davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
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. (MO)

I reviewed my consumer reports and noticed that i had 9 late payments on an account that i was, never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated immediately to paid as agreed on time as they should be due to the fact i was never late within 10 business days. Thank you so much for your time.Please see screenshot attached :
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (AZ)

My Borrower Defense discharge was finalized, and my refund has been sitting at a negative balance with Mohela for several months. I have requested a refund, and their customer service agents claim not to know why my account has not been processed. I submitted correspondence online on XXXX XXXXXX/XX/XXXX and XX/XX/XXXX, each time asking for an update or resolution. I called to follow up several times, and have not received any update. My case number is XXXX # XXXX. I was told to allow 14 business days for a response back on XX/XX/XXXX. I finally received a response on XX/XX/XXXX XXXX and they responded that they saw I called in, so they would ASSUME my issue is resolved. 

It is not resolved, and my balance is XXXX for several months now. This is my borrower defense refund, that Mohela refuses to complete processing for.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

Yes I have some on paperwork show XXXX  about {$400000.00} XXXX stolen from me I like my cash back and I'd like you to look at these fraudulent paperwork and they wouldn't check the dates I said it was XXXX XX/XX/XXXX or XXXX to the end and this last month or two months in XXXX XXXX paperwork says they can pretty much steal from me throw my deposits out not ship deposits from me or anything do whatever they want I'd like to go to look at it and I like my money back from the other times get don't
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (CA)

As of today,XX/XX/2024, I received notification from XXXX that the information contained in my credit report regarding Freedom Mortgage is accurate following a credit reporting dispute. However, I have communication from Freedom to the contrary. No foreclosure action has been initiated on my account. Furthermore, my account was current up to XX/XX/2024 per communication from CalHFA in XX/XX/2024. I do not believe that XXXX investigated my dispute. XXXX continues to obstruct my right to dispute the information contained in my credit report. This is not the first occurrence. I have not received any evidence of a valid investigation. Furthermore, I no longer feel comfortable providing additional information to XXXX for a reinvestigation in light of how my previous disputes have been handled with Freedom and other creditors listed in my credit file. This continued practice is in violation of the FCRA and does not promote accuracy, fairness, nor protect the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Your assistance, implementing proper enforcement and achieving a fair resolution are greatly appreciated.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

The company has completely ignored my demands for validation of the alleged debt they claim belongs to me and has instead sent me a paper instructing me to file a fraud claim with the original company when I sent a certified letter asking for validation of their claims. This company continues to report this alleged debt to the major credit reporting agencies, damaging my credit report, even after I directly disputed the ownership. I am now forced to pay more money to file a civil lawsuit in my local federal court for damages and direct violation. This company has repeatedly violated my consumer rights and ignored federal law costing me loss opportunities, time and money.
Consumer complaint received 2024-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (TX)

I received my first notification of my loan payment confirmation via email from CarMax XXXX today XX/XX/year>. In this email they sent, it contained my full bank routing number and my account number. I have called several times and they claim they can't remove the routing number from the emails which I believe is a violation of my privacy rights. Anyone who is capable of hacking emails can have access to my bank account by disclosing my personal information. This is very irresponsible on the part of CarMax XXXX. No one can give me an answer as to why it can't be removed from future emails from them.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

in response to report # XXXX for XX/XX/XXXX I requested corrections be made to my credit report that were inaccurate then received letter stating that they don't believe that was sent in wasn't me. on XX/XX/XXXX I called Experian about this letter they stated that I have to send in my dispute again because they don't believe it was me when I sent in my license a letter from the IRS bank statement birth certificate proving who I am and the only address that I should be associated with. I am aware that this stall letter is nothing more than a way to finagle more time
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

I wrote a check to the IRS in XX/XX/XXXX, payable to US Treasury. I brought this check inside the Post Office, not in any mailbox. 
In XXXX the IRS sent me a letter asking for payment, plus penalties and interest. I paid them again. 
I asked PNC Bank to investigate on XX/XX/XXXX. They said I would be reimbursed at the end of their investigation, which could take up to 120 days. 
My checking account was attacked after that multiple times, causing me to close it and open a new one. 
The 120 days ended and I was not reimbursed. I was then told it was 120 business days. 
The 120 business days ended on XX/XX/XXXX, and I was still not reimbursed. 
Their only answer is that the investigation is still " in progress ''.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

LVNV/RESURGENT IS ILLEGALLY ATTEMPTING TO COLLECT DEBT WITHOUT A LICENSE TO COLLECT IN THE STATE OF GEORGIA ON ACCOUNT : ( XXXX XXXX ACCOUNT XXXX )
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NJ)

Due to MOHELA 's website incorrectly processing my payment from XXXX 2023, they have placed me on a processing forbearance with me unable to continue making payments towards my XXXX XXXX XXXX XXXX. 

