davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (VA)

Aidvantage keeps resending my payment. {$170.00} on XX/XX/XXXX and then {$340.00} on XX/XX/XXXX. And then they added a {$19.00} fee for late fees
Consumer complaint received 2019-06-03
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. (GA)

I have disputed the XXXX XXXX XXXX XXXX {$470.00} with the creditor and they have failed to supply me with debt validation through the Consumer Federal Protection Bureau # XXXX for this debt you are reporting on my credit report.
Consumer complaint received 2018-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (PA)

I purchased a vehicle in XX/XX/2014 through GM Financial. I received my first bill in XX/XX/2014 with a due date of XX/XX/2014. I made my payment timely but was then contacted and told my account was delinquent and I had a payment due on XX/XX/2014, and the XX/XX/2014, was my second payment due. I contacted GM Financial and explained to them that I never received a bill for XX/XX/2014 and the XX/XX/2014 was the first one I received which I paid on time. They told me I was delinquent and had to pay the XXXX payment. I told them it was not my error but theirs and I intended to make my payments on time starting with the one I just made and that they should just consider that Payment 1 since that was the first one they billed  me for. They insisted I make the XXXX payment. I told them if I could pay a double payment I'd have bought a more expensive car. I made 3 phone calls trying to resolve this and spoke to supervisors but I got the same response. They insisted I make the payment even though it was their mistake. I finally sent them a letter saying I would continue making my payments timely but I could not and would not make the payment they failed to bill me for. I have now made my 60 payments, every one of them on time, and they still have a balance due because they charged me a late fee every month plus interest. They have also now reported it as late to my credit reports, which they did not do until I made all of my payments.
Consumer complaint received 2023-11-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CT)

I received correspondence from the Credence collection agency stating that I owed {$1200.00} for an account belonging to XXXX XXXX XXXX XXXX. However, I do not know this account, nor have I given anyone permission to use my information for anything.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am in the process of applying for a mortgage. The XXXX, XXXX and Experian reportedmy mortgage inquiries assepartae inquiries. I submitted the mortgagerequeststo obtain the best rate all within a 45 day period. The credit bureaus arereoprtingthem as separate inquiries. I am allowed to shop for the best rate within a 45 day perod to reflect as 1 hard inquiry. The credit bureaurs arereporting the mortgage inquires as seprate requests which have resulted in my credit score being lowered by almost XXXX points. I want the credit bureaus to accurately reflect that my mortgage application inquiries should be reflected as XXXX inquiry in my credit score.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2018-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2018 Santander Bank removed without notifying me {$3400.00}. Seems someone claimed that they sent funds into the wrong account. Seems to me that anyone can make a claim of doing this but can they show proof. Seems that the banks do not demand some proof of this. Thereby creating a back door for scamming and thief. 
i have gone into my hangouts account and have printed a portion of my conversation with XXXX XXXX showing that the funds were sent to the account specified and to me. I have added those pages to this complaint. One must remember that there is no way to print out a conversation or partial conversation for hangouts. One must copy and past to XXXX or a writing  software. 

The individual to call and confirm is XXXX XXXX her phone number is XXXX It is a XXXX number. Seems the funds were put into Ms. XXXX XXXX 's XXXX account.
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/19 - I was trying to pay my mortgage for Bank of America online and a pop-up came up saying there was a breach from XXXX and BOA was recommending for me to do a free credit check and to click on a link. I did and it went to XXXX XXXX website who said they would run a free credit check from all the 3 main credit reporting companies. I gave them my SSN, DOB, email, phone #, etc and then a page asked for my credit card. Then I believed this to be a scam. I'm concerned that I gave them my SSN/DOB. BOA should not allow me to be scammed thinking they were breached and going to that website.
Consumer complaint received 2023-05-10
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I submitted a personal loan request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished loan threshold at Navy Federal Credit Union and was later denied credit. Had I known or had any transparency from NFCU I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. 

