davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.
Consumer complaint received 2019-11-26
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. (IN)

I recently made a payment on my loan consolidated through Navient. I have a message on my cell phone about an alert for my account, so I checked my account. It shows my payment, but then it shows a payment reversal so that this amount was apparently returned. I don't know why that happened. It has never happened before. 
The very frustrating thing is that there is no way to contact Navient about this through a message, and no information about why this happened. I have looked all over for contact information, and there is a phone number or written correspondence. This is not good enough. To expect me to take time out of my busy work day to stay on the line for a long time, when I had made a good faith effort to make a loan payment - it is not feasible. 
Navient needs to make reasonable means to contact them about student loan issues. Making it difficult to contact them enables them to get away with unfair practices that disadvantage borrowers.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affiliates Management Company (FL)

Penalized for paying off XX/XX/XXXX activity on XX/XX/XXXX! 

I have a XXXX card from XXXX XXXX which uses XXXX XXXX for credit card processing. When my monthly checking acct statement arrived on XX/XX/XXXX, I paid my XXXX bill in full. I was hit with a {$25.00} Late Fee and {$8.00} interest for paying TOO EARLY for XXXX. And, the card was frozen. This is 3rd time this has happened. Launch can not or will not get XXXX to desist and refund.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/XXXX Account number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX. Account Number XXXX. Date Opened XX/XX/XXXX XXXX XXXX. Account XXXX XXXX. Date Opened XX/XX/XXXXXX/XX/XXXX Account XXXX XXXX. Date Opened XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2018-01-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

I have owned my home for 15 years and now face foreclosure auction on XXXX XXXX because my mortgage company Nationstar has not given me an opportunity to cure my missed payments. I missed payments because I was involved in a bad car accident that kept me in the hospital for months and out of work for a year and a half. Now that I have steady income coming in from XXXX and VA benefits I am in a place where I can make a fair payment but Nationstar has not been willing to consider me for a modification or restructured loan that would help me fix this problem. The company changed their name to Mr. Cooper and claims that they are a community based lender that wants to help. I am here to tell you that is not true. I am being overwhelmed with junk fees and legal fees and their agents have not been willing to help me get considered for a permanent option to save my home. This is very stressful and disconcerting. 

I refinanced my loan in XXXX XXXX right before the market crash with XXXX XXXX XXXX XXXX I later found out that the owner was indicted for mortgage fraud and this company went belly up so the loan was transferred to XXXX and then eventually went to Nationstar. At the time I was a XXXX XXXX at a XXXX XXXX ( had been in this line of work for 25 years ) and there were no financial issues. Then I was involved in a bad car accident in XXXX and ended up in the XXXX. I was XXXX for three months and then had 6 months of XXXX while dealing with the XXXX XXXX on my XXXX. I was essentially out of commission for 18 months and due to missing so much time my company let me go from my $ XXXX a year job. That was a tough time for me and I ended up defaulting on my mortgage. I am currently on XXXX XXXX and monitored by the VA doctors. I was eventually able to get approved for my XXXX XXXX and also my VA benefits and attempted to get back into good standing with my mortgage. 

However, Nationstars agents demanded that all past due payments be reinstated in order to save my home from foreclosure. I can make a fair payment but am not able to reinstate the loan. I feel that the loss mitigation department at Nationstar/Mr. Cooper has denied me access to government and internal programs that should be made available to me. I wanted some type of modification or restructured loan so that I can fix this problem, but their agents have claimed that there are no permanent options. I have been sending in payments in order to show good faith and Mr. Cooper has been accepting them, but at the same time they have set a foreclosure sale date of XX/XX/XXXX I believe this is known as dual tracking. I want and deserve a permanent option. I want and deserve an affordable plan and payment on my mortgage so that I can get out of foreclosure and have the comfort of knowing my house is not going to be taken from me.
Consumer complaint received 2019-11-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: DriveTime (FL)

