davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-13
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. (MN)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX
Consumer complaint received 2021-03-18
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. (CA)

XXXX XXXX XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

NAVY FEDERAL XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

XXXX XXXX who opened my account did so without giving me full details of the account type and obligations of me opening the account or the full account details therein. This young lady claimed to have been a temporary transfer at the time and repeatedly asked for assistance from a coworker to aid in opening the account since there was so much information she just didnt know and claimed they did things differently at her bank, which made no sense as banking institutions tend to follow the same procedures by law. There were bulk loads of misinformation given to me such as that Citi bank did not offer secured credit cards but rather only credit cards I could apply for. She also did not tell me that I had to maintain a minimum of XXXX dollars in the account to avoid the XXXX monthly service fee as it was explained that police to me today XX/XX/2020 appx XXXX CST to XXXX XXXX  CST on a recorded phone call. This information had never been previously made aware to me. This account I feel was opened under fraudulent terms in which I feel I was taken advantage of because I am a XXXX individual ; I also feel that due to my XXXX Ms. XXXX did not feel it necessary to explain the full account details to me in a way that I could understand. This deceptive customer service tactic has led to several ongoing issues with the bank from misleading customer service to outright flagrant disrespect and dishonesty in customer service representatives and the information they provide me as an account holder.
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I was denied loan foregiveness even though I have been XXXX   for 25 years as a public servent, as Navient directed my loan into an account which is not recognized as being able to be given loan foregiveness.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

Freedom Mortgage XXXX This account should NOT be reporting a late payment on XX/XX/2021. This account has been paid off. This loan funded on XX/XX/2021 so it should not be considered more than 30 days late. This is preventing me from getting the credit I deserve.
Consumer complaint received 2020-03-13
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. (MN)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  DPT ED/XXXX XXXX  XXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DPT ED/XXXX
Consumer complaint received 2022-03-23
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-03-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MI)

Hello, I never contacted US bank nor have I ever had a relationship with the bank. I recently purchased a home using an FHA loan and closed with XXXX XXXX XXXX XXXX on XX/XX/2021. An XXXX XXXX ( ex girlfriend of mine ) who works at US Bank as a mortgage loan officer accessed my person information on the government website for FHA connection. She shared this info with others. I made a complaint with US bank customer service about two weeks ago as a believe this violates federal law 18 ISC 1030. To date I have not received a response from US Bank. Her access should be recorded on that website. Her NMLS is XXXX
Consumer complaint received 2021-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (CA)

There is a company called XXXX XXXX that I believe stole my identity and sent my information to a debt collection agency called Hunter Warfield in the amount of {$10000.00}. I do not know why they use my information it I have no relations to both companies and would like to get that debt removed off my credit report.
Consumer complaint received 2020-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Receivable Management Services LLC (MD)

I was trying to make apply for credit to make a large purchase and was denied due to a collection from Receivables Management reporting on my credit report. I was unaware of this debt until I applied for credit, was denied, which I then went to pull my credit report and saw a collection that I was unaware of. I never received any communication regarding this debt from Receivables Management nor the original company that owns the debt. I don't even know who the original company is that owns the debt. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Receivables Management Corp. placing the negative item on my reports, they made no attempts to reach me regarding the alleged debt.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I for some reason do not have a credit score with Equifax and XXXX. I do have a credit score with XXXX. I have been trying to establish credit with Equifax and XXXXXXXX however, there has been too much back and forth at this point and they have not been able to assist. 

I have sent my information twice now to each Equifax and XXXX 

With TXXXX I have sent my information both times by mail. Apparently, the 1st time I sent it, it was not enough information even though I sent what they asked for. So, I sent everything again including new additional documents through certified mail, and am waiting now. 

With Equifax, I have sent my information through fax and have confirmation of delivery however after waiting 8 business days after Equifax received the files ( which by the way, they said they need 3-5 days ), they have no record of the file. Customer Service assumed that it was because the files were not readable and asked me to resend the information again. Equifax also does not have any notes to prove that the file was not readable. So, I sent everything again through certified mail and am waiting now. However, I am very concerned that the same exact thing will happen.
Consumer complaint received 2020-03-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

