davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK (VA)

XXXX, a division of MidFirst Bank, has not fulfilled its referral promise. I opened my XXXX deposit account on XX/XX/XXXX pursuant to a XXXX advertisement. The bottom of XXXX 's website states : " XXXX MidFirst Bank. XXXX is a division of MidFirst Bank. Member FDIC. 

My direct deposits to XXXX appeared on my earnings & leave statement as deposited to " XXXX XXXX XXXX Bank. '' XXXX then encouraged me to " refer friends to XXXX, '' with the promise of {$50.00} for me and {$50.00} for a friend who opens and funds a XXXX account. I referred my friend to XXXX, and sent him the XXXX link designated for the referral promotion. He opened and funded his own XXXX account. We fulfilled all terms of the promotion, and our respective bonuses should have posted by late XXXX. I called XXXX about this on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first two times, I spoke with a customer service representative who identified himself as " XXXX, '' and who confirmed that we had satisfied the requirements for receiving the referral bonuses. He said he would research why the bonuses had not yet posted. The third time I called, a different customer service rep answered. I explained the situation, and told her of the " XXXX '' I'd spoken to before. She said he would arrive to work shortly, and she would ask him to follow up about this. My friend and I still await the promised referral rewards. MidFirst Bank and its XXXX division engaged in false advertising and deceptive practices. CFPB, please help us!
Consumer complaint received 2022-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I believe I have sufficient evidence that National Collegiate Trust is violating my consumers protection rights and has permanently damaged my and my co signers, my grandpas, credit. I took out two loans thru XXXX XXXX in the amount of {$15000.00}, in XXXX, and another in XXXX for {$6500.00}. XXXX sold my loans right after purchase to National Collegiate Trust and the loans were serviced by American Education Services ( AES ). AES consolidated my payments for the two loans. XX/XX/XXXX a collections company, XXXX XXXX called representing National Collegiate Trust asking for a settlement and threatening to take me to court if I dont. At that time I had already paid {$15000.00} to the {$15000.00} loan and {$4800.00} to {$6500.00} loan. I didnt have what she was asking for so I asked to make a payment and she said it was not an option that I had to talk to my co signers and figure out something. After over an hour long nonstop harassing call, She finally said she would give me a month. She took the {$500.00} I offered as payment to go towards the settlement. I was able to take out {$4000.00} loan against my car. A month later when she called I paid the {$4000.00}, which she said still wasnt enough so I had to set up XXXX withdrawals. The last withdrawal payment was XX/XX/XXXX. I had money in the bank XXXX and XX/XX/XXXX if the agreement was for more. Overall my settlement was for {$5500.00}, which means between the two loans I borrowed {$21000.00}, with XXXX yrs to pay, and paid {$25000.00}, in 9 years. After the settlement I saw on my credit report XXXX XXXXscharged the debt and it has a {$0.00} balance. I have not heard from NCT or AES until last year when they filed two lawsuits against me asking for {$23000.00} for the {$15000.00} loan and {$8100.00} for the {$6500.00} loan. They claimed they arent affiliated with XXXX XXXX but they took the payment and recorded it as recovered principle and interest between the two loans. I then found, before I received the summons, my co signer received in the mail from XXXX a letter asking for a settlement from him this time, proving their affiliation again. Ive had 5 settlement conferences with them where the magistrate instructed them for better balancing and proof of debt. I was never supplied with anything new. I went to court XX/XX/XXXX where they brought a expert witness that works for them at trans world to explain how to read the loan. Before I got my turn to present my case the judge thought we should go to the breakout room and try to settle again. In the breakout room I asked about the balancing discrepancies and their expert witness had no explanation other than he didnt make those reports it was AES XXXX They offered me a {$12000.00} settlement. I said I would consider it, because I have XXXX XXXX XXXX XXXX XXXXs and can not afford a lawyer. I went on to consult with a financial advisor that advised I make this complaint. Now I have my second court date with the judge Wednesday XXXX XXXX.
Consumer complaint received 2019-08-03
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. (MI)

