davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc. (AR)

I contacted Prosper on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ask them to change the primary bank account on file for my automatic payments. However, they did not. As a result, some payments were flagged as late because I was unaware they did not update my information as requested. This happened again in XX/XX/XXXX where they were still attempting to draw from an old bank account, fortunately, I noticed it before it became past due this time and contacted them once again. I also requested they provide a full accounting, refund of late fees, NSF fees, and interest that resulted from these fees. This is the response I recieved. 

Prosper Client Services ( Prosper Marketplace Support ) XX/XX/XXXX, XXXX PDT Hello XXXX, Thank you for your patience. 

Upon review, we found that you had sent us emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to ask us to change the primary bank account on file. We had replied to you on those emails and informed you that we are unable to update banking information through email correspondence. 

However, we found that you had spoken to an agent on XX/XX/XXXX to change your primary bank account from the one ending in XXXX to the one ending in XXXX to avoid payment failures from your autopay. Our agent did not complete the process properly which caused failed autopayments to happen on XX/XX/XXXX and XX/XX/XXXX ; we will waive/credit those XXXX NSF fees due to our error and we apologize for any inconvenience caused. We will also credit XXXX additional late fees as a onetime courtesy to further accommodate you. Please note, we only provide a one-time fee waiver per loan, all other future " no sufficient funds '' fees and/or late fees will be your responsibility unless Prosper error. 

We are also following up on your recent call with us in which you had questions about your regular payment amount and late reporting for loan # XXXX. According to our records, a payment reduction program was accepted on XX/XX/XXXX that reduced your payment for 12 months to {$93.00} with a post-reduction payment amount of {$450.00} once the program has ended. Unfortunately, we are unable to remove the late reporting that occurred for your loan as your late payment on XX/XX/XXXX was made before our error had occurred. 

If you have any additional questions or concerns, feel free to reply to this email or call us at XXXX. Have a great day. 
If you need anything else, reply to this email or give us a call at ( XXXX ) XXXX for any other questions or concerns. 

Thank you, The Prosper Team
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2015-04-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (TX)

My mother elected to apply for an equity loan on her house, which had been paid for ( with the exception of a XXXX loan on the property ). After some family turmoil, the present debt collector named NationStar has been threatening foreclosure for awhile, but thankfully, this outcome has been forestalled. It is important to note that the original equity loan was doled out by XXXX. At this point, I have had some serious concerns with NationStar. They are a debt collector, yet claim that they are simply working with XXXX XXXX or XXXX. The customer service has been horrid as I have been informed by the SPOC ( single point of contact ) XXXX XXXX to stop calling him. Indeed, he has n't bothered to help in any way. Finally, I 'm worried and angry that after 20+ years, my mother will be foreclosed upon.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

Citicard has failed to honor their citi price rewind claim and denied my 2 claims on a wrong reason. The claims were for a lower price on XXXX for the same item and sold as 'Buy it Now ' price which is NOT an auction price. However they refused to honor the lower price citing the lower price is on an auction site. When asked why they dont honor auction sites, they gave reason as the price of the item is a bid price which doesn't guarantee a purchase at that bid price, which I agree 100 % and yes bid price should not be price matched. However XXXX is not an auction site as they also sell items which customers can buy without bidding. This lower price was for the same item, brand new and NOT bid price. Thus this item any one can buy without bidding. On explaining this to Citi price rewind customer service personnel, they agree to this but will not approve. I escalated to their Supervisor - XXXX who would also agree but will not approve giving a silly reason that even though the item is not on bid or not being auctioned, it may go on bid if its not being sold for longer period of time. I dont understand what kind of reason is this. The item can be either on auction or sold at a fixed price. My lower price corresponds to the fixed price and NOT an auction price. I filed XXXX complain and XXXX XXXX an Executive Office from their Presidents Office called me and insisted that XXXX is an auction site and Citi wont honor the price-rewind claim. When I asked her to check with XXXX that they are NOT auction site, but is also eCommerce site like many others, she refused and said, no XXXX is an auction site. I am apalled at her knowledge and refusal to look into it and correct it. 
In-spite of telling her that XXXX XXXX is an XXXX XXXX XXXX XXXX based in XXXX XXXX, California that facilitates consumer-to-consumer and business-to-consumer sales through its website she refused. This is malpractice by Citi by not honoring their own terms by branding XXXX purposefully as auction site to refuse payment of the price difference as per their benefit. 
This is to highlight to consumer to be aware of malpractice by Citi.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UMB FINANCIAL CORPORATION (KY)

