davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt XXXX, 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NC)

I made no purchases with this merchant however they keep attempting to charge my credit card account repeatedly. I want them to cease all transactions immediately. I requested XXXX to stop providing my card number to the merchant when I get a new card number with their Automatic Billing Updater and they are telling me to speak to Goldman Sacs who is telling me to speak with XXXX. I just want this fraudulent merchant to stop having access to my updated card numbers. I request an updated card number and the merchants that I want to have the updated number like XXXX do not get the updated card number but the fraudsters do. Make it XXXX sense.
Consumer complaint received 2024-08-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Harley Davidson Financial Services Inc (CO)

In XX/XX/2023, I, XXXX XXXX, took possession of a 2023 Harley Davidson XXXX from the XXXX XXXX Harley-Davidson of XXXX Colorado . Therefore, let it be known that I, XXXX XXXX, do hereby claim this vehicle to be mine by right of possession and usage and do not recognize any counter claims secured through fraud such as the one being made by XXXX XXXX XXXX  who falsely secured the title to this property with bank credit fabricated from nothing thus failing to provide proper consideration. Let it be further knowing that any attempts to take this property from XXXX XXXX or deprive him of his rightful usage are illegal and a violation of his rights. Should attempts be made by any person public or private, the owner maintains his right to lethal self-defense and will do so with impunity according to the Make My Day law of the State of Colorado. 

XXXX XXXX is open to receiving counter claims at his residence provided those claims can prove legitimate ownership. XXXX does not recognize claims of ownership that can not prove possession, usage, or a valid transfer of title. Any claims to a valid transfer of title that were secured with Federal Reserve Notes ( ie U.S. Dollars ) are dismissed as null and void, failing the requirements of contract law. Any precedent of lending institutions successfully using Federal Reserve Notes to secure contracts is invalid on this basis. 

This post serves as public notice. I dont have the time, resources, energy, nor will to navigate the convoluted legal system that has been complicated by the vested interest of attorneys and their law firms. XXXX XXXX would further like to inform XXXX XXXX XXXX  and the CFPB that he is training hundreds of thousands of people worldwide how to expose the fraudulent and deceptive practices of the Federal Reserve System and its participants in depriving people of their rightful possession and usage of their private property.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX I filed a claim and XX/XX/XXXX I filed another claim for new transactions involving a merchant from the dispute filed XX/XX/XXXX. I requested them to block the merchant and I suppose they did not. I urgently need my money back. 

Also after filing the claims my online access gets revoked and get no help over phone and I'm demanded to step into the branch when I live in XXXX. So NO money NO access how do they demand me to step in.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (SC)

Discover card decreased my credit limit from {$12000.00} to {$3000.00}. That is a significant credit line decrease. I have been making my payments on time and was never late. I have been a member since XXXX. I have used this card for moving and also after covid to be able to survive. Because of the decrease in credit line, my credit usage on this card increased to 78.77 %. Prior to that it was 19.24 %. That is a significant change. Does that sound fair? Especially since I have been making payments online. My score also decreased. Discover messed up my credit. My father passed away and needed to use this card but I could not since I am so close to my current limit. 

I'M INCLUDING THE LAST FOUR NUMBERS OF CARD. DO NOT WANT FULL NUMBER ON HERE.
Consumer complaint received 2024-08-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (AE)

XXXX XXXX XXXX is using an internet appliance from XXXX. It appears that the internet appliance is blocking connections from international IP addresses. This is a problem for folks that have a VA loan that are XXXX XXXX. It makes maintenance of the mortgage impossible without using a XXXX, most of which are sketchy at best. I have sent numerous emails to the company over the past 45 days and received no response aside from automated responses stating the email address is no longer valid. Attempts to reach the mortgage company website result in 403 error, stating the web page is BLOCKED
Consumer complaint received 2018-01-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PR)

I am submitting my complaint formally to resolve a situation that has been mortifying my emotional and financial stability for years, affecting my credit with incorrect information and preventing me from growing financially. Despite trying to solve it through the Credit Bureaus Dispute on multiple occasions, I have not been able to achieve it. The company XXXX XXXX reported in my credit report allegedly Late Payments from XXXX XXXX to XXXX XXXX ( see image XXXX ). These alleged Late Payments appearing on this closed XXXX XXXX account belong to a loan that was transferred to Navient in XXXX. 

