davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Scott Fetzer Financial Group Inc. (CO)

The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

I attempted to pay the company that owns my apartment in the amount of {$310.00} on XX/XX/XXXX for fees associated with my living space. On XX/XX/XXXX, the money was re-added to my apartment 's list of charges, along with a Non-Sufficient Funds ( NSF ) fee of {$100.00} added onto it. Checking back later, on XX/XX/XXXX, I found that I now owed {$430.00} as a result of the company not receiving the previous funds, the NSF fee, and late fees. I immediately attempted payment again, only for the same incident to occur again today on XX/XX/XXXX, with another NSF fee applied, resulting in {$530.00} being the money I now owe. On both occasions, I attempted payment with XXXX. 

Panicking, I check my bank statement to find when I sent in the money. I vividly remember having the appropriate funds prior to paying the landowning company on both occasions, and when checking my balance after, I found that the amount of money I sent in was missing from my account. However, I can not find the money listed anywhere on my account. 

I had called the number on the back of my US Bank XXXX XXXX for assistance, and was told by the agent I reached that the transactions never occurred. When I asked where my money went then, the agent avoided answering directly, and suggested I speak with the merchant I paid. I then discussed the problem with my leasing XXXX, who stated that most tenants in the building I live in pay their bills with XXXX, and that no one else had this issue. 

I am now missing {$740.00}, and I can not find when or where they went on USBank 's XXXX XXXX site, or their mobile app. I then checked online and found that earlier this year US Bank was fined {$37.00} XXXX for stealing from their customers, and I fear they've simply found another way to do so, and that I've become a victim.
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

I rehabilitated XXXX loans through XXXX which were then transferred to Navient on XX/XX/2017. At the end of the rehabilitation program, 16 % collection cost fees were added to the principal followed by a 1.5 % Rehabilitation writeoff. The totals were {$48000.00} principal, {$8000.00} collection cost fees, and {$1100.00} Rehabilitation writeoff. The total principal transferred amount transferred from XXXX to Navient barring interest was {$55000.00}. ( confirmed by XXXX ) Navient is stating the total is {$55000.00} plus an unpaid collection cost of {$1100.00} for a total of {$56000.00}. They are charging me for the fees that were written off by XXXX. I have filed two disputes with the Office of the Customer Advocate at Navient and received the exact same denial response document both times. They are very unhelpful over the phone and claim to not have any answers. They schedule a supervisor to call and discuss but the call never comes. They are unwilling to discuss the disputes I have with the additional charge.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC. (CA)

Our loan servicer Plaza Mortgage transferred our loan on XX/XX/21. At the time they are stating that our escrow balance was {$11000.00}. The new loan servicer XXXX Mortgage stated that they only received {$3000.00} from Plaza in our escrow account. There is a {$8600.00} difference between what one company is stating they received and what one company is stating they sent. I contacted the county and neither company made our XXXX tax payment nor any other payment. I have called both companies for proof of what was sent... cancelled check or proof of wire. And I asked the same thing from the receiving loan servicer. 12 weeks later I have not been able to get this resolved from either company. In the meantime, I am required to pay an addtl. {$800.00} per month due to an " escrow shortage '' in my account. I have called both loan servicer 's several times within the last 12 weeks as well as mailing each of them a certified letter. I am out currently out approx. {$9000.00} and unable to get this issue corrected. I am not sure why I have to keep ping-ponging back & forth between Plaza Mortgage & XXXX Mortgage. Why don't these 2 companies get on the phone with each other, see where the ball was dropped and make me whole again? This is issue is NOT getting resolved. I do not understand that approx. {$9000.00} is missing from escrow account and neither company is held accountable. Isn't this grand larceny?
Consumer complaint received 2023-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

Summary : US Bank mortgage paid funds out of my escrow to an insurance company I am not insured with. This overdrew my escrow. US Bank is not giving me my funds back and says I need to pursue the insurance company myself. The insurance company ( XXXX ) has not respond to my request for refund either. 

Detail : In XXXX I started shopping/getting quotes to possibly change both my auto and homeowners insurance. I received a quote from XXXX insurance, but after they sent me the policy documents for my signature, I saw that the policy showed the wrong effective date, and had some other false information that needed to be corrected. So I emailed XXXX with a list of changes needed and asked for new quotes. Later that night I logged into my mortgage servicer 's website ( US Bank ) and noticed that they paid a payment out of my escrow, equal to the amount of the quote I received from Farmers a few days earlier. This payment had overdrawn my escrow by almost {$1500.00}. 

I spoke with Farmers on XX/XX/XXXX, and told them that those funds needed to be returned to my mortgage account at US Bank, since I had not yet finalized the policy change. ( I had not received the new quote, I had not signed anything at all with XXXX, and even if I were to go through with the change, the effective date was to be more than nine weeks in the future, so they had no standing to bill my mortgage. ) I was told they would contact me the next day, but they did not. 

So on XX/XX/XXXX I called my mortgage servicer to request that they obtain a refund from XXXX. I was transferred around to multiple different departments, who all told me that because XXXX had my account number ( which I had provided to them in anticipation of finalizing the new insurance - before I received the error-filled policy documents ), that they had no further responsibility to verify the validity of the payment request before sending Farmer the payment from my escrow account. Apparently it is not their policy to verify that billings they receive from insurance companys are valid. As long as the insurance company has an account number, then they do not ensure that a policy has been agreed upon/signed. In a day and age where rampant hacking leads to constant fraud, they take no steps to protect their customer or do any due diligence before sending out a customer 's funds. The last person I spoke with at US Bank hung up on me. 

