davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX is trying to collect money from me that I dont owe. I open up a business account I was told I had 7 days to return the phone if I decided to close the account the only thing I would be charged would be a restock of {$5000.00} for the phone. After thoroughly thinking I decided to return the phone and end the contract within the timeframe they gave me..I was charged the {$50.00} restock fee. I thought everything was over. I started getting letters that I owed over {$300.00}. I was shocked because I never made a phone call on the phone.I called and the representative told me where he saw that I returned the phone in the timeframe allowed and saw my {$5000.00} restock fee. I was even told they would have never accepted the {$50.00} restock fee if I didnt return the phone and cancel the contract within the timeframe. I was happy to her that. The representative said he will notate and I shouldnt get anymore letters concerning this. Well now I have a letter from a collection agency stating I owe XXXX XXXX XXXX {$300.00}.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-05-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Onity Group Inc. (MD)

I applied for an independent foreclosure review and the Indymac then transferred to XXXX XXXX XXXX now serviced by Ocwen sent correspondence that I was not in foreclosure and that the mistake was due to a misplaced payment yet I have fees on my account amounting to approx XXXX. I have sent letters in XXXX XXXX to all XXXX mortgage companies above and have not received a response. I also requested a copy of my original loan application, HUD -1 as well as copies of any and all assignments of my deed of trust filed in Maryland land records. I have only received a letter from Indymac stating that they have received my request but I have not received any documents or copies nor resolution to my foreclosure fees.
Consumer complaint received 2022-12-20
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. (WV)

The issue I have in my case is pretty straight forward. On XX/XX/2022, I requested that my former loan service provider, XXXX XXXX, refund my student loan payment ( XXXX ) that I made during XXXX and to reopen my loan balance so that I could apply for the Temporary Public Student Loan Forgiveness ( TPLSF ) Program. The total amount I paid was {$26000.00}. This closed out my student loan balance at that time. This closed out my student loan balance at that time. The payment was processed on XX/XX/2022, by XXXX XXXX, which is the first date that one could request a refund of a payment. 

Under the rules of the XXXX XXXX and what not, borrowers are allowed to request their loan payments made during XXXX even if it paid the balance in full. I also filed my TPSLF at the time I made the request to have my XXXX payment ( XXXX ) refunded to me. 

I made this request not only via email, but over the phone and I also sent a certified letter ( I have all of my documentation, including the return receipt ). I followed up with XXXX XXXX at the end of XX/XX/2022 and was told that my payment had been reversed ; and, therefore, my account had been transferred to AidVantage on XX/XX/2022. 
To date, I have heard NOTHING. I never received a closeout letter from XXXX indicated that the new balance was transferred to AidVantage and certainly nothing from AidVantage. I never recieved a payment either of the refunded payment amount. I tried to contact XXXX XXXX and there is no way to contact them. 
I have several screen shots from my XXXX XXXX account when it was still a viable entity, but they completely wiped out my account at a certain point so that none of my history was located in the account. 

I have tried to contact AidVantage repeatedly and they have no record of me. This is getting utterly frustrating and there is no way for me to fix this issue without filing this complaint b/c I seem to be lost in the abyss. 

Attached please find a copy of the certified letter I sent XXXX XXXX back in early XXXX asking for the refund to be processed well within the timeline required. I also believe I have emails from XXXX XXXX when I sent the requests via email as well ( that they did not ever respond to ), but I would have to locate them. I also attached a couple of additional supporting documents to better support my position. 

PLEASE SOMEONE HELP!
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: Experian Information Solutions Inc. (NV)

{$2400.00} XX/XX/XXXX listed on my report as collections XXXX XXXX XXXXXXXX {$8600.00} ( XXXXXXXX XXXX XXXX XXXX ) account is inaccurate XX/XX/XXXX XXXX XXXX  accounts XX/XX/XXXX {$30000.00} XXXXXXXX XXXX  account # XXXX inaccurate description on my report XXXX XXXX account # XXXX
Consumer complaint received 2023-04-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