The late payments that XXXX XXXX reported on my Credit Report for the last time on XXXX XXXX, XXXX, ARE INCORRECT and should not appear on my credit. I have never had late payments since by the time they accuse me of not having paid I was attending school. I contacted the company XXXX XXXX and they told me that no information of mine appears in any of their systems, however in the disputes that I submitted through the Credit Bureau their response has been that they will not make any changes. I do not understand as if they do not have information of mine in any of their systems, they continue to deny me the elimination of incorrect information in my report. 

Attached you can find official evidence extracted from my XXXX  Credit Report. Note in the image called " XXXX '' that XXXX XXXX reports late loan payments on the dates in which Navient was already positively reporting the same payments as it was deferred for attending the school. Additional see the document entitled " XXXX '' and " '' XXXX '' of the XXXX XXXX XXXX XXXX, University in which I completed my studies. The document is an official certification that I was attending school in the months in which XXXX XXXX reports to my credit the supposed Late Payments.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : [ WELLS FARGO CARD SERV ; Account Number : # XXXX ], has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MD)

My loan was sold from Specialized Loan Servicing to Shellpoint. Shellpoint sent me the first statement for XX/XX/XXXX 's mortgage payment and it was correct. It allowed me to pay the Principal, interest, taxes and insurance. The second statement for XX/XX/XXXX is NOT allowing me to pay XXXX and it's mandating that I only pay interest, taxes and insurance. It's NOT allowing me to pay principal and it's not telling me what the principal payment is. This is significant because my loan 's interest rate fluctuates monthly, so I never know from one month to the next what my payment is, so I need to know from them what my payment ( XXXX ) is every month. 

I also do not know if they are calculating my interest rate correctly. Interest rates have gone down and mine has gone up, so I need to know how this interest rate is calculated and whether a 8 % interest rate is correct since interest rates now are under 6.5 %. 

When I called the first time, they said the second statement which only gives me the interest, taxes and insurance, is correct and they can't help me. When I called the second time, they also could not help me and said they would get back to me within 7 to 10 days, but If I wait, it may cause me to have an issue with my payment which could affect my credit and this is unacceptable. 

I believe the way they are mandating I pay my loan is illegal and this needs to be changed immediately.
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF NEW YORK MELLON CORPORATION, THE (FL)

Debt was charged off years ago, now new company making claims against our property threatening foreclosure. Documents submitted to clerk of courts are falsified. Debt does not appear on my credit report.
Consumer complaint received 2024-09-24
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX # XXXX, Has violated my right. 
15 U.S.C 1681Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 A Section 2 : It Also States A consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2024-09-24
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. (CA)

This is my XXXX endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. CAPITAL ONE XXXX and CAPITAL ONE XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Consumer complaint received 2018-01-13
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. (PR)

Last XXXX XXXX 2017, I applied for a job at the XXXX XXXX XXXX XXXX and I found out that the XXXX XXXX account # XXXX I no longer have any responsibility since my ex-husband refinanced it and took me out of the loan. It reports being open reporting up to 120 days of delay affecting my credit history and the possibility of obtaining work. Although you send the necessary evidence for this information to be corrected in the Experian agency, you continue to report incorrect information, determining that XXXX XXXX confirmed that the information is correct. The XXXX and XXXX agencies corrected the information. I request that the necessary attention be given to my case since this incorrect information depends on my possibility of a job that I request.
Consumer complaint received 2024-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (UT)

MOHELA recently transitioned their online accounts to the new studentaid.gov URL and provided lots of communication and updates about how the process would unfold. Included in an email ( attached ) sent to me on XX/XX/year> indicated that MOHELA was managing the transfer of Auto Pay information to try to ensure your payments arent interrupted. We will notify you if an interruption occurs so that you may make a manual payment via the new website after the transition is complete. 