The company Navient is all out of sorts with my loan. They ask me for payments each month that is larger than my monthly income. I have a high interest rate regardless if I enroll in my income based plan or rate reduction plan. Every time I call Navient there is no consistency with my account information and this has been going on since XX/XX/2015 after I graduated. It is extremely frustrating and it seems that they don't care and at this rate I will be paying this loan for the rest of my life. My principle amount does not decrease even though I pay on time every month almost 500 .
Consumer complaint received 2020-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XX/XX/XXXX someone deposited money in to my PayPal account, immediately the money was withdrawn to a prepaid debit card that had been added to my account without my knowledge. This happened multiple time over the course of 58 minutes from XXXX XXXX-XXXX XXXX. The person that made the deposits, XXXX XXXX, immediately filed a claim that the deposits were made without their knowledge. Those funds were put on hold. The withdrawals were in the amount of {$1600.00}. During this entire time I was out of the country and was not monitoring email so I did not see the emails from PayPal letting me know about the transactions. 
Here is the timeline of the transactions and emails from PayPal : XXXX XXXX   {$280.00} In XXXX XXXX  {$97.00} Out XXXX XXXX  {$97.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} out XXXX XXXX  {$95.00} out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX  {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  {$280.00} In XXXX XXXX   {$95.00} Out XXXX XXXX  {$95.00} Out XXXX XXXX  email from PayPal asking if there was unauthourized access to the account XXXX XXXX  email from PayPal stating password was changed XXXX XXXX {$95.00} Out XXXX XXXX  Email from PayPal stating access to account was restored XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  Email from PayPal stating password changed XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  {$280.00} In XXXX XXXX  Email from PaylPal stating Pre-paid debit card removed from account I was alerted to this situation when I arrived at the XXXX airport and my text messages started coming through. I had multiple texts from my bank asking if I authorized {$1600.00} in a transfer from my debit card to PayPal. Fortunately, they did not send the money to PayPal. 
On Sunday, XX/XX/XXXX, when I saw the emails at XXXX XXXX, I called PayPal to let them know that deposits were put in my account that shouldn't be there and that withdrawals that I didn't authorize were also done. 

On XX/XX/XXXX, PayPal denied the claims. I had them reopen it on XX/XX/XXXX and on XX/XX/XXXX they again rejected the claims stating that the transactions were not unauthorized. They were able to tell me that the transactions were from IP addresses all over the country. I wasn't even in the country. If I would have logged in to PayPal it would have been an IP address from XXXX. 
I truly don't understand how they can not see fraud, as the deposits and withdrawals were done at the exact same time. 
I have since closed my debit card and my bank account. 
I really hope you can help. 
Thank you, XXXX XXXX
Consumer complaint received 2020-03-13
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- PERSONAL ACCOUNT -- 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2024-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (PA)

I've been in communication with my Mortgage provider every other week for a few months now - I accidentally paid my property tax directly to my city in XXXX for year XXXX, even though I was including tax payments in my escrow payment to RoundPoint Mortgage. I called them on XX/XX/XXXX to notify them that the taxes had already been paid. It took several transfers before they asserted there was nothing they could do until an escrow analysis was performed. They indicated they would perform this analysis before sending the tax payment to my city ( XXXX ) in XXXX, and that I wouldn't need to contact them again as they'd distribute the excess escrow at that time. Instead, they sent the payment to my city ( XXXX ) without any analysis in XXXX. I notified them via email and call on XX/XX/XXXX that they'd previously indicated this wouldn't happen, and asked what my next steps were. They notified me prior to the end of XXXX I would need the city to return the payment and provide documentation the taxes had been paid. I got in touch with the city promptly, who not only confirmed they would send the money back to Roundpoint, but also provided me a printout of the only tax payments that had been applied in the past year, which included the payment I made in XX/XX/XXXX and no additional payments in XXXX ( i.e., they did not incorrectly apply Roundpoint 's duplicate payment ). I sent the documentation onward to Roundpoint and they indicated they would disburse the excess escrow back to me. I did not receive any payment. I've sent additional emails, and spoken with them on the phone about this on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time, someone promises me they are going to do the escrow analysis and send back the excess funds, and every single time the next time I talk to them zero progress has been made and they say they need to send my request for escrow analysis before they can send me the funds. I've pleaded with them to resolve this any number of ways, or to take any accountability for the fact that the only solution they've offerred has been unsuccessful 7 times already, but they refuse to take any other course of action.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NV)

ON XX/XX/2020 I get a email from Citibank in which it said they blocked my checking and savings account out of nowhere and didnt give me any valid reason for the restriction. Said to call a fraud prevention number, and i did, they kept giving me the run around and making me wait on long holds only to tell me they cant give me any info other than that they will be holding my funds and wont be sending me a check with my funds until 60 whole days. I have had no issues in the past with this bank and i've always banked responsibly and never mishandled a account. I go inside the branches and they repeat the samething. So because they say so, i am forced to not have access to MY FUNDS, out of nowhere, for an entire 60days? i have up to {$7000.00} in funds, combining my checking and savings accounts. I have a life to continue, this is making everything 10xs worse and overwhelming as i have a mortgage, family and more, much more bills than most. THIS IS ABSOLUTELY DISGUSTING AND UNFAIR BANK PRACTICING. I WILL BEGIN A LENGTHY LITIGATION IMMEDIATELY AFTER THE NEXT 7DAYS IF THEY DON'T RESOLVE THIS IN MY FAVOR OF RELEASING MY FUNDS!
Consumer complaint received 2020-03-13
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp (CA)

I am within the grace period for paying on the Lending Club account which due was XX/XX/XXXX. They started calling my cellphone on XX/XX/XXXX and now my employer everyday since XX/XX/XXXX. I informed them on XX/XX/XXXX that my employer does not want my personal calls coming to the office number of XXXX. Do cease calling this number. They have called the office every day as late as XXXX XXXX  on XX/XX/XXXX. They said, they would remove the number from their list but they haven't. They have my cellphone number to contact me.