davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WYNDHAM CAPITAL MORTGAGE, INC. (MI)

On XX/XX/2021 we applied for a refinance on our primary residence with Wyndham Capital Mortgage. Due to the low rates, on XX/XX/2021 we added a refinance of our rental property in Florida. By early XXXX, we completed every bit of documentation was requested by Wyndham. We were told that an appraisal was not needed on our primary residence, but an appraisal was ordered for our rental property and completed on XX/XX/2021. On XX/XX/XXXX, when we hadn't heard back, we inquired with our representative from Wyndham, who has been very helpful and efficient, why were we waiting to close the loans. We were finally told that they were waiting for a rental schedule from the appraiser. I called the appraiser directly and asked why it was taking so long. He told me that Wyndham didn't order the rental schedule and now he could not do it. He said " They should have ordered the schedule when they ordered the appraisal ''. Today, XX/XX/XXXX, I have been told that they can not do our refinance at all because they can not find an appraiser to do the rental schedule. We have been working with Wyndham for 4 months, they should have known this months ago. We have lost our window of opportunity for the low rates that were available in XXXX. I have the documentation on dates, emails, phone calls etc. Also, dates of when documents were provided are on the Wyndham Capital Mortgage portal.
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am having a problem with a debt collection company which I have previously disputed but which has not assisted me nor provided the documentation to sufficiently verify debt to me. The company is Midland Funding and while they mark account meets FCRA requirements they have actually not met the requirement because they have never responded to my inquiries. I am asking this organization to help mediate this matter and provide the oversight that Midland Funding so obviously lacks. 
The account held by them in unknown to me.
Consumer complaint received 2020-03-18
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. (NV)

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 : OKLAHOMA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU 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 : OKLAHOMA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDU 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 : OKLAHOMA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX US DEPARTMENT OF EDU
Consumer complaint received 2020-03-19
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. (WI)

On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXXXXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In 2017, I began a 3 year lease and set up an automatic payment with XXXX XXXX with my checking account. For the 3 year period, I made payments as planned. The last few payments I made were not accepted by XXXX XXXX. They claimed that a tax change to the lease changed the payment amount so they could not accept payment. When they began calling from unknown numbers, I was traveling and did not pay attention to this until a few weeks later. 
XXXX XXXX refused to accept payment and reported to the credit bureaus that I was missing payments. This should not affect my credit score and I asked XXXX XXXX to rectify the error. Even though the remaining lease amount was paid in full before the end of the lease, they refuse to even make an attempt to change my record. 
I've disputed the issue with the credit bureaus and most I've heard back is that XXXX XXXX told them that the erroneously reported late payments are correct. 
I never missed the lease payments and was making them on time. XXXX XXXX is at fault ( if anybody ) for refusing to accept my payment, but they took it a step further by putting a negative mark on my credit report. I should not have bad credit for missing phone calls. 
Attached is a statement from the beginning of the lease showing an auto payment deduction from my checking account.
Consumer complaint received 2021-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Profit Recovery, Inc., Marlborough, MA Branch (GA)

Today, I got an alert " new potentially negative information '' in my credit report. I found that American Profit Recovery claims I owe them {$100.00}. This may relate to an account with Unlimited Lawncare, which was opened in XXXX, XXXX. I've had no communication with American Profit Recovery. XXXX XXXX of XXXX XXXX XXXX XXXX retired and sold our account to Unlimited Lawncare. He serviced us honorably for over 25 years. I prepaid XXXX XXXX for a year, but had trouble with the service from the beginning. I made several phone calls and appointments ( all, but one, unkept by the company ). I never caught them servicing in the neighborhood, as I often did with XXXX. Moreover, they stated that they would spray ivy, which was in the rear of the property, and was the reason for the missed appointments. They apologized each time an appointment was missed and assured me that the ivy would be sprayed. They finally kept an appointment & sprayed on XX/XX/XXXX. That was the only visit that I was able to personally verify for the year of prepaid service. I've told XXXX XXXX that if any monies are owed, they're owed to me. I neither renewed nor intended to renew. If XXXX XXXX is the basis of this negative entry in my credit file, then I'd like American Profit XXXX to remove the negative entry or prove the debt. If not, I ask XXXX XXXX to both identify and prove any other debt. I pay all my just debts, many before they're due. I've earned an exceptional credit score over many years and take this matter very seriously.
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (MA)

Golden Valley Lending sent me a letter dated XX/XX/2020. I received the letter from Golden Valley Lending on XX/XX/2020. The letter stated that there was an unresolved balance on the account. I called Golden Valley Lending on XX/XX/2020 @ XXXX. And spoke to XXXX a customer service representative at Golden Valley Lending to inform him that I had been the victim of fraud and that my identity had been compromised. He stated the the funds had gone into a XXXX  XXXX XXXX account but couldnt disclose the amount. 
He immediately asked me to send an email to the complaints department. On XX/XX/2020 I was contacted by Golden Valley Lending XXXX XXXX VP of Golden Valley Lending Complience via email at which it was disclosed that the loan was taken out for the amount of XXXX dollars. 
The email had an affidavit attached for me to fill out and notarize. Since my correspondence with Golden Valley Lending I have done the following : 1- Contacted my bank to confirm any fund transfers from Golden Valley Lending. There were none.