I never received a notification that my Auto Pay would be interrupted for two months : XXXX and XXXX. Had I received a notification, I would have made manual payments to avoid incurring unnecessary interest charges. Instead, it was solely on me to keep track of my account history and discover that Auto Pay had not been deducted, as it was indicated it would be despite the transition.

This failure of MOHELA to manage the transition nor inform me of a need to make manual payments led to additional interest charges that would not otherwise have been incurred. This also led to the interst accrued to be capitalized into the principal balance. This is simply unacceptable for any loan servicing company.
Consumer complaint received 2023-11-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

XXXX XXXX has a bill for {$400.00} that is not for me and is in Amsher Collections. Since this bill is now in collections, it was showing on my credit report throughout each bureau. When calling both Amsher Collections and XXXX XXXX, they confirmed that the DOB on file is my fathers but has my SSN attached. My father for a fact does NOT know my SSN and this account should not have been activated if they properly did a credit check on my father. In order to get this disputed, XXXX  protocol required to submit a request for an identity fraud claim on their site. Afterwards, I will be contacted by an investigator within 30 days. It is almost 30 days and when checking on the status of my report, no one was able to provide me with an update. Furthermore, no one provided me with a number that I can call to check in with the investigation department. Keep in mind, I filed the report on THEIR website. Till this day, I have yet to be contacted by an investigator that can help in this situation. During each phone call I had with XXXX prior to filing, I made it clear that this was a mix up in which this debt is for my father and not me. I myself, has NEVER had services with XXXX XXXX and the lack of help that they are giving me is unfair and harming my credit. I provided necessary documentation to XXXX XXXX when filing my complaint. 
Additionally, XXXX the Credit Bureau out of all other Bureaus is refusing to help in this situation too. So far I filed a total of 3 disputes with them and each came back with the same result, " verified as accurate '' within 3 business days MAX. Commonly known, if someone was to file a dispute, the investigation would take a total of 30 days. If properly investigated, you should expect your results by the 2nd or 3rd week from filing. Even after providing documentation, XXXX was the ONLY bureau that is verifying this mix up as accurate. Which causes me to wonder if they are actually doing their due-diligence and investigating the situation. When asking about my IDs, they stated that one was legible and the other hard to read. However, both IDs images were sharp but XXXX was the ONLY Bureau to deny this claim. How is this possible if I provided the same IDs to other bureaus without this problem?? 
Please help me in this situation because this is unjust and should be a simple solution. This is highly frustrating as I am getting mistreated by XXXX XXXX  Amsher Collection Services, and XXXX Credit Bureau! I can provide as much information as possible if needed, thank you!
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear Spring Oaks Capital LLC, Re : Request for Debt Validation I am writing to formally request validation of the debt you claim I owe, as per my rights under the Fair Debt Collection Practices Act. My name is XXXX XXXX XXXX, and I am requesting verification of the following account : Account Number : [ Your Account Number ] Amount Owed : [ Amount ] Please provide me with the following information : The amount of the debt. 
The name of the creditor to whom the debt is currently owed. 
Documentation that verifies your right to collect this debt. 
A detailed statement of the account, including any interest, fees, or other charges. 
Proof that you are licensed to collect debts in my state. 
Until you provide this information, I request that you cease all collection activities. I appreciate your prompt attention to this matter and expect a response within 30 days. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (OH)

I opened a bank account with Truist in XXXX of XXXX, with a promotion to receive a {$400.00} credit upon completion of qualifying activities. I called Truist, twice, and spoke to two different customer service representatives that both confirmed that I had completed all the qualifying activities. I then received an email stating that I did not complete the activities and would not be getting the credit. I called again and had the issue escalated and also requested the call transcripts. I was told that the transcripts would take a week to receive and the escalation would take longer. I have yet to hear back from anyone at Truist. This is not the first issue Ive had with this bank. When I initially opened my account, I attempted to send a XXXX payment to my own account with another bank because I hadnt received the debit card and could not use my funds. This triggered a fraud alert and resulted in a block on my account. I was told I needed to go into a branch to have the block lifted. I explained to them that the closest branch was 2 hours away and there had to be something they could do to help me. I even emailed their CEO and was still refused assistance. I eventually had to drive to the branch because all of my money was in that account and I could not access it.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>