davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

XXXX is my loan service provider. Since earlier this year, they have been transferring loans to a new platform. I received notice that my loans would be transferred starting on XX/XX/XXXX. I was told this transfer to the new system would take 14 days and after that I would be able to create a new account on the new platform to access and pay my loans. 
On XX/XX/XXXX, the transfer to the new system was initiated. The old platformed confirmed this and my balances showed as {$0.00} during the transfer. 
On XX/XX/XXXX ( 16 days after the transfer ) I attempted to create a new account on the new system, but my account could not be found. 
I tried again several more times in the week that followed, all with a error alert that my account could not be found. 
On XX/XX/XXXX, I received an email from XXXX detailing that the transfer was taking longer than originally estimated and that I would receive notice when it was available. 
I tried several more times in the week after that to create an account. 
On XXXX XXXX ( over 30 days since the transfer was initiated ), I called XXXX to request an update. As XXXX percent interest is ending on XXXX XXXX, it is imperative that I access my loans to pay a portion down -- I have enough to pay off one of my loans completely and did not want interest to accrue unnecessarily. 
I waited on hold for XXXX minutes. When I finally got through, the customer service rep could not provide me with a concrete time line for when I would be able to access my loans. She repeated that there was a delay. I told her of my intention to pay some of the amount owed and she advised that I would simply have to wait. I asked if there was an alternative way to pay and was told that I could send a check, but that I would have to put my Social Security Number on the check since I don't have a new account number and that the check could take up to 90 days to process because of the transfer. 
I have since tried to access my account several more times, with no success. 
On XXXX of XXXX, I received another email that the delay was ongoing. 
I have received no updates and still can not access my account or pay my loans. 

It's unacceptable that I can not access my loans and there is no real alternative to pay during the transfer -- especially right before interest starts up again. Because I can not access my loans to put payments toward them, I will accrue interest unnecessarily. XXXX needs to promptly fix this issue so that I can access my account.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit report and the information was not correct. I have contacted them and they have said that the accounts were verified. I asked them to provide to me how they verified/validated the accounts and I received no response. I have checked my other credit reports and it shows that they are reporting different information for the same accounts which is against the FCRA laws and this violates my rights.
Consumer complaint received 2024-06-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I had a very small fraud claim on my credit card at the end of XXXX, for which I was also travelling to XXXX back and forth. I called Bank Of America to report the fraud charge. 

I simply awaited till they fixed the charge before I paid my balance ( this was a small {$100.00} charge as I usually have XXXX bill per month which I had perfect payment record of ) They subsequently closed my account due to non payment, which I was waiting for fraud department to clear before I made payment. 

I called them and told them the situation, after much deliberation they reactivated my credit card because they realized I pay all my bills on time, with very high limits. This was simply a clerical minor error and was due to their mistake, which is why they reactivated a closed credit card. 

After this was clear, on XX/XX/XXXX they re-closed my account. I was very confused so I called them back. They said they did an annual review, and there was too many account closures which why they closed this account. This account closure was due to previous months back mistake that happened! With this my account was closed, and I lost all my XXXX reward points I worked very hard to get! I think they did this on purposely to save themselves from me redeeming the points. 

There was a recent lawsuit againt BOA from rewards malpractice, and I seemed to fall into this mix. Please help as I want my EARNED rewards back! I shifted my 7 figure business account out of BOA for that very reason. 

Attached below are documents proving their account closure mistake, and then subsequently the re-closing again two months later due to " annual review ''
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Card Receivables Fund Incorporated (TX)

A judgement was made and awarded to Unifund CCR LLC, {$2200.00} plus {$750.00} in lawyer fees, & XXXX  % per annum from XX/XX/2017 until paid. This happen without any proper notification of the lawsuit, as any documents were sent to a previous address. The only way I was notified of the situation is when Justice Court Precinct 2, mailed a summons to my current address.
Consumer complaint received 2023-08-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (MD)

On XX/XX/ I mailed a debt validation letter to southwest credit systems using certified mail. The letter was asking them for proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, an agreement with the original creditor that grant them the authority to collect on the alleged debt, verification that this debt was assigned or sold to a collector, complete accounting of the alleged debt, and commission for the debt collector if collection efforts are successful. I notified them that they had 30 days to validate the debt or all references to the account must be deleted and completely removed from my credit file, and a copy of the deletion request should be sent to me immediately. I also asked that they not contact me about the debt. They received this letter no later than XXXX XXXX XXXX, which I have the certified mail return postage to verify. They have not sent me any proof or verifications of the debt and I wish for it to be removed from my credit report.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (SC)

MY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX SC XXXX My DOB XX/XX/XXXX my SS XXXX. I have addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I have attach my proof of ID and address.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-08-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: PNC Bank N.A. (NY)

I got a letter from PNC Bank dated XX/XX/2023 stating that they incorrectly quoted my fixed HELOC interest rate at 8.14 % but it should have been 8.0285 % since the beginning of the loan. When I called and spoke to a representative to ask if this rate was applied for the life of the loan which was established on XX/XX/2023, they told me that I got the lower rate. I was also told the lower rate was applied since the loan was established and I had already received a credit for any overcharged interest. However, when I reviewed my XX/XX/2023 statement, it showed that the higher rate of 8.14 % was still in effect for at least 8 days during the prior month of XXXX and it did not show any credit for previously overcharged interest. How can I be assured that they calculated my rate correctly and applied the lower rate to my account for the full duration of my loan? I would like the CFPB to investigate.
Consumer complaint received 2019-04-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

A debt of {$100.00} dollars for services performed by XXXX XXXX XXXX was referred over to CONTINENTAL CREDIT CONTROL. CONTINENTAL CREDIT CONTROL has been trying to collect on the debt and adding interest charges to the amount. I confirmed with XXXX XXXX XXXX and they informed me that they do not collect interest on unpaid balances nor does any of their documentation state that unpaid balances are subject to interest fees. 
As a general rule, the addition of any interest, services fees, collection costs or other expenses incidental to the original debt is permitted when such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 U.S.C. 1692f ( 1 ) [ 808 ( 1 ) ].