So I want to formally complain about US Bank. US Bank did not due their due diligence in protecting my funds. They did not ensure that the invoice from XXXX was legitimate, before paying it. And they will not return my funds to me. At this point I've made two additional attempts to contact Farmers, but they have not responded either, however I believe that US Bank 's failure to properly vet on a payment request from an insurer not previously associated with my account resulted in this loss and it should be US Bank that corrects it.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Today, XX/XX/2022, I spoke with XXXX in Consumer Relations and XXXX XXXX of the Fraud Dept at Transunion regarding hard inquiries on my Transunion Report. I do not have credit from any of the three lenders ; XXXX XXXX ; XXXX and XXXX XXXX XXXX. 
The first person I encountered when I called was a woman named XXXX. When I told her my situation she initially refused to transfer me to the Fraud Dept and said it would take three days for someone to call me back. After demanding I speak with someone from the Fraud Dept she finally gave me a file number # XXXX and passed me through to Fraud. There my problems only increased as the next Rep, XXXX XXXX repeatedly said they could not investigate hard inquiries and that I must send a letter of authorization stating I wanted the inquiries deleted. I told him I've sent at least three letters and the items have not been deleted. I then informed him that according to the FCRA Transunion 623 - 15 U.S.C. 1681s-2 The Bureau, shall be required to investigate a dispute concerning the accuracy of the information contained in my report based on my direct request. However, he stated Transunion does not investigate disputes. He then went on to reiterate I must send a letter - which I already did, 3x - stating I wanted the items deleted.
Consumer complaint received 2022-12-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Due to recently implemented 3rd party clause by Infiniti Financial Services, I am no longer able to trade my ( leased ) vehicle to any other dealers outside of XXXX. I was recently required to return to work and must drive the vehicle daily which will put me over the allotted miles before lease end. I want the ability to trade my vehicle for an electric vehicle and not be concerned about mileage.
Consumer complaint received 2023-06-16
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. (FL)

DUE TO IDENTITY THEFT, THESE EXPERIAN INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EXPERIAN PROFILE. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX. XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
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: EQUIFAX, INC. (FL)

- FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2023, a remittance transfer of {$2500.00} was sent to Bank of America but has not been processed. While Bank of America acknowledges the payment, they are unable to decipher it.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (TX)

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. 

The letters are stated with items and issues. 

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 2017-04-01
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MO)

Filled out a pre-qualification form, was advised checking to be qualified would not affect my credit, unless I applied for the loan. After filling out the form, the next page asked for more information, but did not indicate that I was not prequalified and filling out the extended form would be a hard pull. 

Secondly, was not informed ahead of time that I was applying for a vehicle title loan, of which I am not interested in.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Can u please delete the 2 " Fraud hard inquiries ''. I know nothing about this new inquiry qt all. As i will provide documentation of the duplicate inquiries. I also froze my accounts with fraud alerts and reported to the FTC for further security & Investigation measures. This was improper use of my credit report of hard inquiries that i am unaware of and did not authorize. 

I was notified by XXXX XXXX XXXX XXXX thats someone accessed my info it was stopped the the Black market Website Surveillance from my Bank. I also filed a FTC Report. Transunion File # XXXX The 2 unauthorized Hard Inquiries are listed below. I even have freezes and fraud alerts on there and not sure how it still got on there. As i will show u documentation that it was blocked originally Duplicate Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

XXXX used AmSher collection service, to collect bills of {$770.00} from me for services that I never used, and have reported this to the three credit bureaus which significantly hurt my credit score and other activities. 
I have explained this to the AmSher collection service and point out they do not have evidence of this collection and they continued to enforce this payment.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: Bridgecrest Acceptance Corporation (IL)

XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX - the information is incorrect and inaccurate. 

XXXX was removed from XXXX  and XXXX  but still remain on XXXX 
XXXX  XXXX - the information is incorrect and inaccurate. 
Bridgecrest - have not done business with this company.
Consumer complaint received 2022-12-20
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. (PA)

I have disputed CONSUMER XXXX XXXX XXXX XXXX XXXX  numerous time with all three bureaus. The credit bureaus continuously change the information on this account updating status, changing payment information, and rearranging the inaccurate information on the account. I have asked for deletion of this account due to incorrect and inaccurate information yet they wont delete it, they keep changing information. If, all information is supposed to be reported accurately to all three bureaus then how and why do they keep changing the information and if its inaccurate and im asking for them to delete it why wont they. Please Delete this account immediately.
Consumer complaint received 2023-02-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: U.S. BANCORP (CA)

Hello, I have a small business. We do debit transactions, some of which requires cash back. For the last week, weve noticed transactions where the cash back is approved, and it factually hasnt went through. When we verify the transaction, whether with a receipt or looking up the transaction history, the cash back has not been processed. In one case, a customer was approved with insufficient funds. Im handing over money to the customer with false information. Ive been processing with this company for two years, and I dont know how many transactions this has happened on. I do not know how I will get reimbursed on the amounts of transactions this has been happening.
Consumer complaint received 2022-12-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this XXXX information on my credit report please
Consumer complaint received 2024-03-27
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. (NC)

i would like for the credit reporting agency to stop sharing my non personal information to the non affiliated 3rd party including XXXX XXXX XXXX XXXX non public information according to the grams bailey act