davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2024-05-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC. (SC)

I have been trying to get Guaranteed Rate to approve my property tax exemption for being a XXXX XXXX XXXX veteran since last year. I have sent them my approval letter from the XXXX XXXX Department XXXX XXXX multiple times. I am still being charged for my property tax in my mortgage payment. Also, I was overcharged at the 6 % property tax rate last year ( XXXX ) but approved for 4 % and have been struggling to get them to refund my overpayment. The XXXX XXXX tax office sent the overpayment check back to XXXX XXXX  services for Guaranteed Rate and has been cashed. Guaranteed Rate has now notified me that they have raised my mortgage payment to pay back the shortage amount I already overpaid at the 6 % rate. 

Their response on XX/XX/XXXX, is... 
In reviewing your account, noted and speaking to our XXXX Department, you were approved for XXXX acre and XXXX building. The tax lines have been adjusted, no other changes are needed. Effective XX/XX/XXXX, your payment is {$3100.00}. With a shortage amount of - {$2800.00}.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-01
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. (ND)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 29 It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I was notified that the flood zone changed on my property and that i had XXXXXXXX days to obtain flood coverage. I did so and uploaded the policy to the site they requested. 
Despite my doing so, i received a letter stating that flood insurance was force placed by the servicer. I called and confirmed that they did, in fact, have evidence of the flood insurance but they are saying there is a 'lapse ' which is absurd because i had no way of knowing that the flood zone changed and immediately obtained the necessary coverage. They will NOT provide evidence that the forced placed insurance was cancelled. They say it can take XXXX weeks to obtain such evidence which is absurd since I am expected to get flood coverage immediately. The consumer has to follow the timliness standard but the servicer does not? This is outrageous.
Consumer complaint received 2024-05-14
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX I contacted via phone Merrill Edge at XXXX and spoke with representative XXXX XXXX of a discrepancy I noticed in my account activity. I believed there was approximately {$10000.00} missing in my latest transaction. XXXX investigated and found the culprit- {$10000.00} was withdrawn from my account balance to pay a margin fee. I was charged a {$1.00} American Depository Bank ( ADR ) fee in XX/XX/XXXX, which put my account balance in the negative and thus considered a margin balance. That {$1.00} ballooned to {$10000.00} in XXXX of XXXX! I was not aware of this fee at the time or any time in between then and today, XX/XX/XXXX and I asking for forgiveness out of the kindness of their hearts and hopefully a common sense approach. I requested to have this balance forgiven but was told by their representative, XXXX, there was nothing he could do. Despite a longstanding XXXX year relationship and have maintained a " preferred '' status due to my high account balance with Merrill Edge XXXX he informed me there wasn't anything he could do. I have now requested an in-person meeting with a Merrill Edge advisor and I will explain the situation to them soon as well. Between this, and filing a complaint with the Security Exchange Commission ( SEC ), I may also consult a lawyer to advise on my rights and options for recourse.
Consumer complaint received 2024-05-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I received an email from Nelnet XXXX XXXX XXXX in XX/XX/XXXX stating that my ( variable ) interest rate was changing within the next XXXX billing cycles. This is the way in which my interest fluctuates due to my repayment plan. A few months later, my interest rate went from just under XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. The fluctuation is due to what is going on with federal interest rates, which I understand. However, based on what I negotiated with the servicer ( Nelnet now Sloan Servicing ) I was supposed to receive a XXXX XXXX  reduction for XXXX  months of on-time payments. I was also to receive a XXXX XXXX reduction as an incentive for having my electronic payments automatically withdrawn. In the first call, the rep mentioned that all of the incentives had fallen off with the rate increase, but she could not tell me why. She agreed that the XXXX rate should be reflecting that XXXX XXXX incentive. After multiple inquiries, they did put the XXXX XXXX incentive back on, bringing my interest down to XXXX XXXX. XXXX representative told me that the reason the XXXX XXXX dropped off because I made a " late payment '' in XXXX. I requested a copy of my payment history from Nelnet, which they provided. Payment history provided by Nelnet to me is attached. Please note that the payment history begins in XXXX. Where is the documentation/proof indicating that I missed a payment in XXXX? Also, why is my incentive being revoked XXXX  years after the fact?! Something does NOT add up.
Consumer complaint received 2023-04-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-07-03
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. (FL)

I, XXXX XXXX am writing to complaints on wrong informatin on my credit report. Following addresses are inaccrate and not my current ot correct addresses : XXXX XXXX XXXX XXXX, FL. XXXX, XXXX XXXX XXXX XXXX, NY XXXX, Following inquiries are on my report that were not applied for by me : 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 2023-09-25
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC. (NH)

I had submitted a claim from XXXX XXXX XXXX account for {$770.00} on XX/XX/XXXX. I received a check soon after and I thought I was all set. As we know, the XXXX funds must be spent within the XXXX 's plan year. I was sure that I had spent all the funds. 

