgment against mefor {$5000.00} by XXXX XXXX XXXX XXXX which no longer exists. Any search of XXXX XXXX Illinois court records would subsequent to XX/XX/XXXX would have fail to show this case. In an XXXX action, XXXX XXXX XXXX XXXX ordered that XXXX judgment vacated and the record sealed, which was reflected in the record shortly thereafter. My examinations of the records as of XX/XX/XXXX confirmed this, as did XXXX, a clerk in the Circuit Court records office in an in-person visit that day. The Cook County Clerk can confirm this to you, as well. Logically, therefore, the only way that Transunion, and thus XXXX, and in turn XXXX, could have displayed such a judgment is to have re-copied a report run some time previously. The credit check charge was {$130.00}, plus a {$400.00} administrative fee which I was told would be refunded " immediately '', but now am told may take up to a month. This fraudulently-represented non-report has been costing me more than {$240.00} per day in time lost from work combined with continuing temporary housing expense. They have defamed my character. Several properties would like to rent to me now, based on no criminal history and adequate credit scores, but can not until such time as this situation is rectified. Both XXXX and Transunion and XXXX have the documents from me proving that this {$5000.00} settlement no longer exists, but do not as yet have an end date to remedy this. But meanwhile, I am technically homeless, my XXXX XXXX job made difficult, and XXXX 's fragile health is threatened.
Consumer complaint received 2018-09-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC. (GA)

Called today with the name of XXXX XXXX at XXXX at XXXX XXXX I answered they hung up I called them back and the XXXX lady started trying to get me to give my personnel info to her before i could find out who she was and who she reprrnted. She finally said halstd financial in XXXX Il. then I asked in what is in reference too and she stated it was a bout a XXXX credit card and wanted me to pay in full today. I told her to send me somethng in writin gto valid the debt and she hung up on me
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK (FL)

I have graduated XX/XX/2017, I have been making my loan payments on time every month and have tried several times to lower my interest rate on my colleg loan or consolidate/refinance the loans so my payment will actually help lower my loans. I have been turned down every time due to the fact that my debt to income ratio is too low. How am I supposed to get these loans lowered when my monthly payment that I can afford is only going to the interest? My private student loan have now reached over {$120000.00} and I am only making {$15.00} an hour until I can get more experience in my field. My interest rates on my Discover private loans range from 5.615 % to 9 %. and XXXX XXXX is 6-9 %
Consumer complaint received 2018-09-10
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: EQUIFAX, INC. (IN)

Identify theft report including a police report was sent to this company. This company refuses to correct the record causing i great financial harm. This company has continued to engage in Fraudulent reporting for almost a year. I have send numerous letters to this company yet they refuse to correct the record nor supply ANY shred of evidence of how they determined any of the accounts are valid.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have accounts that I do not recognize on my credit rort from XXXXXXXX XXXX I can't find any records of ever doing any business for credit with this copy. Please send me any type of proof of claim for this account the is an obvisously in error.