Once I talked to MOHELA about being removed from forbearance, they said it would take at least 60 days for them to process it. 

It is not fair to me or other consumers to pay the consequences for MOHELA 's systematic failures.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

This letter is to formally notify you per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. DISCOVER BANK is a financial institution by definition under 15 USC 6801. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' DISCOVER BANK the financial institution and the Consumer reporting agencies XXXX, XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, XXXX and DISCOVER BANK whether it be verbal, non-verbal, written, implied or otherwise is revoked.15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' DISCOVER BANK never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting this account out of your reporting services effective immediately.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXXXXXX XXXX XXXX XXXX has not removed an unauthorized hard inquiry or illicit inquiry even though it said it would to all credit bureaus and the FTC/CFPB. 

Please notify XXXX XXXX XXXXXXXX XXXX to do the right thing and remove the unauthorized hard inquiry from Equifax. Equifax also confirmed that XXXX XXXX XXXXXXXX XXXX is illicit.
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Atlanticus Services Corporation (GA)

I had woken up and checked something on my phone. After being on my device for about 5 minutes, I received a text message from Aspire about my credit card payment being due at XXXXXXXX XXXX. I am on the way coast so there is no reason why I should have received this message at this time of night. It's like they knew I was on my phone.
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TN)

My complaint is against DovenmuehleXXXX XXXX My original mortgage loan was with XXXX XXXX for {$630000.00} on XX/XX/. It was later transferred by XXXX XXXX to DovenmuehleXXXX XXXX XXXX shows the loan received as {$630000.00}, but input the principal balance owed at {$730000.00}. I never accepted additional money nor signed for additional loans from them. They have been given multiple documents supporting there mistakes and are dragging their feet to fix this error. I am currently in escrow to close the sale of my house and can not complete due to this {$100000.00} error.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc. (OK)

I am current. Account is open with 1 payment remaining. I get a notification from XXXX that Sunbit reported my account as Charged Off/Bad debt. I contact Sunbit via Email, and received a response on XX/XX/year> that they are not going to correct it and they are closing my complaint. I replied and informed them this is wrong and I am filing a complaint with CFPB. No response from company. 

On XX/XX/year>, I received an email from Sunbit that my account could be charged off if they dont hear from me. I immediately responded and made a Promise to Pay for XX/XX/year>, my paydate. I received a response notifying me they will update the account and thanking me for the reply. 

I kept my word and paid to get current on XX/XX/year>. On XX/XX/year> Sunbit emailed me thanking me for payment and informing me I can manage my account online. 

Then on XX/XX/year>, I get another email stating my payment due XX/XX/year> is late and they are willing to work with me, they get it life happens it says. But I had already paid via debit card. 

On XX/XX/year> I get a email payment reminder that my payment is coming up. 

Clearly my account was not charged off, and not closed.
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.
Consumer complaint received 2024-02-25
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: Phoenix Financial Services LLC (CA)

My XXXX  credit report has been viewed without my consent. I do not recognize this company : PHOENIX FINANCIAL SERVIC Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX
Consumer complaint received 2024-02-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TN)

XX/XX/2023 : charged XXXX to XXXX card. Sent payment of XXXX through my online banking to Community Capital Bank on XX/XX/2023. XX/XX/XXXX, I spoke with representative to dispute claim of amount owed of XXXX. States payment not received. 
XXXX XXXX : Went to my bank and spoke with teller at window for assistance with filing electronic transmittal form ( request of representative from XXXX ) The teller was unable to assist with this so I returned to the bank on XXXX and spoke with a relationship banker. He verified that the check from online bill pay was sent. 
XXXX : During this time I was disputing the claim and following instructions from my banking online and communication from Comenity Capital Bank. During a 3-way conversation with online bill pay representative, CCB representative , and myself I was asked to give the full credit card number which I did. I was informed that " one number was wrong and it has been updated thru my online bill pay account ''. A new check was sent from my bank to CCB. However, my prior payments have always been processed successfully. I closed my account thru correspondence with CCB after paying a late fee of XXXX XXXX XXXX. The late fees continue.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