The company failed to respond to the concerns surrounding the violation of UDAAP. I explained on the call and the letter i was not in the right frame of mind at the time of the loan and their agents knew it. I was distraught by being behind on a vehicle at time of this purchase. Their agent took advantage of me and put it a worse situation. This company told me at the time of the loan they did not take into consideration the vehicle i had outstanding when it came time for the DTI calculation. I was told they only look at the new loan amount and the gross income. Logically speaking it doesnt make sense to take on a second vehicle with a higher payment than the one i was behind on. This is a predatory lender that has had class action suits against them and i bet there are several people that have the same scenario as me. The prey on people with challenged credit. The want people to default on loans by putting them in unfavorable situations. What I asked for is not unreasonable. So once again. Please purchase the account back and close the loan without selling it again.

They did not even look at the account until after they spoke with me. This company needs to take the consumers concerns seriously instead of just providing a blanket statement like this one. I was coached into the responses they are referring to by the agents.
Consumer complaint received 2023-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (KS)

Ive had an account with Self.inc ( formerly Self Lender ) for over XXXX years. Ive gone through XXXX Credit Builder loans and had a secured credit card with them with a {$1700.00} security deposit from the XXXX loans. One month ago I paid off my credit builder loan early as Id come into some extra funds. Payout was supposedly XX/XX/XXXX. Three weeks ago I received an email that they needed information to verify my identity ( pics of license and social namely ) so I sent them in. One week ago they sent me an email saying they couldnt verify, so my credit card account is now also closed. After paying the balances off, Im owed over {$1200.00} that should have been paid back to me per their terms.
Consumer complaint received 2017-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dyck-O'Neal, Inc. (TX)

I am not satisfied with XXXX XXXX 's response to my earlier complaint. 

I do not owe XXXX XXXX. 

I feel terribly cheated to be asked to pay what I do not owe. 

Judge passed judgment without seeing sale and foreclosure papers. Not fair. 

Purchase price was exactly foreclosure price leaving balance as zero. 

See papers attached. 

Remove the writ of my properties.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Both Transunion and the collection agency XXXX  are in violation of the FCRA and FDCPA. The company has not responded to my letter yet alone send the forward flow agreement for the account. Transunion replied to complaint XXXX stating the account was updated when I requested a deletion due to FCRA and FDCPA violations. I need to see where you're getting this information from because I don't believe that you ever reached out to the creditor. Remove this account immediately : XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX. See attached the letter that was sent to the collection agency which is dated and time stamped. If you can not provide validation of this account since the company has failed to do so remove this account or I will seek legal action.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

About two months ago I received an email that my credit score had changed. I do n't check my credit frequently, since I rarely use credit cards, but I had a check run back in XXXX for approval on an apartment, and it was fine then. So I logged into XXXX XXXX and saw my score had dropped about 100 points, because of a high number of credit cards. There were three cards listed I did not recognize at all, for credit cards that had run up late payments, were terminated by creditor, or were cancelled by user. I believe these cards were opened illegally under my name, without my knowledge or consent. One of the banks was in Delaware - I have never even been to Delaware! I figured this was an identity theft issue, so I contacted XXXX XXXX and received nothing except they could n't do anything about it, as they are not a credit company, just a provider of credit scores. I then tried to contact XXXX and Transunion directly, but they told me my answers to the security questions to access my account were all incorrect. And would n't tell me why, or how. They asked me thing about my past loans - I 've never taken out a loan! Do n't know how my answers could have been wrong. So THEN I looked at the names of the " banks '' who issued these cards, namely, the one in Delaware. I called them directly, and they could not give me any information as to how or why a card could have been issued under my name. They said I had to fax - not email, call or anything else - a claim to a specific number of a specific department, not to their " bank '' itself. Since then I checked to see if the claim I filed with XXXX XXXX  did anything - no. I have received no updates, no results on my claim that I filed, and my credit score is still low for reasons I can not explain.
Consumer complaint received 2019-11-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SYNCHRONY FINANCIAL (MA)

I got an email from Synchrony Bank that a trial a account was successfully set up.

I called the bank and they admitted. I informed them that I did not open any account with them.