Remove hard credit pull from all three credit bureaus.
Consumer complaint received 2023-09-30
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. (NC)

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 the 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 that 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 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 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and 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 2 : It also states a consumer reporting agency can not furnish a 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.
Consumer complaint received 2018-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

Around the last of XX/XX/XXXX, XXXX from Portfolio Recovery called and said I owed on a XXXX XXXX Card. I told her that it was from Identity Theft. And I had already filed a report the Id theft report. And she said that she will report this in the case and start the process for me. 

So far, I have recieved 2 more calls attempting to collect the money owed. I emailed them all the paperwork they sent me on XX/XX/2018.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BMO Bank, N.A. (CA)

A purchase of {$190.00} charged to the card posted on XXXXThe purchase was or a XXXX XXXX XXXX XXXX XXXX  on the XXXX website . The product description was untrue because it said the XXXX could be plugged in to a XXXXXXXX XXXX XXXXXXXX but an electrician I had look at it said it must be hard-wired to the house wiring and would charge {$300.00} for it. The XXXX site said returns were free and when I contacted the 3rd party seller It's easy they wouldn't pay for a return. The XXXX weighs 28 pounds and XXXX said the return would be > {$50.00}. 
I wrote to BMO dispute department twice, first on XX/XX/24 and again on XX/XX/24 as described here. But haven't received any response.
Consumer complaint received 2024-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

They put my student loan account into something called administrative forbearance without any consent from me and have since then been accruing strange amounts of interest that I did not know about to the degree of thousands of dollars at this point.
Consumer complaint received 2018-09-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

I was on income driven repayment. After being on it for a couple years they said they required my actual bank statements and bills to enroll me in another year. I refused since I didnt feel comfortable. They told me I couldnt stay in the plan and my payments would increase. I said I couldnt afford it and wanted to work something else out. They wouldnt work with me no matter how many scenarios I suggested. They told me to cash out my XXXX or for my parents to take out a 2nd mortgage, which is super inappropriate. Ive been trying over the last few years to work something out. Several months ago they sent me an offer that was pretty close to what I could afford via mail. I called the number with no answer. I left several messages that went unanswered. My loans got sold to another company. Theyve called my work and harassed me. I never gave them that number not permission to reach me there. They XXXX me and found it that way. I stated my office number was not public and they didnt have permission yet they called again ( instead of my cell I gave them ) and I got in trouble at work. I told them to call my cell or email and they still didnt. Ive emailed them several times to try and work out the same deal I was given by the previous company. They refuse to answer me and have dinged my credit and are not willing to work with me. Please help. I have a XXXX illness but am not so disabled that I receive disability. This situation is exacerbating my illness and making me feel like theres no end in sight nor anyone willing to help
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

Dear Sir/Madam, I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this limitation has been placed on my account by mistake, and I would like to appeal this decision. 

First and foremost, I would like to emphasize that I have not violated any PayPal policy. I have always used my account in compliance with the terms and conditions outlined by PayPal, and I have never engaged in any activities that could be deemed inappropriate or fraudulent. Therefore, I believe that the permanent limitation placed on my account is unjustified and unwarranted. 

I would like to kindly request that PayPal re-investigates my case thoroughly and restores my account if possible. I am confident that upon review of my account history, PayPal will come to the conclusion that the limitation was placed by mistake. 

I understand that PayPal takes its policies and procedures seriously, and I fully respect the need for security and compliance in online financial transactions. However, I would like to point out that the limitation placed on my account has caused significant inconvenience and has negatively impacted my ability to conduct my personal and professional affairs. 

I sincerely hope that PayPal will take my appeal into consideration and will work to resolve this issue in a timely and efficient manner. I thank you in advance for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to TransUnion, and TransUnion responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against TransUnion as I am currently being denied credit due to this incorrect information. 

