davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I closed on a loan in XX/XX/XXXX. Insurance was paid for 1 year. Escrow was collect the next year but PennyMac didnt pay the insurance premium. Without any notification in XXXX or XXXX I received a substandard policy drafting twice from my escrow account totaling almost {$8000.00}. A policy on my home should be {$1100.00}. When I went to get a standard policy this year I was rated or paid an additional {$600.00}. Now PennyMac want to charge me {$600.00} a month for a year to replenish my escrow.
Consumer complaint received 2023-05-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo atm withdraw of {$1900.00} was taken when my card was stolen and reported stolen i than was reimbursed by the bank following a 10 day investigation. When investigating atm cameras where not reviewed and held me liable for stolen card and amount of {$1900.00} was reversed this happened around XXXX XXXX
Consumer complaint received 2023-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had a XXXX  so I was looking to get a house as well as loan and i saw i had damages on my credit report. I have numerous unauthorized charges and I have tried to get these issue resolved as they are affecting me. I am a single mom and this is hurting me big time I am not able to accomplish anything because my credit report has so many damages. According to the 15 U.S.C 1681 law there should not be any damages on my credit report as a defamation to my character
Consumer complaint received 2024-01-28
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 do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. These were not authorized. XXXX XXXX XXXX - Dated : XXXX XXXX XXXX  - Dated : XXXX XXXX - Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX via XXXX XXXX - Dated : XX/XX/XXXX XXXX XXXX XXXX via XXXX Dated XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Dated : XX/XX/XXXXXXXX XXXX CREDIT BUREAU XXXX XXXX Dated : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2018-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/2024, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX, MIDLAND CREDIT MANAGEMENT
Consumer complaint received 2021-01-17
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NAVY FEDERAL CREDIT UNION (FL)

I purchase a vehicle from XXXX XXXX. I am single mother with XXXX dependents and was sold a vehicle from XXXX XXXX dealership with the understanding that the car dealership was in the customer best interest. After driving the vehicle for a short period of time, the vehicle starting acting up. Then I started doing research after vehicle started messing up and found three recalls on this same vehicle which put me and my kids in danger. With this being, the contract was and should be considered unethical, which goes against the fair credit billing act. The car dealership also called my company for whom I'm employed with and started sharing confidential information concerning this vehicle. 

XXXX XXXX XXXX Recall Item Affected : AIR BAGS : SIDE / WINDOWDate Announced : XXXXDescription of Recall : XXXX XXXX XXXX XXXX XXXX XXXX is recalling certain model year XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX  vehicles. In the affected vehicles, increased resistance in the driver and passenger seat mounted side impact air bag ( SIAB ) wiring harnesses may result in the SIAB and seat belt pretensioners not deploying in the event of a crash.Action Need To Fix It : XXXX will notify owners, and dealers will replace the affected harness connections with soldered connections, free of charge. The recall began on XX/XX/XXXX. XXXX owners may contact the owner center at XXXX, XXXX owners at XXXX, XXXX at XXXX, and XXXX owners at XXXX. XXXX 's number for this recall is XXXX. Note : Vehicles repaired as part of Customer Satisfaction Campaign XXXX and special coverage XXXX have already had the subject condition repaired and therefore are not included in the safety recall. 

XXXX XXXX XXXX liftgate up when open. These struts may prematurely wear and the open liftgate may suddenly fall. 
Action Need To Fix It : XXXX will notify owners, and dealers will update the software for the power liftgate actuator motor control unit so that the motor will prevent the rapid closing of the lift gate, free of charge. The recall began on XX/XX/XXXX. Owners may contact XXXX customer service at XXXX, XXXX customer service at XXXX, XXXX customer service at XXXX, and XXXX customer service at XXXX. XXXX 's number for this recall is XXXX.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (MD)

I have a PayPal Synchrony Bank Mastercard. My account info was compromised so I called and they immediately shut down my account and sent me a new card with a new card number. All was well. 

I logged into my online account and all my history is gone. I can only see transactions since I got the new card number. It's as if it's a brand new card, with none of my years of history. With the exception that it shows that my account balance from the prior card carried over. And, now my payment is due in 10 days - I pay it off each month, and the balance is not small this month. 

Problem is, the statement associated with that payment went out with the old card number, so I can't access it online - since all the old info is gone. I didn't get a hard copy of it, since I was signed up for online statements. I called and they said that I'd never be able to access the old card 's info online, but they could snail mail me old statements, which will arrive within 7-14 business days ( my payment is due in 10 days ). 

I asked them to expedite me the statement or to postpone my payment due date so that I could see what I was being charged for before I make the payment. This is particularly important to me since my card number had been compromised and I don't know if there may be fraudulent charges. They said they can not do either of these things. I spoke with a supervisor and their supervisor and still nothing. 

Two other bits of information : 1 ) Prior to being told today that I would never be able to see the old credit card transactions online, I had called two prior times over the past a week or so. On both of those calls, they told me that information would transfer over and I'd be able to see the old card statements/transactions online and just to give it a couple days. That is quite different than what I was told on today 's call, where I spoke with three different people. 
2 ) There is no way to contact this company electronically. You must call. And when calling, the automated system is awful. It can not understand my problem and it works very hard and takes up a lot of my time trying to avoid connecting me to a human.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (TX)

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2024-02-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation (TX)

