davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (TX)

XXXX XXXX XXXX XXXX payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a XXXX that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Consumer complaint received 2023-05-28
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. (TX)

XXXX XXXX Reports late payments XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was never late and any payment processing issues would have been for technical reasons. I had autopayment setup and never had any issues before. I was not at home during the time of these payment processing errors so I was not aware. I had been in the hospital with COVID symptoms while battling other illnesses related to my combat service in XXXX. I have been determined to be XXXX percent XXXX and am really affected by the stress of fighting to get these late payment records removed. They were not mine. I always have money and savings. Please do not hold me accountable for technical issues and health issues. Please show compassion. I suffered identity theft at that time, and its possible that a card was locked by my bank while I was in the hospital and overseas. I was not aware of any issues. I have paid off the card completely with a large payment months ago. Please don't keep me begging for this to be resolved. Please escalate to a manager that could help me with this request. I am exhausted with this. I deserve to be believed and help. I have paid this debt in full. It clear that I wasn't trying to avoid paying the debt. I have been an exclusive lifelong customer. Please do not punish me for being incapacitated and not ware of the technical issues that may have caused payment processing errors. Also why is XXXX reporting my account as closed? There is such inconsistency here. Even the dates of last update were different on some of the credit reports. Please delete this late payments. They are not the result of me not paying. Its a technical issue that was resolved later than we would have liked.
Consumer complaint received 2023-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc. (CA)

After months of issues with moneylion ( many of them resolved by submitting prior complaints either cfpb ), I paid off my moneylion loan. After over 30 days of moneylion not applying the payment, a rep for moneylion insisted the payment was lost in the mail and suggested that I would receive a negative credit mark if I didnt mail an additional payment ( although this delay in crediting a payment had accrued on each payment I had made prior, and moneylion continued to charge interest as they delayed crediting payments for more than 30 days ). Sure enough, after sending another payment, the original payoff suddenly appeared, resulting in an overpayment. 

Moneylion has not returned the overpayment nor have they returned overcharged interest despite hours of backnforth at my additional expense. 

Moneylion is now stating will provide no further updates nor have they returned the overpayment. It had now been around 90 days with no explanation or check.
Consumer complaint received 2023-01-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I was a consumer with Wells Fargo regarding my mortgage from XXXX to XXXX ( when my loan was transferred. ) During my time with WF I had applied for home assistance, provided all required documents and was denied payment assistance.

In the beginning, when the loan was originated, WF loan officer assured me I qualified for a 30 year fixed; on the day of closing, XX/XX/XXXX, she called me hours before advising for some reason I only qualified for an interested only mortgage. I was upset as I was assured based on my credit score, and down payment I would get a 30 year fixed. 

As result of this type of loan I got behind and it was then I asked WF for payment assistance ; I was given the runaround, misinformation from different reps when I contacted customer service until the loan was transferred in XXXX of XXXX. As a minority homeowner, WF took advantage of me based on XXXX.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I was offered a credit card by CapitalOne/Bjs via mail, I applied and my applications was denied because the company said " Based on your application information, income is insufficient for amount of credit request '' But I didn't apply for a specific amount of credit. Also, my household annual income is more than XXXX XXXX/year, so I'm not sure what was the real reason for denying my application since my income would be sufficient for a regular credit card with a usual credit amount for a consumer like myself.
Consumer complaint received 2024-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted a dispute regarding inaccurate information on my credit report. I provided all necessary documentation, including my identification, proof of address, and power of attorney, and sent it via priority mail. Despite this, the agency has ignored my dispute request, violating my rights under the Fair Credit Reporting Act. 