I had a mortgage through XXXX that was sold to XXXX in XX/XX/XXXX. While the mortgage was still under XXXX in XX/XX/XXXX I filed for Chapter XXXX bankruptcy and my mortgage was included. I never resigned the loan, but I do still remain in the home and do make regular payments on it. 
Once the bankruptcy went through, XXXX stopped reporting my payments to credit agencies. When the mortgage was sold to XXXX they began reporting to Experian. I still have not resigned on the debt and have no legal obligation to pay it, so I disputed the debt with Experian. They investigated and decided the credit reporting was valid. I need the credit reporting on this loan to stop as it was discharged in XX/XX/XXXX.
Consumer complaint received 2022-06-01
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. Please provide the Bill Of Sale or original loan documents for the account " XXXX XXXX Account number XXXX. I have not received this information Per Section 623 ( a ) ( 3 ) I believe that my rights are currently being violated and this is also a violation of the FCRA. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-02-17
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: Experian Information Solutions Inc. (LA)

I have submitted my inquiry removal letters to all credit reporting agencies : Experian, XXXX, and XXXX. I have been patient, and I have submitted all the listings of each inquiry and creditor that must be removed from my credit report according to the Fair Credit Reporting Act, because they are effecting my personal life and well-being, and are unrecognized and unauthorized inquiries. They have refused to cooperate in doing so, and have not followed up in the investigation process, and instead sent me a letter back with accusations that I was using a Third Party to repair my credit. 

I have submitted my FTC Report, given these bureaus ample time to investigate, and have provided all necessary details, and these unauthorized inquires are still showing on my credit profile. Additionally, I have inaccurate accounts reporting to my credit report, various name variations, wrong address information, and a XXXX account that I have been working to get removed due to inaccuracies and none has been changed. 

I am demanding that these hard inquiries be removed from my credit profile as soon as possible. I have a quality of life that is contingent on an accurate credit report, and it is not lawful for these reporting agencies to put my credit at risk by reporting unauthorized, inaccurate, and unverified information and vexing my credit score.
Consumer complaint received 2022-12-18
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. (SC)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 accounts 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, other than records of convictions of crimes which antidotes 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 2022-06-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (FL)

I sent my mother through XXXX $ XXXX like I have been doing for 3 years the money never arrived to my mother account I have gone to the bank wells Fargo and they haven't done anything and they had that problem with a lot of costumer and they don't want to protect us and I think someone in the bank change my mother phone number and it went to another account and no one wants to return my money I don't know what to do anymore
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (DE)

The lender waived my late fee ( see attached ) ; but, refuses to set my credit report as " current ''. I was 30 days late due to contracting XXXX. Under the Cares Act, a lender has an obligation to report a consumer as current according to below : The CARES Act calls for creditors to adjust how they report accounts that have been modified. The law requires creditors to report any account that has a payment accommodation to it as current to the credit bureaus- as long as the account was current when the accommodations was made. This credit card lender made accommodations by waiving my late fee ( see attached " adjustment '' ) ; therefore, making accommodations. Based on this information and CARES Act, they should remove that late fee as they have an obligation to report that 30 day late - as current. ( see attached ). I was never late on this account and I've reached out several times to lender to adjust this report ; but, they refuse to do so. Therefore, this lender is violating the CARES act with regard to accommodate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-18
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. (CA)

i am a victim of identity theft my information was stolen and used WITHOUT my consent these unauthorized accounts must be blocked and removed from my credit report please block and remove these accounts from my creit report 1 ) Company or Organization : XXXXXXXX XXXX  Account Number : Account Number XXXX amount {$2300.00} XXXX ) Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX amount {$19000.00}
Consumer complaint received 2022-12-18
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. (GA)

In accordance with the Fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 2024-04-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (AZ)

XX/XX/XXXX Mountain America Credit Union XXXX XXXX XXXX purchased for {$10000.00} I found out my XXXX XXXX XXXX XXXX I financed with MACU is a salvage vehicle after getting it serviced at a XXXX Dealership. They ran the vin number and it came back in their system as salvage dated XX/XX/XXXX. MACU did not correctly research to find this information and financed my auto loan for retail value. 

I was also told by the MACU Loan Representative XXXX XXXX to get approved for the auto loan I had to take out a personal consolidation loan for my credit card debts. That personal signature loan was {$3800.00} and {$120.00} per month with life insurance added. Which I found out that was not true he just wanted to make more sales from me since I had very low debts during that time. 

I also financed a XXXX XXXX XXXX XXXX with MACU on XX/XX/XXXX for {$16000.00}. I traded in this vehicle for a XXXX XXXX XXXX on XX/XX/XXXX. The value depreciated by half of what I paid for it which is not correct because they overvalued the vehicle from the beginning of the loan. I was offered {$7000.00} and {$6500.00} negative equity was rolled into my new car loan. 

