davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 XXXX debt bondage, which falls under XXXX according to XXXX  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 2023-06-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NE)

Received card as a XXXX present, it was loaded with {$500.00} XXXX, and given to us on XXXX. When trying to activate the card the site, XXXX, said there was an issue with the card and to call customer service, XXXX after several attempt and hold time of 30 minutes plus we got to talk to an agent each time only to put us on hold to " investigate '' and then would drop the call shortly after. Attempted to escalate to supervisor and was disconnected after the agent stated they did " do that ''. 
The agent confirmed that the funds were loaded, there was no transactions, and the balance was XXXX. No help to resolve this issue from the company and horrid customer service.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records.I have also directly contacted the bank associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX  XXXX
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (FL)

FAXED MODIFICATION XXXX AND MULTIPLE TIMES CALLED XXXX REP SAID ONLY NEEDED XXXX CORRECTED DONE, NOW TODAY AT XXXX TALKED TO A SUPERVISOR SAID NEEDED MORE INFORMATION PAPERWORK HAS BEEN THERE SINCE XXXX AND STILL 4 DIFFERENT REPS SAY 4 DIFFERENT THINGS, WILL FILE IN FEDERAL COURT ON FRIDAY, SUPERVISOR SAID SAID WILL GO THRU EVEN THOUGH WAS IN SINCE 30 DAYS BEFORE SALE
Consumer complaint received 2024-10-15
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 purchased a trial from a company ( XXXX XXXX XXXX XXXX ) that was set to auto renew in 3 months. In XX/XX/XXXX, I received an email stating, Hi! 
Your plan XXXX expires XXXX XXXX You can renew it in the panel. 
Sincerely, The XXXX XXXX Based upon the content of this email, I believed that I must have already cancelled my plan, it was expiring, and that it would not auto-renew. Because of this, I did nothing. On XX/XX/XXXX, I received an emailed receipt for {$170.00} for an auto renewal of this plan. I immediately contacted the company and told them that I do not want to have this service, and asked what I need to do to assure Id not be charged again. The company would not reverse the auto renewal charge. 

I contacted my credit card issuer, Goldman Sachs on XX/XX/XXXX and provided them with the same information Im providing here, complete with screenshots of the emails between myself and leakcheck, as well as the email stating that my subscription would expire on XX/XX/XXXX. Goldman Sachs denied my dispute, without a specific reason given. I reasserted my dispute on XX/XX/XXXX. Today I was informed that my dispute was again denied, without a specific reason given. I reasserted the dispute, filed a complaint with the FTC against XXXX, and am filing this complaint. 
Ironically, after I was charged for the auto renewal, I went into the dashboard and canceled auto renewals there. Once it was time for the next billing, I received the exact same email stating that my plan was expiring and to log into the dashboard to continue it. However, this time it was actually canceled, so it never charged me. So, customers who cancel and customers who are about to be billed for an auto renewal, both receive an email stating that the subscription is expiring, with no mention of auto renewal.
Consumer complaint received 2024-08-01
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. (NY)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 2024-08-28
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (NY)

In XXXX of XXXX, a mortgage modification application was submitted to Mr. Cooper due to a Covid hardship. 
Each month, documentation was missing on their end, it had expired, or they never received it or needed more paystubs. 
During this time, they told us to not make any payments until we had an answer on the application. 
In XXXX of XXXX, we got served foreclosure papers- and were told to disregard that as that was an error on their end. A week or so later, they denied us due to the amount owed being greater than XXXX percent of the value of the home. 
We contacted the USDA as this is a USDA mortgage, and we have {$34000.00} available in an XXXX account - that Mr. Cooper can utitlize ( and we stated we would pay the difference of what would be owed- which would be about {$10000.00}. ) Mr. Cooper denied that as they stated they would not be able to take it in XXXX payments, and that we would have to apply for a modification again. - which we know would be denied because the Covid Hardship ended on XX/XX/XXXX - but our original application started 14 months before it ended. Mr. Cooper just wants to foreclose on us - and kick us out of our home; with XXXX XXXX XXXX  involved - because the equity on the home has doubled since we bought this house. We have reached out numerous times to Mr. Cooper to get this matter resolved ( as we have not heard anything from their end regarding the denial ) but they deny us immediately and each associate doesn't wish to help us - as all we want is to get our mortgage re-instated so we can continue to make our monthly mortgage payments.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation (NM)

I have repeatedly filed disputes against this account. I did not receive a loan and or a line of credit in any way shape or form from this company/place/ business/ organization ..... THIS IS NOT MINE AND I WANT IT REMOVED IMMEDIATELY.! I HAVE ALREADY SENT THEM MY PROOF THAT THIS ACCOUNT IS NOT MINE..
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (FL)

Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation.

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process.

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : XXXX XXXX XXXX  Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item. 

Pursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation.

I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION (AE)

I am the seller in the loan assumption of a VA loan serviced through Navy Federal Credit Union. This sale was originally scheduled to close in XXXX of this year ( 2024 ) and has now passed through multiple extended closing dates due to a lack of response from NFCUs loan assumption department ( despite many attempts from all parties to reach out ). As of today, a new Senior Processor was assigned to the sale and it appears the entire process is starting over ( requesting information and documentation which has already been provided by both the buyer and myself ). This seems suspiciously like a tactic to dissuade consumers from executing a loan assumption, as allowed by NFCU policy, due to the higher interest rates ( and profit margins ) of normally sourced loans. This is either directly intentional or a result of deliberate staffing practices designed to achieve such goals. Both the buyer and myself are in awkward financial positions as they have already moved into the home in good faith, and I am having to charge them a per diem for the early occupancy. NFCU processors claim that this process simply takes longer, but that does align with the objective fact that we are having to start over from scratch in the process.
Consumer complaint received 2024-08-19
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp (CA)

Collection Agency XXXX XXXX XXXX Original Creditor Name XXXX Date Assigned XXXX XXXXXXXX XXXX  Original Amount Owed {$7600.00} Amount {$7600.00} Status Date XXXX XXXX XXXX Status UNPAID Balance Date XXXX XXXX XXXX  Account Designator Code XXXX  Account Number # # # # # # # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/scrub>XXXX XXXX XXXX  Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I was never contracted with this company or bind it. This needs to be removed, deleted and updated on Credit report.
Consumer complaint received 2024-08-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/year>, I issued a money order in the amount of {$800.00}, payable to Affirm , Inc . This money order was mailed on the same day to the payment XXXX XXXX XXXX by Affirm. The money order was established and governed under UCC-3-419, UCC-3-104 , UCC 3-608 , UCC 1-308, 18 U.S.C. 8, and included language under CFR 328.6 for presentation to the United States XXXX  for new issue, redemption, or exchange, along with all other applicable laws governing negotiable instruments. 

As of today, XX/XX/year>, the payment has not been applied to my Affirm account, and it is now incorrectly listed as past due. The payment was delivered well before the due date, making this past due status an error.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc. (GA)

Pursuant to 15 U.S. Code 1681c ( a ), I request deletion from my credit report due to inaccurate and inconsistent information. The last payment dates reported are contradictory, making the information unreliable.also one shows a closed date and my other report doesnt
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WA)

I have a 100 point differences from XXXX and XXXX? Why is that? I call XXXX they ask me to compared them, I did, they were all the same? So, why the 100 points difference? Please explain.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

I was attempting to deposit a check for {$3000.00} given to me by my grandmother. It was returned by her bank as it triggered a fraud warning. She is in the hospital currently and was not able to contact her bank in time to approve the check. This is fine, I will have to get another check written out at some point. However, Ally, which is my bank, has proceeded to freeze all access to my account. I have no ability to pay my mortgage or any other bills even though I have attempted to clear up the mistake. There is no fraud. I will be getting a new check in the future and reattempting the transaction. They refuse to do anything about it and I have no time frame on when I will have access to my funds.
Consumer complaint received 2024-08-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ReliaMax Holding Company (OH)

On XXXX XXXX2024 I applied and accepted a pay day /installment loan for the amount of {$470.00}. Ive since made XXXX payments XXXX the agreed installment amount of XXXX ( XX/XX/year>24 ) and todays ( XX/XX/year>24 ) pay off amount I borrowed ( {$350.00} )! I spoke with them after seeing I owed more than in original borrowed, and questioned how is that is there is NO penalty for early repayment! The representative just kept repeating that its not a penalty!!! I hung up and before I did I informed them that I will report them to Attorney General and you guys!! I tried to download on my phone the contract ( wont download for some off reason )! but, I included several screen shots! The first payment was applied to the balance ( {$2.00} ) XXXX dollars ( please pardon my language ) and the rest went to the exorbitant Principle/interests! All I want is to repay these clowns what they lent me and be on my way! Thank you!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JH Portfolio Debt Equities, LLC (WI)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One Auto Finance paid XXXX XXXX XXXX XXXX located in XXXXXXXX XXXX to repossess my car in the early morning. After finally being able to get an appointment time, they purposely made me wait over 1 hr to receive only HALF of my property. During the phone call when I was trying to get an appointment, the Supervisor XXXX who thought she had the phone on mute called me the XXXXXXXX lady and then the person who checks you in when you arrive named XXXX found that funny and laughed at her calling me XXXX when I arrived. After they purposely made me wait 1 hr, they asked for the key to get in my trunk, but my trunk is jammed so they told me to contact my finance company regarding the rest of my belongings stuff in the trunk. When I called Capitol One, the rep told me that I should file a police report and I was finally able to speak with a resolution personnel who spoke to my mom because the phone call became too overwhelming for me and she wasn't helping me. 

I am worried because I have paperwork and work uniforms in my car and I don't want those items to get in someone hands who will use my information/belongings in the wrong way.
Consumer complaint received 2024-06-03
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-07
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: Accscient, LLC (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-26
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

The amount owed is being charge at {$4000.00} when I reached out to the apartment manager they requested information to correct this mistake and to update the account. The amount was updated for about a week then it was returned to the old -incorrect amount. This feels like the company is doing some sort of scam. I do not owe {$4000.00} due to the XXXX reimbursement being applied. Any additional amounts owed is to be paid to another source NOT national credit systems. A representative directly from National Credit Systems replied and informed the manager/original creditor stating the account was fixed but its no longer reflected as such.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

On XX/XX/XXXX I made two transactions one for {$110.00} and another for {$320.00}. Later that day I had both merchants the payments were sent to refund them. They both immediately did and it shows Coinbase has had the money from the refunds since XX/XX/XXXX. It is now 6 days later and they tell me that the money was sent to me and they dont know why it isnt reflecting in my account. No timeline for it being fixed, only that I should await a reply from a specialist. Been multiple days and no reply. No money in my account and no help whatsoever from their support.