In this case, it was not authorized by any agreement.
Consumer complaint received 2023-08-25
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: WELLS FARGO & COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (PA)

Overdraft fees are a standard {$36.00}, flat expensive fee. 
XX/XX/23 Balance was + {$170.00}. 
XX/XX/23 XXXX XXXX XXXX - {$220.00} ( price increase ) cleared Balance - {$49.00} XX/XX/23 XXXX XXXX XXXX - {$3.00} - {$58.00} XX/XX/23 XXXX XXXX XXXX - {$6.00} XXXX XX/XX/23 XXXX XXXX XXXX - {$8.00} XXXX XX/XX/23 Cash Deposit to Account of + {$500.00} XXXX XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 XX/XX/23 Overdraft {$36.00} for XX/XX/23 Overdraft of approximately {$70.00} Fee of Overdraft was {$140.00} ( DOUBLE THE OVERDRAFT ) ***How is that fair, how is that NOT a JUNK FEE. How does consumer protection work?? Check Balances go up & down, many financial transactions are not processed the moment the transaction occur. Deposits, Transfers TAKE upwards to 24 hours or more to process. The electronic balance that is viewed online IS NOT the real balance, it's easy to overdraft, and if there are multiple transactions then feels are multiplied.
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (GA)

XXXX previous case numberSince my last written complaint, Nationstar approved a HAMP but not what was originally agreed to ( Did not take off my ex husband or give me the interest rate offered by Aurora Bank ). My payment went up with this version of the HAMP but I was told my ex husband who is on the loan would be removed with this new HAMP. So, in order to get my ex husband off the loan I agreed and signed the HAMP. When I received the HAMP paperwork, I was shocked and dismayed my ex husband was still on the paperwork and I got a higher interest rate. Upon calling my rep, he explained that he would attach my divorce decree and quit claim deed where the property was quit claimed to me solely by my ex husband that this would remove his name from the loan. So, I signed and returned the paperwork regardless of the higher rate to attain this end. I attaching the email from the Nationstar rep stating that his name would be removed. I signed the paperwork with my ex husbands name on it without his signature. Nationstar signed and recorded this document ( see attached ). My ex husband served me with a lawsuit for not making payments, ruined his credit, and for not taking him off the loan. When I called Nationstar about this the said they will not remove his name off the loan, even with the paperwork I signed, the proof I sent, and the written email from their company. Now I come to find out that they fraudulently manipulated my credit report to show late payments that never occured putting my payments in a suspense account. All of my payments have been on time and I have copies of the cancelled checks to prove it so. They admitted their manipulation of the credit report however it also affected my ex husbands credit report. Their fraudulent actions not only affected me but my ex husband as well, from which I understand this is a federal offense. I am now in the XXXX year of this process. I accepted Auroras offer at 2 % and taking my ex husbands name off the loan, upon the sale of this loan to Nationstar they claim they lost the paperwork ( funny how they said they lost it but yet they accepted modified payments they said they lost XXXX. So I had to start the process all over again. I have now had to hire XXXX attorneys to try and straighten out this mess. One to defend my husbands lawsuit and the other to make Nationstar do what the said in writing. We are still going back and forth with Nationstar to do what they said. XXXX If you would like to verify that last sentence you may contact my ex father in law which I can supply his name and number if requested.
Consumer complaint received 2024-06-07
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2023-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX Located at XXXX XXXX XXXX. XXXX XXXX, CA XXXX. I rescinded the contract with the dealership on XX/XX/XXXX because the finance charge was not disclosed to me and I was told that must pay {$3500.00} XXXX  in order to drive off the lot with the car today. Also, after they charged me for DMV vehicle registration fees, the DMV has informed me that XXXX XXXX XXXX has failed to submit DMV registration paperwork beyond 90 days from the purchase date. As of today XX/XX/XXXX, the vehicles registration is currently expired/suspended due to a lack of title registration from XXXX XXXX  XXXX XXXX I believe that XXXX XXXX XXXX willingly and knowingly took advantage of my consumer credit. I was given deceptive and false information regarding the down payment and the finance charge was not disclosed to me. I made the vehicle available to them at my place of residence for them to pick up the vehicle, and they had a XXXX  Device tracking the vehicles location but they never came to pick up the vehicle from me.

I believe that this is a violation of 15 U.S. Code 1605, 15 U.S. code 1635, and 12 CFR 1026.4, because I rescinded the contract on XX/XX/XXXX and it has been beyond 20 days with no remedy from XXXX XXXX XXXX.
Consumer complaint received 2024-06-07
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. (TX)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

Consumer Adjustment Company Inc ( CASI ) has reported an incorrect debt to the credit bureau which is negatively affecting my credit. The balance the collection agency is quoting was forgiven by the XXXX. I still have the XXXX letters that state that my balance was forgiven. I informed the credit agency of the balance forgiven via dispute on theor website and via email which was not resolved. The collection agency denied my dispute via XXXX XXXX 4 times. They won't remove the incorrect debt on my credit.
Consumer complaint received 2019-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have made many attempts to dispute the incorrect late status in XXXX and XXXX of the Department of Education accounts. My accounts has never been late. They have always been in deferment or 0 payment on the IDR. Please assist me in getting these derogatory reporting from my credit file.