davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXXXXXX XXXX reported XXXX delinquencies on my credit report for balance of less than {$50.00}. I was assured I had autopay. I never received notice of these delinquencies nor did XXXX XXXX XXXXXXXX enable autopay as it had indicated.
Consumer complaint received 2023-12-01
Product: Mortgage — Conventional home 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 (CO)

Lakeview / XXXX website has been down since XXXX XXXX. After announcing their site back online and calling it " enhancements '', the site is slow or unresponsive entirely. 

Calling their customer service - no operators are available, the calls are just dropped when you attempt to get a person to speak with. 

Further research shows a major data breach and/or a ransomware attack. They have not been forthcoming on ANYTHING to us as customers, but rather tried to play it off as " website enhancements '' which is downright insulting. 

Tell your customers what is going on and stop lying.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (TX)

Was recently contacted by mail from Zion Holdings about a debt that I owed to XXXX XXXX for {$220.00} back from XX/XX/XXXX. I has a receipt from another credit agency from XX/XX/XXXX showing that that debt to XXXX XXXX was paid in full and theres a XXXX balance. Ive tried calling Zion Holdings to tell them this but they dont answer their phone. Ive been contacting a representative, XXXX XXXX, via email and she doesnt believe me when I say its the same debt because theres a different address on receivers end since I moved from that address in XX/XX/XXXX. Ive never had any other electric plan under my name since XXXX XXXX in XXXX.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NV)

I did my taxes on Cashapp  on XX/XX/2024 Cashapp said my refund would be paid into my account in 21 days. This did not happen, Cashapp is asking its customers to do their taxes using Cashapp. With promises of a refund within 21 days. It is now XX/XX/2024 and I still havent received my refund. Cashapp  needs to stop telling customers that their refund will get to them within 21 days, this is not a true statement but instead a scam.
Consumer complaint received 2022-11-24
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2022-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

From XXXX through XXXX XXXX I was XXXX  due to XXXX and related illness. Have a Capital One Bank Spark Business Card. In the past requested paper billing but it never happened. Due to my condition someone was taking care of my bills and was not aware of this bill as it was online access only, when I became able I checked my accounts and found this to be months delinquent. I immediately began making payments to pay it off. It has been XXXX for a while now and they have frozen the card. When I had called to explain the situation about my condition that had no concern about my health just when I would make an additional payment to pay it off. They advertise about how caring and empathetic they are about XXXX, nothing could be further from the truth. Had no knowledge that a business card was even tied to me personally, I take care of all my obligations and had excellent credit, now its damaged as a result of hardship and Capital One only concern is about getting paid. 
I have XXXX other Capital One accounts in good standing, never been late and both open for a period of time.
Consumer complaint received 2024-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (SC)

I made a complaint with Venmo on XX/XX/year> about money that was owed me for doing surveys with XXXX points. The money was sent from XXXX to Venmo on XX/XX/year>. I have been trying to get this money every since with communication at least once a week since. Finally on XXXX I received an email from XXXX XXXX, Paypal ( owns Venmo XXXX PayPalXXXX XXXX XXXX XXXX that the issue would be settled in XXXX weeks by sending me a check for {$25.00} to my home address, It is now over XXXX weeks and I have received nothing from Venmo and XXXX time I call customer service they said they have no record of this issue and they have nothing to do with PayPal. I believe they should pay me a penalty for withholding my funds from no lawful reason. I immediately replied to the email from XXXX XXXX with my address ( where I have lived for XXXX years ) People should realize that based on my experience with Venmo that they should expect little to no help from Venmo customer service if they ever have an issue with their account especially if it benefits Venmo. This money has been owed me since XXXXXXXX XXXX XXXX
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (UT)

During the Covid epidemic, we legally applied for a forbearance on our mortgage due to my job loss. I was traveling to Connecticut from Utah, and was no longer able to do this.

All of the promises were that there would be a solution and easy way to pay back the forbearance. All of the promises were that there would be no harassment or threat of foreclosure. 

This is not what has happened. With no discussion Selene Finance has sent lawyers that have charged us {$1200.00} to help negotiate are payback. Selene Finance did not approaches wants for the service. We do have a active bankruptcy, but we have a great lawyer that always responds, and I call Selene personally myself every month to make a payment. Selene made no attempt to discuss repayment of the forbearance before seeking legal counsel and threatening foreclosure.

This is not what was promised by the Covid. Forbearance offered to US mortgage holders. 

Selene Finance also continues to harass us. I call and make the payment on the first of the month and they take 2 to 3 days to process it and this month. We got a notice that we didnt make the payment on the XXXX. I have proof of payment was made, and taken from my account on the XXXX, which meant I called on the XXXX  or the XXXX  and theyre processing takes two days. Due to their processing, they harassed me that I was late. 

Since they continue to harass us and charged me {$1200.00}, I am filing a complaint.
Consumer complaint received 2016-04-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have been trying to get a loan modification from Bank of America for my Home Equity Line of Credit since XXXX of 2015. To date I have not been successful. I had been paying interest only payments on the loan of around {$420.00} per month. In XXXX of 2015 the Bank sent notice that the payments would increase to a little over three times the payment I had been making. A new payment of {$1300.00} My circumstances have changed significantly since when I originally took out the loan. I was XXXX that rendered me XXXX and unable to work. I had to retire on a small pension. To start the loan modification process, the Bank asked me to provide extensive financial information : monthly income and expenses, tax records, ( which had been destroyed and I am just now recouping ), retirement and XXXX records. I provided the Bank everything they asked. At times, they asking for the same thing XXXX and three times, from the initial contact until now. The new payment amount of {$1300.00} I can not afford to make along with my monthly medical expenses, rent, insurance, food and transportation, all of which are going up and XXXX for benefits did not this year. 
I will be forced into foreclosure for sure. When I asked for the modification under hardship, I wanted to lower my payment to make it affordable, i.e. a lower FIXED interest rate and extend the loan term. 
BANK CONTACT-XXXX
Consumer complaint received 2023-08-28
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. (TN)