We have an XXXX with UMB.over $ XXXX was fraudulently spent at XXXX XXXX in odd increments of like XXXX over and over again in an obvious fraud manner until they cleaned out the account, UMB changed their statement mailing frequency to quarterly, so as this started in early XX/XX/year>, we didnt catch it til they mailed the statement in early XXXXwe immediately called them and claimed the fraudulent activitythey said they would immediately get back to usthey did notthis pattern has happened almost every week, no one gets back to us.
Consumer complaint received 2023-08-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2024-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc. (AZ)

My co-signed loan with Climb LLC, was charged off in XX/XX/2024, they would not give me any information on the transferring company, the refused to actually send documents and make statements on the phone that the documents come Via the mail or your email, and after 30 days there is not One single letter from XXXX XXXX XXXX  or Climb LLC with requested information. I continuously speak to supervisors, and they are not supportive, they make statements that I will be reached out to shortly, but no one XXXX is, or calls back about the charged off loan. 
Now XX/XX/2024, they have reopened the loan without consent, without approval, and made a statement that it will be back in my credit after the next billing cycle. 
Climb LLC, charged off, AND Closed the account for this loan, but opened the account and loan up again after roughly 60 days. Without consent or communication with me, or the main borrower
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX I was denied credit to purchase a vehicle by USAA Bank. 15 usc 1691 says I can't be denied credit due to a credit report, credit score, credit history, or income. Withholding my access to my securities is securities fraud. This violates the equal credit protection act 12 CFR 1002.4. A creditor can't discriminate or deny you credit. USAA have an F rating in dealing with melanated ppl in the past. They also have a failing grade from a Bank Regulator over evidence of discriminatory or other illegal credit practices XXXX  In 2022 USAA was fined {$140.00} XXXX dollars by the Office of Comptroller of currency OCC and financial crimes enforcement network FinCen. For failing to comply with bank secrecy anti money laundering. They keep all nine digits of my ssn on file. Violating Title 31 money and finance Treasury must collect all 9 digits of the ssn - purpose related to cyber security laws. 15 usc 1691 and 12 CFR 1002 says an adverse action in
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

I asked this company to stop reporting my personal information without my concent and asked that they remove any information they have against me that i never gave permission to have access too. On XXXX I sent this company a request to opt me out their system also to delete any personal information they have on me. I sent over all important information they asked me to send to identify myself. They refused to do so! I have asked I never had any dealings with them. I dont know anything about this company. This is fraud! l have added sensitive information to identify myself. The same information i sent them to remove me from their system.
Consumer complaint received 2024-08-06
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: SOFI TECHNOLOGIES, INC. (CT)

XXXX deposit showed up as not going through on the app but was still taken funds from my bank account. Sofi has taken more than 3 months to do something about it, not even give a provisional credit and their customer service is absolutely terrible. No body can help you in regards to your dispute and the only people that can are available through email only supposedly that dont answer you for weeks on end.
Consumer complaint received 2024-08-06
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: CarMax, Inc. (FL)

on XX/XX/year> I went to carmax to see if I can get a used car, they sent my iformation to 6 companies without my consent, one of them was XXXX XXXX who states that I have opened a new account with them and I never consented to opening a spending account, i have reached out to this company and they said i have to speak to the credit bureau. Car max never asked me or advised me that they will send my information to other companies which now they all have done hard inquiries to my credit and it has droped significally
Consumer complaint received 2023-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (VA)

I opened a checking account with Chime and funded it with a transfer from my hometown bank of {$1500.00} on XX/XX/XXXX. 
Immediately my account was locked, and I was unable to use my money from the account. 
Chime requested information from me verifying my identity and the origin of the {$1500.00}. 
I opted to close the account and requested my money be returned and received a conformation email from Chime on XX/XX/XXXX. 
Since that time, I have received multiple emails asking for conformation of my identity. I have submitted pictures of my driver 's license and passport as well as copies of my bank statement showing the transfer to Chime of the {$1500.00}. 
I have spoken to Chime 's customer services several times and I am told that the security department only communicates via email and have not resolved anything.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (GA)

On XX/XX/year> I initiated a call to Newrez Escrow about my unusual high escrow payment. I was told by the representative that they would do an escrow analysis. After waiting a month to hear from them, I called again on XX/XX/XXXX after receiving my yearly escrow report which RAISED the amount even more ( now over XXXX pet month ) for XXXX in escrow. Now the representative on the XX/XX/XXXX call said the XXXX request was never put in, but she would request one on XXXX XXXX. Now here we are on XX/XX/XXXX with NO ESCROW ANALYSIS!
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC (NJ)

I reached out at the beginning of XXXX via online banking message and on/or around XX/XX/year> the same way. I requested information about the process to remove PMI, if possible, so I can complete the process. I indicated that I had an appraisal completed and property value was 50 % higher at the time ( price is now between 70 % -80 % higher than when I bought my property ). I did not receive any information or documentation other than an acknowledgement of receipt. Company is not responding.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XXXX, XXXX, and XXXX are allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has been attempting to collect a debt which has not been validated ( 15 USC 1692q ), I have not given consent to furnish any information on my credit reports ( 15 USC 1681a2 ), as well as reporting inaccurate information puts them in violation of 15 USC 1681i ( 5 ). I would like communication from these companies to cease and desist, and I would like this inaccurate information removed from all of my XXXX credit reports immediately.
Consumer complaint received 2024-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

On XX/XX/XXXX I submitted a refund with my student loan servicer ( MOEHLA ) requesting a refund, under the CARES ACT, for student loan payments that I made during the COVID-19 Pandemic though my prior loan services ( XXXX ) . I was quoted approximately 90 business days for the refund to be processed. As of today- more than a full calendar year since I submitted my request -- I have only received a partial refund ( {$2400.00} in XX/XX/XXXX ) and am still waiting for a large portion ( {$7500.00} ) of the refund to be returned to me. Since I submitted my request in XX/XX/XXXX I have followed up on the status of my refund multiple times and been provided multiple different, and conflicting, timelines for when the refund will be processed. On XX/XX/XXXX I was instructed to provide MOHELA with bank statements, as well as screenshots from my previous loan servicer 's website confirming that I made these payments. Since providing those documents to MOHELA I was told on two separate and subsequent occasions ( XX/XX/XXXX and XX/XX/XXXX ) that my refund would be expedited, and it would take approximately 10-15 days ( for a total time period equalling 30 business days. During this period I've spoken with supervisors at MOHELA who have told me that my request has not even been assigned an employee to look into my refund, and the extreme delay in processing it.
Consumer complaint received 2024-08-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY (CT)

On XX/XX/2024, I got an email from American Express reminding me to use my prepaid card that was a graduation gift from a family member. I then logged onto American Express so I could do that and saw that of the {$250.00} total amount, someone in California had used {$240.00} to get a target gift card. So I reported that as fraud and, at that point, the charge was still pending. It was debited by American Express on XX/XX/XXXX. I was told that it would be fine since I put a complaint in before the amount was debited. They just got back to me and said it was denied. I asked for an explanation of why and requested to arbitrate.
Consumer complaint received 2024-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (FL)

They didn't seem to get the memo the first time, but we're only dealing with the original creditor. Meridian has shown NO proof that they have bought our debt from XXXX XXXX, only that they're acting on their behalf. Our last complaint was closed, but they're going to keep coming until we get the debt returned.
Consumer complaint received 2023-04-06
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: Affirm Holdings, Inc (VA)

On XX/XX/XXXX I realized that I had multiple personal loans that were took out in my name from Affirm Inc . I reached out to XXXX to resolve the issue by filing and sending them an identity theft report. XXXX says the accounts with Affirm with valid, but I don't personally have an account with Affirm so I was confused on why I had loans on my credit report with them if I don't have an account. I reached out to Affirm on XX/XX/XXXX, they said it will take them 3-5 business days to send me an report stating that those accounts were in fact fraudulent and they have not yet responded back regarding why they granted someone multiple personal loans in my name.
Consumer complaint received 2024-08-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

I submitted my application for school misconduct discharge for my private loans and was denied for all XXXX of my loans. I tried to ask what information was needed and they will not share, they will not even tell me why my application was denied. They will not share any information with me saying it is private and they're not allowed to share the process or denial information to me. My federal loans have already been forgive due to my schools misconduct and I have several supporting documents that show the misconduct by my school to get forgiveness for my private loans as well.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of XXXX. 

Capital One Auto Loan ACCOUNT Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

I sent police report, Federal Trade Commission Claim number, affidavit, and now getting you all involved. I also sent accounts, and account numbers, amounts, to no avail. several of the accounts were removed and reinstated. However proper protocol was not followed. The account holders didn't respond in a timely manner. They also did not notify me that these accounts were being reinstated after being remove for over a year.
Consumer complaint received 2024-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.