Furthermore, I received letters and emails attempting to coerce me into filing disputes online or over the phone. This interferes with my rights under the FCRA, which allows me to submit disputes via mail. These attempts to direct me towards online or phone disputes are not acceptable and further delay the resolution of my issue.
Consumer complaint received 2024-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (WA)

I took out this loan in around XXXX, going through a divorce. I made payments but they were charging 299 % interest, and it became difficult, I believe last payment was made in XXXX or XXXX. I moved to Washington in XXXX, and had given them my updated mailing address. Then the pandemic hit and I couldnt work, now after 6 years they sent me some paperwork from a company called XXXX XXXX XXXXXXXX and XXXX XXXX XXXX threatening to garnish my wages. I didnt think they could come after you after XXXX  years, and neither of those XXXX organizations look very legit in a XXXX search. They have given me XXXX  days to respond and its already been a week. I have a job now but I am still recovering from the pandemic, and cant afford this right now. Thank you for any assistance you can provide. ( Listing company as Cashnetusa, however XXXX XXXX XXXXXXXX and XXXX XXXX are on the court order which is also to XXXX  XXXX, no idea who that is. )
Consumer complaint received 2023-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit, Inc (TX)

In 2020, I consciously purchased an Audi XXXX and added an Audi Care plan to my contract. The salesperson clearly explained that Audi Care would prepay for my vehicle 's services, including oil changes and tune-ups. However, when I went to the Audi dealership for service, I was denied free service because the dealership had no record of me being charged for the Audi Care plan. Despite trying to use my Audi Care plan again, I faced the same issue and ended up paying for my services out of my own pocket. I then contacted Audi Customer Service for a refund but was told that my plan had expired. This is unacceptable, and I demand a full refund for the amount I was charged for Audi Care. I believe I was misled and taken advantage of, and I expect Audi to rectify this situation immediately.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2022-11-30
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. (FL)

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

XXXX XXXX bank card account # XXXX Has an inaccurate information and amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2016-10-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Colorado Capital Investments, Inc. (NY)

Around XXXX of XXXX I, along with my employer, suddenly received an income execution from the XXXX about a default judgment allegedly entered against me back on XXXX XXXX, XXXX by Colorado Capital Investments. The original judgment was {$1600.00} and with interest the income execution now totals {$3600.00}. When I called Colorado Capital Investments ( as advised by the Marshals office when I told them I had no clue what this was about and why did they also send info to my employer ) Colorado Capital Investments informed me of the default judgment they had against me and that the XXXX were to collect on the debt. I explained to them I was never made aware of a default judgment entered against me and did not live in the state of XXXX from XXXX through XXXX so could never have received any notification of such. I was not even sure what the judgment default was for because it is over 12 yrs old. They said they would send me some paper work and ended up sending me forms saying they received my complaint of " fraud '' and requested info such as a drivers license, etc to prove my residence back in XXXX. I have no such info as requested, it has been over 15 years since XXXX and I was required to turn in my XXXX license in when I received a license XXXX when I returned in XXXX and I did not keep things such as residential leases, utility bills, etc from XXXX to prove my residence. More importantly, I never alleged fraud of any kind. I told them there had to of been process of service issues considering I did not live in XXXX at any time near XXXX. So not only did I not receive a summons and complaint, but I also never received notice of the default judgment entered against me. It is unfair practice to let a default judgment sit and collection interest for 12 years and then finally act on it when the interest is higher than the amount of the judgment. Moreover, I told them that when I began law school in XXXX I received a full credit report on myself to ensure that I corrected all debt issues before I graduated law school this past XXXX so that I did not have any difficulty passing the Character & Fitness portion of the admission process and advised them that no such judgment has ever appeared on my credit report. Because I was unable to come forward with any documents of where I lived in XXXX, Colorado Capital Investments and the XXXX office have continued to contact my employer only!
Consumer complaint received 2022-12-08
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

The current holder of the student loan provided a XXXX for XX/XX/2016 that showed XXXX interest paid. I calculated the interest from their website and paid {$1000.00} in interest, which their representative acknowledged. When I contacted the lender they advised that they had over-reported my previous tax years interest payments, so they were making an adjustment this year ; therefore, they will not report the XX/XX/2016 interest paid. If their records show I paid more in interest, that means I paid less in premiums so my loan is not being paid down as it should. Two problems : 1 ) I do not get credit for interest paid in XX/XX/2016, and 2 ) by the lender applying a larger percentage of my monthly payments to interest, I am not getting full credit for paying the premium,
Consumer complaint received 2017-03-16
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Bleier & Cox APC (TX)