1.DEPT OF ED {$9300.00} UNVERIFIED/INNACURATE 15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

15 U.S. Code 1681b ( a ) In general ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-06-09
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: DISCOVER BANK (PA)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated XXXX  XXXX XXXX formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Consumer complaint received 2024-05-04
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. (NY)

The inquiry was not authorized and this inaccurate address was not mine. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXXXX/XX/year>.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo charged me 4 overdraft fees of {$35.00} during the past 30 days, one for a {$20.00} item. The fees are excessive and not related to Wells ' costs.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER HOLDINGS USA, INC. (MA)

I use bill pay and have set several accounts to autopay. I have never had an issue with Bill Pay previously. On XX/XX/XXXX, a payment was supposed to have been paid to my mortgage company. The check from the bank was received by my mortgage company XXXX  days late and I was charged a late fee by them. I asked the bank to reimburse me the late fee and they refused.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I sincerely urge you to remove this item from my credit report as it's not associated with me and is completely fraudulent. I kindly ask that you swiftly investigate and correct this inaccuracy on my credit history.
Consumer complaint received 2024-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NE)

I received messages from my loan servicer ( Mohela ) in XXXX about delays and my loans being put on administrative forbearance presumably to process the influx of repayment plan applications at the time. My loans stayed on that administrative forbearance for 180 days I believe. In XXXX I received a billing statement that my loan payment amount was {$420.00}, which was obviously incorrect since that's not what my repayment plan estimate was and I never received any communication about there being an issue with my repayment plan application. I messaged them about this shortly after but never received any communication about when they would get back to me let alone an actual response to my concerns. I then received another billing statement in XXXX that my current due amount was {$460.00} and my past due amount was {$460.00} for a total of {$920.00}. I messaged them again about this and this time actually received a response. The response said that I was 27 days past due on my account, that the past due amount was {$890.00}, and that I owed {$1700.00} before the end of XXXX. They also said that my account was on the level plan which is not the SAVE plan that I applied for and received no communication about there being issues with my application. In fact they confirm that they received my application and that they were working to disclose all applicable loans as soon as possible, that I don't need to take further action, and that my account would be updated to reflect the SAVE plan as soon as possible. I haven't received another billing statement yet but I suspect that I will for another incorrect amount of money. They essentially admit that they haven't done their job and are still just completely fine with charging me an incorrect amount. How many other people are they scaring into thinking that they have to pay XXXX times what their payment should actually be? Why would they not put it back on administrative forbearance if they can't process the application yet? Unless it's just to trick people into paying an exorbitantly high payment and circumvent the repayment plans. Even if my loans do get put on the SAVE plan are they actually going to adjust what I owe and get rid of the {$1700.00} balance I have or are they going to expect me to pay that? That would be XXXX. They're the ones that can't do their job and/or that XXXX up. How is this going to affect my qualifying payments for my PSLF? I'm losing out on those qualifying payments and my eventual debt forgiveness because I can't make {$400.00} payments. It's all just a ridiculous clown show.
Consumer complaint received 2024-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

I called the company to make payment arrangements. The arrangements I made for 3 accounts was for a payment to come out once a month. They pulled the payments twice a month without permission. When I called, they said they would send me a " new '' agreement for the once-a-month payment. I switched to that, but now I need the money they pulled without my permission back.
Consumer complaint received 2024-06-08
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: TRANSWORLD SYSTEMS INC (NY)

To whom this may concern I was checking my credit report XXXX XXXX XXXX XXXX and XXXX and found the following items to be in error by provisions of the Fair Credit Reporting Act, I demand these items to be investigated and removed from my credit report. I do not recognize TRANSWORLD SYSTEMS opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 
It is my understanding that you will recheck these items with the creditor who posted them. I demand proof of original contract for the collections. Please remove any information that the creditor can not verify. I understand that under 15 USC section 1681 I ( A ), you must complete this reinvestigation within 30 days of the receipt of this letter. I would like to please receive a updated copy of my credit report and copy of the verification information for accuracy to the above address. Thank you for your time and help on this matter.
Consumer complaint received 2024-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NH)

I am homeless and just won my ssdi case I've been fighting for 4 years in which I almost took my life XX/XX/XXXX, I have lost most of my possessions, friends and family. I've been living out of my car for the last 5 months with my emotional support animal. I just finally recently received my ssdi back payment which was alittle over XXXX. I was going to use this money to secure my life but now that venmo has banned my account and are withholding my money knowing my situation which I told them as well as my banker told them and this has put me into a XXXX XXXX  in which XXXX XXXX XXXX XXXX XXXX  on. So needless to say venmo is with holding my government earned ssdi back pay for 180 days saying I violated its user agreement yet they refused to tell me what I violated and I did exactly what the lady I talked to XX/XX/XXXX told me to do which was to transfer the money put of venmo when I receive it. They now say it's a done deal and I can't dispute nor I or any can contact them on this matter. This is inhuman given my situation and the fact that I won my case for ssdi and this is the money from that and has put my life not just on hold but at risk. I need to have this resolved from professionals and got suggested to inquire on here for help.
Consumer complaint received 2024-08-09
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: EQUIFAX, INC. (FL)

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
XXXX claimed owed : {$990.00} Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2022-12-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reinvestigated my credit report, I realized that this o account was erroneous. The Transunion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance Owed : {$740.00}
Consumer complaint received 2022-11-24
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.