But now, when I am checking again, it looks like I still have {$770.00} left on my last year 's XXXX XXXX XXXX account and I am left with no option to do anything with that amount as the claiming period already ended on XX/XX/XXXX. 

At the same time I can see in the transaction history that there was deduction of {$770.00} from XXXX on XX/XX/XXXX. 

So, it is a double whammy - My {$770.00} from my XXXX XXXX XXXX are lost and XXXX account has got a wrongful deduction of {$770.00}.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX SS Number : XXXX My name is XXXX XXXX and I am writing you about my account which I have posted above. When I firs got this credit card, I was very irresponsible and did not do my best to pay on time. The effect on late payments on my credit report has truly been a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles. 

We are about to shop for a mortgage, and it has come to my attention that the late notations with you may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with you, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption with your company, and I beg you for such consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My father and I had an account that was closed XX/XX/XXXX for {$700.00} over a dispute that was due to XXXX, also a fraud company that did not provide services to us. Capital One charged us $ XXXX for the services and we settled for {$700.00} because it was back and forth of calling them over 30 times in the last year from XXXX over this issue that we no longer wanted to deal with them anymore. After settling the account, they continued to hassle my father with snail mail asking for {$900.00} more continuing for the following two months after we settled every week, even though balance had already been paid. I am asking that they stop sending snail mail and emails to my father who is a XXXX and does not need the anxiety of having to deal with the terrible and poor customer service weve received since using the card over the last year. Every time I call them they say I dont have authorization because Im not the primary cardholder and even when my father calls they say that he cant do anything because its a closed account and they continue to send him mail to try to get more money! This has to be stopped! Please help us by getting Capital One to stop sending my father charges for accounts already settled. No more emails and no more snail mail! I would even ask for the {$700.00} back that they took from us to settle the account for services not rendered!
Consumer complaint received 2024-05-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: SANTANDER HOLDINGS USA, INC. (TX)

Hi, My vehicle was in an accident in XXXX and has been inoperable since then. I told Santander of this back in XXXX but they did not put any extensions and it is being reported negatively.
Consumer complaint received 2023-09-01
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$340.00} XXXXXXXX XXXX XXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$7200.00}
Consumer complaint received 2024-05-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (AL)

XXXX ( XXXX XXXX ) input a loan for a roof, the loan was approved for a lower payment in the porthole I signed for and now a payment notice was received for a higher payment. Request copy of loan approved in porthole and get sunlight to honor the lower payment approved.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second 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 an alleged fraud or extortion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$330.00} XXXXXXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX.
Consumer complaint received 2024-02-02
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. (OH)

I recently check my credit and seen accounts that I did not recognize. These accounts were : XXXX XXXX XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX  XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023.
Consumer complaint received 2024-05-14
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (NC)

My house was replaced via the XXXX XXXX XXXX program in XXXX  due to extensive damage from XXXX XXXX. I have made several attempts for Shellpoint Mortgage to stop placing lender home insurance on a house that have been torn down. I agreed to continue to pay off the mortgage on the loan for the house that was torn down and have not been late in doing so. However, I think it is nonsense to pay insurance on a house that no longer exists. I have been paying lender placed insurance on a non existing house for almost XXXX  years.
Consumer complaint received 2023-09-01
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. (NY)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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 inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

XXXX XXXX Collection {$0.00} XXXX  XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$0.00} XXXX XXXX XXXX Charge-off {$0.00} XXXX XXXX Foreclosures {$0.00} Please see the attachment as I have analyzed everything on my credit report!!!
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC (GA)

In XXXX of XXXX, I received a call from Global advising me that I owed a lump sum amount of over $ XXXX because I was at the end of my term for the lease. The rep informed me that I needed to pay it all at once. I asked how is this possible because I dont have {$3000.00} laying around. She said because I got my loans deferred a few times, it pushed my notes back. i agreed, I did pushed my loan back but that doesnt mean I owe everything at one time, the deferments are just that, deferred for another month, which was actually years ago. Ive never paid late. Ive always paid on time. Starting XX/XX/XXXX, they reported late payments on my account. Ive asked to speak with her supervisor who informed me that thats how it works. I have no choice but to pay everything but they said I can pay in monthly installments as I did with my loan which was {$420.00} a month. They continue to report late payments even though Ive paid on time. They said that they have to until its paid off. Its not only impacted my credit but also my ex-husband because he signed the loan with me. They are destroying my life and this is one of my oldest accounts.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

For XXXX XXXX Recently , I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have done pre approval applications and regular applications through Capital One which are all denying as " Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement '' - I do not have any capital one accounts other than an auto loan which I obtained in XX/XX/year> with no issue and has never been late. I have previous issues with fraudulent capital one accounts many years ago, one of which was closed due to fraud and the other account they would not close even though it was opened at the same time and with the same information as the fraudulent account. With that being said both of those cards are entirely too old to be effecting me obtaining a credit card according to FCRA guide lines. There is also no outstanding or negative capital one accounts on my credit. I believe Capital One is denying me without reason and against my rights as a consumer.