A lawsuit was filed several months after I had moved to another state from the state of California. Documents were mailed and served to my old address in XXXX When I was made aware of the suit, I contacted the law office and was only able to speak with case associates who refused to acknowledge that I was not properly served. They have now gotten a judgement and filed for wage garnishment and I was not notified of either. Whenever I call the law office I am told different things and spoken to very harshly and without any respect. I was told they do n't have to do anything because I lived in California when the suit was filed and would not allow me to submit any proof and refused to do anything to rectify their error except make a settlement with me for a monthly payment that I could not afford. I also was threatened with if they remove the lawsuit from me then they would garnish my grandmothers assets because she is a co-signor.
Consumer complaint received 2023-03-25
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: EQUIFAX, INC. (FL)

I have several unauthorized/fraudulent inquires on my Equifax Profile . I have this problem several times over the past couple of years as a result of a wallet being stolen that contained my person information. I was told to provide a Police Report to have them removed immediately, which I have several times in the past with no problem. In XX/XX/XXXX I filed a Police Report with several unauthorized/fraudulent inquiries on my Equifax Profile using the same Police Report Format I have in the past, and per the instructions given to me by Equifax. In XXXX I filed a Police Report and submitted the copy of that report to Equifax with the following unauthorized/fraudulent inquiries, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. Equifax did remove 3 of the 6 unauthorized/fraudulent inquiries immediately upon receipt of the Police Report but failed to remove the additional unauthorized/fraudulent inquires that I just listed and that are on the Police Report that I submitted This includes XXXX XXXX that appeared on my Equifax Profile on XX/XX/XXXX, and has been disputed several times and listed on a Police Report that I submitted several times. Now I am being I was told that that same Police Report, which has the same format as the other Police Reports that I have submitted in the past, is invalid, yet Equifax removed two of the 6 unanswered/fraudulent inquires. Having persisted in my efforts to resolve this matter with people who barely speak English, I have now gotten several other stories. One or about XX/XX/XXXX, I was told that the remaining unauthorized/fraudulent accounts will be removed in five ( 5 ) business days, and another gentleman on XX/XX/XXXX, that the remaining inquiries would be removed in 72 hours. Well, neither has happened. I have been lied to enough. by Equifax 's customer service representatives who are even in America. When I ask to speak to a supervisor, it seems none are available. They lie to me, an refuse to solve my problem, yet they have absolutely no problem trying to sell me some of their many products that supposedly prevent this sort of thing. I've gotten several excuses as to why these unauthorized/fraudulent inquires haven't been removed, and it seems that no one really knows what the other one is noting on the account. Nor does it seem like they know what it is that they are doing since one person tells me one thing, then another tells me that person is lying, then tells me another. I just want these inquires remove IMMEDIATLY!!! As I've said, the Police Report they're calling " invalid '' is the same Police Report, From the Same Department, and in the same format that I've sent in several times before and have never had this big of a problem having these unauthorized/fraudulent inquiries removed. All I get is excuses as to why they have not been removed from my Equifax Profile. I want them remove IMMEDIATELY!!!
Consumer complaint received 2023-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

XX/XX/XXXX I purchased XXXX XXXX XXXX XXXX cost was {$950.00} dollars XXXX XXXX XXXXXXXX XXXX was XXXX XXXX XXXX and also the company she claimed to use for courier service XXXX XXXX XXXX  I have tried contacting both parties and no one has contacted me back. My back will not reimburse me I used XXXX. I have receipts for both XXXX and the courier service and emails. Thanks please help XXXX XXXX XXXX
Consumer complaint received 2023-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (NC)

If NetCredit had dealt with me to underwrite any loan, they would have recognized the XXXX XXXX taken from the XXXX XXXX XXXX XXXX, and found me incompetent at the time, and sought to cash in on abusing me in an attempt to gain access to XXXX XXXX. It is in NeCredit 's best interest to recognize that I was scammed, and accept the police incident number provided. Was Netcredit incompetent at determining my XXXX XXXX, or trying to take advantage of XXXX XXXX XXXX, they must have been aware of if they were dealing with me directly as they claim?