My initial complaint for your review : On XX/XX/XXXXXXXX  I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXX complaint. Transunion has been and continues to report a XXXX  XXXX XXXX  bankruptcy that is not mine. I have told them on multiple occasions, this was a XXXX XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by XXXX XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXXTransUnion has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

During the year of the XXXX XXXX pandemic I lost employment due to the severity of the impact. 
I did not have an income and therefore XXXX XXXX  reported my Credit card payments late even though mentioned they would have relief for affected individuals due to XXXX XXXX
Consumer complaint received 2018-09-16
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. (NJ)

Experian, XXXX and XXXX all have reported bankruptcy on my credit report without getting this information directly from the bankruptcy court themselves. They have required this information from a third party company and placed it on my credit report. according to the FCRA, this is not valid! I have been sending letters to all of the 3 credit bureaus on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018 I even sent the 3 credit bureaus a letter from the Bankruptcy court stating they do not supply the credit bureaus with this information and neither credit bureau will remove it from my report. They claim to do an investigation but if the bankruptcy court is not relinquishing that information to you, how can you legally and sufficiently record this info. from a third party entity or for that matter, do a thorough investigation in any case?
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (PA)

my name is XXXX XXXX I live in XXXX Pennsylvania .us bank, Pennsylvania unemploymentt, so called friends of mine and so on ... ... .I do know this alot of money was taken from me and a lot of people got a lot of money from what they would call a meal ticket ( me ) from XXXX of XXXX to ongoing XXXX still nothing has been done about it and I still am not giving up I have all the proof in the world but yet no one wants to help me I'm not giving up!!! my cell number is XXXX
Consumer complaint received 2018-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Management Services, LP (CA)

i received a extortion attempt from a company, CAPITAL MANAGEMENT SERVICES LLP, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX, demanding funds from me. This demand alleges they have been ENGAGED, ( whatever that means ) by XXXX XXXXXXXX XXXX to extort funds from me in the amount of {$4900.00}. I am acutely aware that if any alleged original lender, thus sold this debt to a debt collector, they also wrote off this debt on their TAX FILINGS, which relinquishes any and all obligations, i might have had to pay. This now becomes a criminal, extortion attempt for funds, im not obligated to pay, by this illegal enterprise, who surprisingly, no one signed this extortion attempt, taking any liablity, from this criminal enterprise. He who makes the claim, accepts the liability.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX which is the same company as XXXX which was paid off in XX/XX/2023XXXXI have lost my patience with this company placing negative information on my XX/XX/XXXX account and XXXX is allowing it.Every other week they are sending fraudulent information that I am delinquent on an account that was paid off on XXXXXX/XX/XXXX accepted a check from the title company on both loans they had opened in my name and one of the loans was a Forgiven Loan.Why are you all allowing both of these entities to place fraudulent information on my credit reports? I provided proof to you all the loans was paid in full. The title company has provided information, so my question is do I need to hire an attorney and file a lawsuit against someone in order to get this negative information off my credit report? Its sad when innocent consumers are battling against these predatory companies.Everytime I apply for a place to live that false information is hindering my ability to move forward with my life.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC (CA)

I am still on XXXX  I don't know why they have been charging me I still have a doctor 's note from my primary doctor and XXXX doctor so I don't know why they are charging me should be taken care of from my medical and Medicare thank you so much XXXX XXXX XXXX
Consumer complaint received 2020-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Residential Bancorp (ID)

Myself and my realtor has been working feverishly to sell my home in XXXX NV. The buyers mortgage company " Residential Bank Corp '' has missed contractual deadlines, and failed to close on the sell of my home on time. This has caused humility and embarrassment for me when purchasing a new home here in XXXX ID. I want to make a serious complaint against this mortgage company for not meeting contractual agreements, and fraud. Additionally, Id like to make a complaint against the buyers realty company as well for hiding information as to why the mortgage company isnt performing to banking expectations on closing my home deal. This was scheduled to close and fund on XX/XX/2020 and its not XX/XX/2020. I signed my ending settlement 14 days ago and sent money into escrow to close the deal.