PHH Mortgage Company My mortgage was just sold by XXXX XXXX  to PHH Mortgage in XX/XX/2023 XX/XX/2023 Sent paperwork via email per procedure listed on their form from their website for Bi-weekly payments. 
I didn't hear back from them so I called requesting information about 3 weeks later and was told I didn't fill out the paperwork correctly ... no specifics given. 
XX/XX/2023 Re-sent same paperwork again for bi-weekly payments highlighting applicable section for bi-weekly payments. 
Called a week later verifying everything was in order. This time I was told my mortgage needed to be paid up a month ahead to start the process for bi-weekly payments. 
I paid the normal monthly payment via automatic payment on XX/XX/2023. On XX/XX/2023 I paid an additional payment to start the bi-weekly payment. 
On XX/XX/2023 I talked with XXXX in the XXXX Department ( XXXX XXXX ) and she said she was going to get it taken care of and call me on Wednesday XX/XX/2023 once she could verify that the process was complete. I didn't get a phone call so I called again today, XX/XX/2023. The agent tried telling me that I didn't have the paperwork in and that I needed to be paid up a month in advance. I showed him that I was paid up a month in advance. He said that payment was mis-applied and now it needs to be reclassified and that'll take up to 5 days and when that's done, XXXX will contact me ( like she contacted me before ). Every time I call I get an excuse that something isn't right with the paperwork or the paperwork was misread. Every time I call I'm left with no solution, just a " wait and somebody will get back to you ''. 
There are two things going on. One, they advertise a bi-weekly payment option, but don't want to do it through a discouraging process. Two, they took an extra payment from me illegally to pay down a loan if they have no intention of fulfilling their end of the process by implementing a bi-weekly payment plan.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

My Equifax business credit score for XXXX XXXX XXXX ( XXXX XXXX ) ( XXXX XXXX ) has decreased drastically over the past few months, although I've made all my payments in a timely manner. There is a communications trade-line that is showing up as slow up to 60 days, with a current balance of - {$35.00} and a past due of {$110.00}. I have reached out to all of my vendors/ creditors and no one has reported any late payments. I've attempted to dispute the issue with Equifax directly. They informed me i would need a current credit report, from Equifax, but they are refusing to provide me with XXXX. The email they sent states " Currently a business credit report is sent only to companies whose files have been accessed by Equifax XXXX XXXX XXXX members. If you have received notification from an Equifax XXXX XXXX member, please provide us with additional information so that we can assist you. ''
Consumer complaint received 2017-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (NJ)

I had a car loan with First Niagara. The loan was on autopay, which I cancelled when I moved bank accounts to consolidate with my fiancee. KeyBank acquired First Niagara, then withdrew the loan payment off the autopay ( despite it having been cancelled ) because their system did n't recognize it. I got an overdraft fee, which the bank refuses to pay. 
I then paid off the entire loan, however their system did n't include the already made payment, leaving an overpayment. The title was sent to an address I have n't lived at in years and had been changed, then check was sent to another old address I do n't live at and have n't in some time. I called to get a new check, the person helping promised it would be sent. It never was. I called again, the new person said the last just never did it, and then they promised to have it sent 2 day delivery. Two weeks later, I received a notice that I need to fill out a notarized form cancelling the first check. Hiring a notary in XXXX costs $ XXXX- {$50.00}. They wo n't pay for that ( despite this being their error ... again ... and again ). This is not a huge sum of money, but every single person I 've spoken to has lied to me. They told me a check was coming, it was n't. I only got the car title back because a person somehow found me on facebook to let me know they 'd gotten it. 
I am going through their process and will do this form, and pay the notary and send it in. I hope this time they 'll send a new check. Since they 've lied to me 5 of the last 5 times, I 'm not optimistic and am shocked and infuriated at how this has been handled. It all stems from their IT systems not integrating and I have done absolutely nothing wrong but still get stuck with fees for their incompetence.
Consumer complaint received 2024-03-25
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. (NH)

XX/XX/XXXX disputed false inaccurate credit report on Acct # XXXX XXXXXXXX XXXX XXXX ). Investigation results verified as accurate. That's false I submitted payment receipt and is being denied the right to have this deleted and updated. 
On XX/XX/XXXX XXXX XXXX XXXX electronically took my payment {$340.00} for the month of XX/XX/XXXX and early XX/XX/XXXX payment. Payment date are from the XXXX of each month. 
I open acct XX/XX/XXXX never missed a payment just XX/XX/XXXX and paid it on XX/XX/XXXX. 
Please see receipt and letterhead from bank saying cleared by XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I was contacted via telephone to inform me that " Bank of America '' had received a credit application in my name, and they were calling to verify the information and if I had indeed submitted an application. To be very clear... I DID NOT apply for credit with Bank of America. I also received a letter with Bank of America letterhead informing me to call " right away '' to verify that I submitted this application. I called the fraud department from a number I found on the Bank of America website ( not from the letter ), and they informed me that the letter I received, and the call I received were not from them. I DO NOT HAVE ANY ACCOUNTS associated with this institution. They verified that I do not have any accounts with them. They encouraged me to file a complaint here, and with the credit bureau.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc. (CA)