Payments were made on time. Payment made to the principal that the company did not accept as a real payment and then payment went into 30 day late status even though the payment had been made. Company refuses to acknowledge this as a payment because it was made under the apply to principal option.
Consumer complaint received 2024-02-24
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (PA)

Back in XXXX I used to rent rooms in my home. I had XXXX roommates. I found out XXXX of them use my information and also his mother information to open up accounts and cell phones. Me and his mother both reported him I mailed both of the devices back to XXXX I spoke with someone in their executive department And they said they would credit the account for the bill. The devices was mailed back to them then sent the debt to Jefferson system LLC, which is a debt collector which uses fraudulent tactics to try to collect debt that was already resolved. They reported to the credit card company and credit karma Doesnt do a proper investigation. They allow companies like them to damage consumers credit by adding in the leading this debt throughout the years I have uploaded a few emails between me and the individual name, XXXX XXXX. That was the executive specialist at the time because I reported this back in XXXX when it first came on my credit report, I filed the complaint with a XXXX XXXX XXXX thats why the specialist from XXXX reached out to me to resolve the issue so Im not sure what happened between XXXX and Jefferson Capitol system but theyre creating false death and fraudulent documents. These are tactic they try to use and scam money out of people to keep their business afloat. Many consumers throughout the world have complained about this company and we cant see why. Legally, they are still operating in the state of Pennsylvania. A credit reporter only can be on there for four years after that the report to post to drop off knowing that XXXX allowed another individual to order phones and services Without proper confirmation so I am reaching out to the FTC for assistance because this company is doing this to XXXX  of consumers. If you go on the website and read the reviews and all the complaints between the consumer protection and with a XXXX XXXX XXXX They just added this debt to my credit report XX/XX/XXXX they knew income tax season was coming up and they added it that like it was a new debt like it was just opened so I need assistance with this issue because this company refused to work with any consumers the individuals that work for them. Hang up on you when youre asking for a copy of documents, they put you on hold and dont come back on. Theres a man and woman that goes back-and-forth answering the phone so I need assistance to resolve this issue starting in XXXX this is XXXX. And if theyre saying they never received the devices. Why didnt they never reach back out things get lost in the mail, but this whole situation is unreal. XXXX and Jefferson capital system is doing financial bad in their economy so this is their tactic for financial gain to stay afloat in the economy.
Consumer complaint received 2024-02-24
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have XXXX unauthorized credit inquiries on my XXXX report as of XX/XX/2023 : XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] XXXX XXXX XXXX [ XXXX ] I called the respective above numbers as seen in my credit report to enquire the reason for the inquiry. However, they kept redirecting me to another department and they could not find this hard inquiry in their record checked using my SSN. Some of the creditors were unreachable as well despite I made multiple attempts to connect with them.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA (MI)

I received the enclosed letter from Marcus Goldman Sachs GM credit card, suggesting that I'm in a FEMA disaster area and I am having trouble paying my bills. I doubt that I'm in a FEMA disaster area because there has been no disaster in XXXX XXXX, and I have not used this card in a year. The company said they did not know about the letter. I'm enclosing a copy because I find the whole affair very suspicious. 

Letter is dated XX/XX/year>.
Consumer complaint received 2024-02-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (TX)

GM Financial after receiving the XXXX affidavit, to claim the exemption of property tax as the vehicle owner, are trying to charge the client the tax improperly billed by the State to them as the vehicle owner. The affidavit needed by them to present the exemption application was sent since the first year of contracting the Lease. Proof of that are XXXX statements with no charge for property tax. 
The agents representing GM Financial by phone, while calling to dispute the charge, XXXX times confirmed receipt and were going to adjust, which has not been done. After the calls a letter claiming the tax was received, and answered pursuing Tax Code section 11.252 GM Financial either omits including the vehicle, in the list to claim exemptions for personal use, to the State, or was billed incorrectly, and must dispute the charge with the State of Texas. 
There is no responsibility for the client, since he is not the vehicle owner, to claim the exemption with the state, or dispute the charges. 
GM Financial must adjust the billing immediately instead of trying to neglect their own responsibility for omission, negligence or being billed improperly by the State.