Ive asked the manager XXXX to stop calling my job or Ill get in trouble and she said she going to continue to call and harass me if I dont pay or answer the calls to my cellphone that this is there policy. I have been with them for years and they have never done business like this before but these are all new people that work there. Very rude and hesitated to answer my questions. I have never missed a payment ever.
Consumer complaint received 2024-02-19
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have had a Kohl 's account for over 23 years without missing a payment. On XX/XX/year> I received an email offer from Kohl 's to go paperless, which I accepted since I have many other account that are paperless and have had no problems with them. Shortly after that I made a {$15.00} purchase at Kohl 's expecting to get an email notice of my balance due like every other company does. But I never received any notices from them about any balance due, due dates or overdue balance. I leaned of this when I got a call from their rep asked why I hadn't paid the {$15.00} in XXXX months. Since this was the first I've heard that I had a balance, I worked with Kohl 's to pay the amount and they waived the late fees. I thought it was done, but I discovered that may decades old XXXX credit score had been ruined by Kolh 's reporting the late payment, even though it was caused by their negligence. I had to call several reps at their customer service line to finally get someone who said they could do an investigation. I later received a letter that they had investigated ( without contacting me for my side of the story ) and couldn't remove the late payments. Why should I be punished with a lower credit score for something that was not my fault? Since it was Kohl 's fault for not sending me a notice that I had a balance due I shouldn't be penalized for the short comings in their system.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}.
Consumer complaint received 2024-02-22
Product: Mortgage — Other type of 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. (CA)

Called Rushmore Servicing at XXXX to clarify a verification code sent at XXXX XXXX today to my text. I did not attempt to get online with this company at XXXXXXXX XXXX today. Although I have been working with Mr. Cooper sister company, Right Path mortgage servicing, to complete a loan modification for the last 11 months, since XX/XX/2023. When I asked for a representative at XXXXXXXX XXXX. Central Time on the phone this morning, the automated message said our " service center is closed, call during service hours Monday through Friday XXXX XXXX Central Time ''.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WA)

Transaction date : XX/XX/2024 Amount : {$50000.00} I initiated an external fund transfer using the XXXX XXXX  portal. Fund transfer was from XXXX savings account to XXXX savings account. The fund was deducted from the XXXX account on XXXX XX/XX/2024 but never credited to the XXXX account. I have called and messaged XXXX multiple times but have not received a proper answer. Initially, they asked for a document for verification, which I sent over email. Later, they told me that since the transaction had been pending for more than 10 days, they couldn't accept it. XXXX says they sent a Letter of Intent ( LOI ) to XXXX to accept the fund bank. I spoke to XXXX regarding LOI, and they seemed confused and told me they are unaware of LOI. XXXX also said that they can't do anything since the fund is with XXXX. However, XXXX filed a dispute for this transaction.
Consumer complaint received 2021-01-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MD)

I currently have been trying to close out an account with lakeview loan since the XXXX of XXXX. I sent in 3 checks to this bank which were accepted and cashed on XX/XX/XXXX for the full amount. Today is the XX/XX/XXXX and they still say I owe money. Infact on Saturday I was told I owe XXXX and now they say I owe XXXX. How is that even possible. I have spoken almost on a daily basis with no one to assist in this process but a run around. Please someone help fix this.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (NC)

In XX/XX/2023 Afni began contacting me about a hit and run on the interstate in GA. I explained they had the wrong information as I live in NC and was verifiably working on the day in question and had no damage to my vehicle. They continued to call daily. The informed me that I could go to jail since their was a police report. I called the county in question and there was not a police report nor had anyone contacted me or my insurance company about an investigation. In XX/XX/2023 I requested that Afni take my name off their call list. They said they would but the calls never stopped. Sometimes they call 4-5 times a day while I am at work. They have threatened jail and my credit.
Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

I received notification from Jefferson capital about a {$2700.00} debt I owed to XXXX. I have not owned a XXXX  account in over 10 years and the company no longer exists. I contacted them and asked for proof of the debt and expressed my frustration at this fraudulent attempt at collecting an undue debt. They said they would no longer inconvenience me about this and to disregard. They then reported it to my credit bureaus. They have not provided any evidence of the debt, the date of the debt or proof from XXXX that the debt is valid
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (IL)

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Consumer complaint received 2018-11-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

On XX/XX/2018 I filled out an online request on XXXX XXXX for a Home Equity Debt Consolidation Loan, and within minutes a Spokesman from Quicken Loans called me, and we started discussing a home equity cash out loan. He then connected me to a refinance loan so-called specialist who I immediately informed my situation to, and Asked him good and well ( CAN YOU HELP FOR SURE ) and I was given a yes indeed answer. I don't think he could tell I was XXXX-XXXX at that time, so I sent my personal info to him by email, and last years tax info as well and asked him to analyze before running my wife and mine Credit report as this was bery important to us as we had had some issues with a previous mortgage company and needed to know if there was a reason to go forward and therefore run our credit making a Hard Inquiry pull. He informed me that same evening that everything looked good, and he need credit report pulled to continue, now we were informed that all we needed was a XXXX credit score to qualify, and we exceeded that, so he said I will call back with interest rate and etc. to get paperwork started, but then he did call back and started that ... ... ..well we need to get credit a lil better so we may need some credit repair, this was a direct contrast Lie to what he told us, and I said we will not be doing no credit repair or pay for anything other than an Appraisal to be done, the not long after I said that, he called back telling us he can not do the Loan, even after telling us that everything was Good to Go with our initial qualification
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (SC)

Im currently paying on a Loan to a company ( XXXX ) for my vehicle that was bought from XXXX XXXX and Im seeing in a group on XXXX that they are repoeing everyones cars. Even if you are on time with payments. Ive always been on time with my payments and if this is whats going on I dont feel the need to continue paying if my car is going to eventually get repoed.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand that it is my right to obtain a copy of my XXXX XXXX under the Fair Credit Reporting Act. I am requesting a copy of my TransUnion XXXX report sent to me via mail.
Consumer complaint received 2018-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Voluntary CH-XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX.