davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERAL PROTECTED CONSUMERS RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681 XXXX ACCOUNTS : XXXX. XXXX  XXXX XXXX  XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX VIOLATED MY RIGHTS. ACCORDING TO THE FOLLOWING : 1. 15 U.S.C. SECTION 2 ( A ) STATES I HAVE THE RIGHTS TO PRIVACY.

2. 15 U.S.C. 1681 SECTION 604A ( 2 ) IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

3. 15 U.S.C. 1681C ( A ) ( 5 ) SECTION : STATES NO CONSUMER REPORTING AGENCY MY MAKE ANY REPORT CONTAINING ANY OF THE FOLLOWING TERMS OF INFORMATION ANY ADVERSE ITEM OF INFORMS OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

4. 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS ACCURATE.
Consumer complaint received 2023-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Subject : Dispute with XXXX XXXX  - Case Number : XXXX I am writing to provide a description of the disputed transaction, as requested, without including any personal information. 

The disputed transaction initially occurred on XX/XX/2023, with XXXX XXXX, with a charge amounting to {$37.00}. The reason for this dispute is related to the fact that I have not received the merchandise/service that was supposed to be provided to me by the expected date, as initially indicated by XXXX XXXX XXXX 

On XX/XX/2023, the charge was adjusted, suggesting a resolution to the dispute. However, on XX/XX/XXXX, the same charge reappeared on my statement, but this time under the merchant name " XXXX XXXX XXXX CA XXXX XXXX. '' I had not authorized this charge, and it further compounded my concerns. 

Furthermore, on XX/XX/XXXX, the credit card company issued a " PURCHASE ADJUSTMENT, '' which indicated that they were attempting to rectify the situation. Despite these adjustments, the core issue remains unresolved, as I have not received the expected merchandise/service, and the charge continues to appear on my statement. 

Upon noticing the reappearance of the charge, I promptly took the following actions : I contacted XXXX XXXX  customer support again to inquire about the unauthorized reappearance of the charge and the continued non-receipt of the merchandise/service. 

During my interaction with XXXX XXXX  customer support, I reiterated the situation, emphasizing that the merchandise/service was not delivered within the promised timeframe. 

I also provided XXXX XXXX  with all relevant details and information related to the transaction, including the date, amount, and any supporting documentation they may require. 

Despite my continued efforts to resolve the matter directly with XXXX XXXX, I did not receive a satisfactory resolution or a refund for the charge related to the undelivered merchandise/service. As a result, I initiated this dispute with Capital One to seek a fair and just resolution for the unfulfilled transaction and the unauthorized reappearance of the charge. 

I hope this updated description provides the necessary information regarding the disputed transaction, the adjustments that occurred, and the specific reason for the dispute, which is the non-receipt of the expected merchandise/service within the promised timeframe. If you require any further details or have any questions, please do not hesitate to contact me using the provided contact information. 

Thank you for your assistance in addressing this matter.
Consumer complaint received 2024-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

Upon reviewing my transaction history with Navient, I found {$4500.00} in interest charges beginning XX/XX/XXXX, and continuing through XX/XX/XXXX. It was my understanding that interest was not to be charged during this time. I was also making payments during the majority of that time.
Consumer complaint received 2024-01-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/ I surrendered my XXXX XXXX XXXX after XXXX agreed to repurchase my vehicle as it was deemed a Lemon. XXXX did appropriately reimburse me for payments made, minus usage ( XXXX days/XXXX  mileage worth ). I was told to cancel and request refunds from the dealership regarding the maintenance and lease protection contracts not covered by manufacturer for Lemoned Vehicles. I made this request minutes after surrendering the vehicle while at the dealership. 
XXXX XXXX I had to go in and follow up, wondering where the near {$3400.00} ( one for {$1500.00}, one for {$1900.00} ) in said refunds were. 6 weeks after filing the forms. The dealership claimed they had no knowledge of any such cancellation. Further inspection and requests and my following up, I discovered XXXX XXXX XXXX and Ally Financial submitted the wrong paperwork and had shorted one refund about {$660.00}. The other {$1500.00} contract still no one is aware of. 
It has now been 70 days, and I am reaching out every day to find a status and update. Ally has not responded or replied in 2 weeks. Theyre still looking into it. 
I am aware and understanding of prorating the refund and adjusting for the 13 days of usage before the vehicles 1st service for the issues it was lemoned for. That prorating would still leave my refunds about {$1400.00} and {$1900.00}. I have only received one check for {$1300.00}. This was the misrepresented refund for the {$1900.00} contract. Ally has been working to process the supplement, but seem to only have produced {$620.00} of it. But that check has not been issued yet as of today, XXXX From my experience and belief, I feel they are doing whatever they can to wrongfully withhold my owed money.
Consumer complaint received 2023-09-08
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial (FL)

Koalafi lent me XXXX through XXXX to repair my car in XX/XX/XXXX and on XX/XX/XXXX I had already paid XXXX covering the credit in its entirety and with a higher value, I contacted them by phone to settle my credit and they told me that I must continue paying until XX/XX/XXXX, in this way they would be charging me an interest of approximately 110 %, It seems unfair and exaggerated and if I don't continue paying they will ruin my credit.
Consumer complaint received 2024-04-21
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

XXXX passed away. Called carrington mortgage and told them. They gave me info regarding how to proceed with reverse mortgage payoff being I was the heir to property. I sent them all info regarding real estate agent and listing. I called several times as we were suppose to close on house but things were pushed back do to buyer. I received letter dated XXXX XXXX. ( attached ) that stated I had until XXXX XXXX to send in documents being I asked for extension. The house sold and closed XX/XX/2023. On XX/XX/XXXX I was served with foreclosure papers! And they added a {$2800.00} fee onto the ending balance due. I called SEVERAL times and everyone was SO RUDE! I want my {$2800.00} back. I followed thru on my obligations as heir to a reversed mortgage house. In LESS 4 months the house was SOLD and PAID IN FULL. Letter from carrington is attached. I was in contact with them several times. I have read that MANY PEOPLE ( especially heirs ) have had this happen to them! ) They knew the house was up for sale ( I sent them info ). They knew we were closing as soon as buyer was set.
Consumer complaint received 2023-06-19
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: Experian Information Solutions Inc. (GA)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023 I got paid and received son 's XXXX, I paid rent at our new apartment at the XXXX, XXXX, Texas had to use checking account and routing number otherwise there is a large fee for Debit card use. The amount was {$890.00}, my balance was {$1500.00}, I also paid my electricity bill with XXXX XXXX {$65.00}, XXXX {$69.00} and XXXX XXXX XXXX ( Gas ) {$62.00} and credit card {$30.00}. 

Bank of America processed the same day, XXXX XXXX and XXXX but they did not process my rent, gas or credit card payment and on XX/XX/2023 a payment hit my account I did not authorize from a company called XXXX  for {$200.00} & {$200.00} a total of {$410.00}. I immediately contacted BOA the morning of XX/XX/XXXX when I discovered this merchant posting and filed a claim, it was pending still. The agent said she'd stop the payment and file a fraud claim and I'd get a temporary credit. 

Today, XX/XX/XXXX, I looked at my account and my bills had processed, my rent, gas and credit card and I had {$46.00} in my account, I went into the lobby of the BOA here in XXXX, Texas, XXXX, Texas near my new apartment and withdrew {$20.00}. I knew my balance was low but I was happy my bills were paid. I paid them all on the XXXX but XXXX XXXX, any holiday, BOA messes up processing some payments. 

I contacted XXXX  the merchant and told them I never gave them authorization to charge my account and she said it was from when I put in information from old school bookstore account and that my rentals were late. I told XXXX, XXXX that I used a Book Voucher of {$300.00} my Financial Aid at school ( XXXX XXXX  ) and we had the option of keeping our book which total about {$200.00} for two books or less, but now the school has taken down the XXXX website because XXXX bought them and the rules are different. I don't see the FAQ that provided previous information nor my account or order history. The XXXX said they'd charge my account 4 times and they don't make the prices of textbooks but online new information it says if lost or stolen the books would be upto 75 % and 7.5 % late. Then she said they already were paid the {$410.00}. 

Now at XXXX BOA sent me an email saying my Rent payment, previously processed today XX/XX/2023 would be returned and I'd have a negative balance. Meanwhile the credit is still their from the fraudulent payments of {$410.00} but they're going to let my rent payment bounce and I paid all bills on the XXXX. 

We just moved here XX/XX/2023 to an XXXX unit for my XXXX son, I am his caretaker and we can't be late on rent and rarely if ever are. BOA does this all the time they take days to process payments but if I go to XXXX or XXXX 's and use my Debit it comes out immediately. So please help. Seems as though they are trying to make us pay more.
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX keeps stating there is a balance they updated the balance 5 times saying they are reporting correctly yet after the 5th complaint the State government told them they are reporting incorrect now they say they made a mistake and reported the balance by mistake 6 times now its time yo delete
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 usc 1681i ( 5 ) XXXX XXXX XXXX I dispute the account but all 3 offices say account accurate how is it accurate how did you verified it
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (FL)

My property went into foreclosure and earlier this year I applied for a loan modification that I CAN afford but my servicer, Shellpoint, denied it claiming they never received my financial statements that I have proof I sent them. This is a horrible company! 

Then over a month ago, we requested documents from servicing file from Shellpoint that I allowed to have under TILA. They keep giving me the run around. 

All I want to do is keep my house!
Consumer complaint received 2023-05-06
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. (TX)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX  XXXX Balance : {$610.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc. (VA)

NCB MANAGEMENT SERVICE- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX  I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MO)

It seems in XX/XX/2023, EdFinanical sent either a letter or an email to me indicating that they were changing their systems and as such had created a new account number for me. I don't remember receiving said letter/email but I admit I might have missed it. I can't tell you if it was a letter or email but I have been told by the company that I have gotten both but they can't provide a copy of it. Because of this missed communication, my payments from XXXX, XXXX, XXXX, XXXX and XXXX have not been applied to my account. I discovered this on XX/XX/XXXX and called the company and was told, if I could provide proof of the payments they could put in an escalation to process my payments faster. I faxed over this information on XX/XX/XXXX and called again on XX/XX/XXXX to confirm receipt. I have called back several times asking for a supervisor because all the call reps can tell me is that payments will be applied within 120 day ( sometimes 120 business days ). I got a call back from the supervisor and she was also going to escalate it. I didn't hear back from her again. I then sent a letter to the CEO and put in a complaint with the XXXX  so then the call reps wouldn't talk to me to except to say that a response would be sent. The response was be patient we have the records for your XXXX thru XXXX payments and they would apply them as quickly as possible. I responded to that complaint with they were missing my XXXX payment and they haven't replied. I called last week and requested a supervisor call me back. I never received a callback. I have also requested a copy of my full payment transcript as they changed systems and I no longer have access to that information. I have never received that information either. It is now past the 120 days for the XXXX payment and it still hasn't been applied. I don't understand why it is taking so long to apply electronic payments when I have provided them with the dates, amounts and tracer numbers. I have also been told that they never sent out any additional letter/emails when they received payments with bad account numbers. They now have {$850.00} of my payments that they have yet to apply and their only response is be patient. I am tired of being patient and talked down to because they didn't bother to create a system that when payments were received with an old account number on it that they could easily find the new account number. I am also tired of being patient when I have provided them the information that they requested, are ignoring it. All I want is my payments to be applied in a timely manner and at this point XXXX from the date each payment was made is too long.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My identity was stolen some time in late XXXX. However, I was not made aware of this until my credit score went down some time in XXXX and I began to receive payment notices for cell phones I never had as well as non-payment notices for a Bank of America credit card. I immediately filed a complaint with the FTC and the local police department. Additionally, I put a credit freeze on my file. The people who stole my identity opened a XXXX XXXX account with Bank of America and stopped making payments on this account. Bank of America reported non-payment to the credit authorities which negatively affected my credit- they also attempted to get payment from me. I called Bank of America numerous times but they would not give me any information because they said that the account was now closed. They refused to transfer me to the Fraud Department since I could not provide them with a full account number since I never opened the account to begin with. On XX/XX/XXXX I went in person to the branch in XXXX XXXX ( Exact Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) where I spoke to a XXXX XXXX ( XXXX XXXX at the XXXX XXXX in XXXX XXXX ). I gave him all my identification and he said it was obvious they account was fraudulent given that they had also opened a checking account where they tried to cash stolen checks. He provided me with account statements from the fraudulent card. He called the Fraud Department at Bank of America with me in his office. They refused to resolve this over the phone and send they would send me paper work so that I could send them my police and FTC report. Instead, I received notice that they had investigated and closed the investigation. I then sent them certified mail using the FTC form with copies of my police report, FTC report and proof of my identity. This was sent on XX/XX/XXXX and though I have proof that it was delivered I have received no response from them. They do not want to record the loan as a loss which they would if they reported it as one opened due to identity theft.