Both of these vehicles where purchased at XXXX XXXX XXXX in XXXX, Arizona.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (PA)

We moved in XXXX 2017 to a new home. XXXX sent a debt for a cable bill that was for my daughter to a debt collector. My daughter, s service was not at my home. My daughter is XXXX. The collection agency must have obtained my address from XXXX. I tried talking to XXXX. but they said they could not help. Tried the collection agency but never could speak to a real person.
Consumer complaint received 2022-06-01
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # 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 2018-10-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: MB FINANCIAL, INC. (IL)

I paid XX/XX/XXXX payment on XX/XX/XXXX and was delivered on XX/XX/XXXX transaction number XXXX   and I paid XXXX payment on XX/XX/XXXX transaction XXXX and was delivered on XX/XX/XXXXXX/XX/XXXX according to XXXX. I paid {$140.00} both times to MB Financial electronic bill pay thru my XXXX   checking accounts. Both payments have been paid out according to XXXX records and MB Financial can not find the funds. Because of this my XX/XX/XXXX payment that was due on the first is now late and missing. I sent over proof of payments as well as my bank statements to prove that the funds were in fact paid out and they are not locating the funds and told me I should resend the money that is lost otherwise payment will be late. This is not the first time something like this has happened with MB Financial. 2 years ago the payments were on auto-pay and they for some reason stopped pulling the money straight out of my account with out notice.
Consumer complaint received 2019-05-01
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. (NV)

Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/1993 SS # : XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX RE : update personal information, Second Request To whom it may concern : Ive been trying to get these addresses removed from my report for weeks, you guys kept saying that they have been removed and updated. According to what Ive pulled from my report, theyre still there. I've enclosed documentation providing proof of my current address, as instructed to do on your website; here is a list of the incorrect addresses that I am currently seeing listed ( which I would like to be removed please ) : Delete the following inaccurate addresses : see attachment There should only be XXXX address listed on my report, which is above of this letter.
Consumer complaint received 2022-06-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XXXX I mailed Check # XXXX to Specialized Loan Servicing LLC to pay XX/XX/2022 payment. On XXXX this check cleared my Credit Union, However my account still says that the XX/XX/2022 payment is still due and they have placed my payment in their Undefined account. 

Loan payments are to applied to the account upon receipt according to Federal Rules. I have made the XX/XX/2022 XXXX and my account should now say the next Payment due is XX/XX/2022. 

I should not have to make a complaint each month for this Company to apply my loan payment to my account.
Consumer complaint received 2022-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Received a letter from Citizens bank ( XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, RI XXXX ) regarding payment due on a LOC secured by my home. In the letter they said they would " settle your account with one payment in the amount of {$1100.00} which is equal to 80 % of your outstanding balance. Upon receipt of your payment, your account will be considered settled-in-full and will notify the credit bureaus accordingly. '' Letter is date XX/XX/XXXX. I wrote a check and mailed it on XX/XX/XXXX, check # XXXX in the amount of XXXX on the FOR line I wrote " balance on XXXX XXXX ( which is the home the LOC was taken against ). On my cancelled check Citizens stamped it " received XX/XX/XXXX ''. On XX/XX/XXXX the check cleared my bank account. The amount that was suppose to be forgiven was {$280.00}. And I had been faithfully making payments. 

I subsequently received a collections letter from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, PA XXXX. My daughter, XXXX XXXX XXXX, who has full XXXX, wrote them a response, attaching all the above mentioned documentation and mailed it XX/XX/XXXX. They never responded. 

Today, XX/XX/XXXX a letter arrived in the mail from XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX- for mailing the address is XXXX XXXX XXXXXXXX XXXX, PA XXXX ) demanding payment for the {$280.00} - the amount the bank indicated they would forgive if I paid the {$1100.00}. My daughter XXXX will respond to this letter as well - as I am XXXX XXXX XXXX, she now handles all of my finances. 

I find this repeated contact to be harassing and a form of XXXX XXXX I faithfully paid the bank in accordance with their written instructions. Neither myself nor my daughter should be having to continually respond to these letters, not to mention the costs involved with writing and mailing these letters certified, return receipt. I am very fortunate to have a daughter who is a CPA and can read and understand these documents and knows that they are false claims. Most people in my situation would think this was a legitimate claim and just pay it- thus being " swindled '' out of money that actually is not owed. It is rather unconscionable behavior- which is why I am taking the time to report these institutions - I know they will receive the letter from my daughter it will be dropped - until the bank turns it over to the next collection agency. Any help you can give to stop this situation would be greatly appreciated- not to mention stopping this practice being done to other XXXX  people. 

Thank you for your time and attention to this matter.