I had a credit from XXXX that was sent to North Lane and they issued a refund Master card  on behalf of XXXX in XXXX. 
I called North Lane to let them know I found the sealed envelope with the card in it ( which had expired ) and I would like them to issue me a check. They said that the card had been activated and there is a XXXX balance now because they took monthly fees from the card balance. I asked when the card was activated and she could not tell me when. That they don't have record of that. ( XXXX XXXX at North Lane on XXXX ) I asked to talk to a supervisor and XXXX XXXX came on the line. I asked when it was activated and she said they don't activate the cards so they don't have records of it. I said who does activate the cards so I can find out when it was activated. She said I would have activated the card. I let her know I never activated the card so how could they start charging a fee? She THEN told me that the card was issued in XXXX and that when the card expired in XX/XX/XXXX at that time they started charging the monthly fee!!! 
This whole thing is a complete scam, the address they sent the card to was a combination of 2 addresses. How can they issue me a card on a refund without my consent and then take a fee on a card I didn't even have activated?
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

I disputed the accuracy of a collection by a collection agency. The item was deleted by Experian on XX/XX/2017. It was them reinserted on XX/XX/2017. I did not receive a letter from Experian giving the reason for reinsertion, as is required by the FCRA.
Consumer complaint received 2024-03-28
Product: Credit reporting 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. (SC)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I recently opened a new checking account ( XXXX ) because I was having issues with unauthorized transactions ( funds ) going from my citizens bank account to a company named XXXX XXXX. I filed a complaint concerning this matter cs # XXXX. 
The case was resolved and closed. Now I'm having the exact same issues with my newly opened account. Fund going to XXXX XXXX again. The amount of the transaction is {$150.00}. on XX/XX/2022 I didn't authorize this transaction and am concerned and curious as to how someone is getting the banking information from my new checking account
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from XXXX XXXX XXXX it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XX/XX/2022. This length of time is unacceptable and I would like this resolved immediately please.
Consumer complaint received 2024-03-28
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I sent a letter on XX/XX/2022, but unfortunately, I didn't get the response I was expecting to get so I'm asking the help of the CFPB for this to be resolved. I am also attaching my ID so this time please continue your investigation for this matter of great importance.
Consumer complaint received 2022-12-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I don't know if this complaint is applicable to the XX/XX/XXXX announcement regarding Wells Fargo Bank but I'll try. I have been a XXXX customer since XXXX. I had a construction loan in XXXX, then a XXXX XXXX XXXX. In the midst of the financial crisis, I was one of the few customers who could qualify and pay XXXX back without going bust. However, the situation was difficult and my first interest only loan in XXXX generated a LOT of money for XXXX. 

In XX/XX/XXXX, I made a business deal that allowed me to pay down my interest only mortgage by almost 50 % and contacted my WF about refinancing. " No problem and absolutely. '' was basically their answer,. The amount of financing needed was probably 30-35 % of my home value, thereby looking like a pretty low risk deal for Wells Fargo bank XXXX The bank proceeded to jerk me around, delay the progress in getting the refi approved and they dragged this process out until XX/XX/XXXX. During those critical months I continued to pay {$10000.00} per month in interest only payments and despite my complaining, the timeline dragged on. 

I feel that they did this on purpose and saw little reason why this process could not have moved faster. They knew me, they knew my property and I was working with their XXXX Bank in XXXX XXXX. 

I feel they delayed and cost me anywhere between $ XXXX {$30000.00} in unnecessary interest only payments. Which I would certainly like to debate if possible.
Consumer complaint received 2022-10-22
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. (FL)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I was a victim of a fraud and wired {$110000.00} from my TD bank account. I asked the bank to cancel the wire the next day and refund the money to me. The bank did not take immediate actions despite multiple calls and visits to the branch to alert them that this wire was a fraud. The bank is now claiming that the matter is out of their hands and they can not do anything further to restore the matter. 

The wire was sent through the branch in person on XX/XX/2022. I was threatened over the phone while I was making this transfer, I had my headphones on, and was talking to the scammer the entire time. The bank didnt warn me or ask me any questions and went ahead to process the wire. There was no call back from the bank to verify the legitimacy of the wire either.