After 12 hours, they sent me an email that they was a problem with their system and that I should disregard the opened account. They confirmed my information was not breached. Ive the emails to confirm this.

But because banks lie all the time, I want to make sure my information was not compromised.

Thanks.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Transunion has instructed me to contact each company making fraudulent inquiry individually. Attaching relevant police report.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/18 fraudulent hard inquiry to my Transunion report by XXXX. Attaching relevant police report. Transunion instructed me to contact each company making fraudulent inquiry individually.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

XX/XX/XXXX, XXXX - deposit $ XXXXUSD from personal bank into coinbase XX/XX/XXXX - receive email ( my email is XXXX ) that money will be deposited into coinbase account within 2-4 days XX/XX/XXXX - $ XXXXUSD withdrawn from personal bank XX/XX/XXXX - still no trace of money - transaction status states " pending ''
Consumer complaint received 2018-01-09
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: AES/PHEAA (FL)

Following the receipt of my credit report late last year from the XXXX, XXXX and XXXX consumer reporting agencies, I learned of an two separate adverse accounts from XXXX XXXX XXXX and the U.S. Department of Education. Said accounts reported to all three credit reporting agencies under account numbers XXXX and XXXX - exact same account, reporting as two separate creditors.I never had two separate student loans.  Disputes with the credit reporting agencies were for naught as both XXXX XXXX XXXX and the U.S. Department of Education merely confirmed the accounts.  I complained to the creditors about the duplicate reporting - in writing - and even completed disputes with the credit reporting agencies.  They were also ignored with no explanation whatsoever.   Once again - I never maintained two separate student loan accounts.  This companies ignored my concerns despite evidence to the contrary and complaints to the XXXX, XXXX and XXXX consumer credit reporting agencies.  My FICO credit scores have been severely impacted as these separate accounts report as collection entries.   I now file my complaint to the CFPB seeking relief.
Consumer complaint received 2023-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc. (IL)

Cash app, my purchase was paid for XX/XX/2023 and cash app took {$100.00} from my account today XX/XX/2023 saying it was a glitch in XXXX. I was never informed, my merchant states I paid, cash app transactions showed it paid, now they are saying 60+ days later it is correct now! I think they have stole my funds
Consumer complaint received 2017-11-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES (DC)

On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.
Consumer complaint received 2018-01-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MS)

I was in bankruptcy for 5 or 6 years trying to get a modification. Our lawyer tried several times to get a modification. Wells Fargo sold our loan to XXXX which evolved to XXXX . 
XXXX, who is a collection agency, for 50 years or more. This agreement was supposed to be my modification. I do not think it is right to be treated this way. I would prefer to be with Wells Fargo than a collection agency. While in bankruptcy Well Fargo made a lot of money off of me through the court. They charge me money to pay someone to drive by my home and take pictures.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/18 XXXX XXXX made an unauthorized fraudulent hard inquiry to my Transunion report. Attaching my victim statement/police report for identity theft. Transunion instructed me to contact each company making fraudulent inquiry, individually.
Consumer complaint received 2019-11-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/18 Cap One made an unauthorized fraudulent hard inquiry to my XXXX  report. Attaching my victim statement/police report for identity theft. XXXX  instructed me to contact each company making fraudulent inquiry, individually.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX hard inquiries on my Transunion credit report that I did not authorize. First from XXXX on XX/XX/XXXX. The second from XXXX on XX/XX/XXXX. Third from XXXX on XX/XX/XXXX. The fourth is also from XXXX on the date of XX/XX/XXXX. I did not authorize these inquiries and do not know what they would be for. I have sent letters to these companies to get them removed but have gotten no response.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/18 XXXX XXXX made a fraudulent hard inquiry to my Transunion report. Transunion has instructed me to contact each company posting a fraudulent inquiry, individually. Attaching relevant police report I filed for identity theft.
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/18 XXXX made a fraudulent hard inquiry to my Transunion report. I have been unable to reach them by phone. I am an identity theft victim and attaching relevant police report. Transunion has instructed me to contact each individual company.