2- Contacted XXXX Police to file a report 3- Contacted XXXX XXXX XXXX to see if there was an account opened in my name. There was no account in my name opened.

4- Contacted credit bureaus
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

In the middle of XXXX, XXXX, I went online to my checking account and I was completely in shock as to what I saw. My checking account was severely overdrawn, by several hundred dollars, because a mobile app came in that said Capital One in the amount of {$510.00} paying off my credit card in full. It put me in overdraft. The first thing I did was go to my bank and talked to the bank manager, XXXX, and told her what happened. She said all she could do was take 25 % off of the overdraft fees. She told me when I called her on XX/XX/XXXX, that I told her that I overspent on my acct, a lie. Well, while I was working on finding out what happened, my small SS check came in and paid the overdraft, which left me only with {$500.00} to live on for the rest of XXXX, XXXX. This was a supreme hardship, as I am a senior citizen and have no other income. I have been calling Capital One, and they said they can not do anything. On the morning of XXXX, XXXX, I went online, to Capital One to make a copy of my XX/XX/XXXX statement and it would not allow me to access that statement. It was the only month that I could not click on to get access. When I called Capital One, the man told me that I must be using the wrong browser, and I told him that I used XXXX and XXXX, which I always used to be able to get any month that I needed. I need to see my XXXX statement that Capital One is withholding from me. XXXX XXXX, where I made the claim told me on XX/XX/XXXX that they said the {$510.00} mobile app came into my checking account on XX/XX/XXXX, another lie, and if I can see my XXXX statement at Capital One, it would prove that. On top of all that, my credit score dropped 100 points, because I did not have enough money to make a payment.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I signed up with XXXX  XXXX a year or so ago. I have no upgraded account, its all supposed to be free. I never gave my debit card info but I had a bank account linked. Ive been charged {$21.00} for months now by TransUnion. I noticed it late because I thought it was a different bill. Theres no option to look at what Im being charged, to cancel it, or to delete my account. If you call the customer service number they wont let you talk to a person and they put you on hold for hours. When I finally got ahold of someone, I was told it was for offline services and I needed online services and given a different number. The other number is impossible to get ahold of someone. I was charged a {$1.00} on XX/XX/19 and then charged {$21.00} on XX/XX/19. Ive never used Tran union.  Theyve charged me {$21.00} every month since then. Always on the XXXX or XXXX. So theyve taken almost 300 dollars from me that I didnt approve of at all. I dont even know how they got my card number. Id like my XXXX  account deleted. I want it gone. I wont be using it anymore. Its supposed to be free and the boosts wont even work anymore, Im assuming since I refused to upgrade my account. I plan on shutting my card off and getting a new one and filing fraudulent charges for what I can, but I should be reimbursed the money that they took. I was never using Tran union services and I couldnt even use the XXXX  services I was offered.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

In XX/XX/2018, I incurred a charge on my credit card for {$6.00}, which was initiated by 5th/3rd Bank ( not me ). I never received a formal letter or statement on this charge and was subsequently charged late fees of {$84.00} on this {$6.00} charge. During this same period, my 5th/3rd checking account had a balance of {$60000.00}. As soon as I became aware of the balance due of {$90.00}, I paid that amount immediately. The late pay of the {$6.00} and subsequent late fees charged in successive months show up as separate instances of late payments and these are the only derogatory item on my credit report. I have attempted to have these derogatory items removed from my credit report by contacting the credit reporting company and contacting 5th/3rd bank. the bank will not allow me to dispute these credit reporting items. 

I contend that I was not adequately notified of these charges, as I had the money to pay the original {$6.00} in my checking account ( balance of {$60000.00} ) and could have easily transferred the money to pay this credit card balance. Additionally, the late fees of {$20.00} per month and the reporting of these late fees as separate charges to the credit bureau is inappropriate.
Consumer complaint received 2020-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I called USAA on XX/XX/2020 when I knew I was going to have a problem to the USAA collections department. They said the account was not here and sent me to the Auto loan department. The bill was due on XX/XX/2020. So at the time of the call the account was not late or past due. I called again asking what they were doing with Covid-19 nothing was said. I go into a chat today on XX/XX/2020 who tells me my account is over 30 days past due and that they can not do any deferment like I was asking on XX/XX/2020. I get XXXX on the call now XX/XX/2020 at who tells me 30 minutes after XXXX XXXX in the chat that the account is 4 days and they can not do anything
Consumer complaint received 2020-03-19
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. (MD)

On XX/XX/2020, I applied for a refinance loan with my same current mortgage company, XXXX XXXX, simply to get a better interest rate and to also get rid of having to pay PMI insurance fee. 

Prior to applying to the refinance loan my credit score was listed at about 634 through both XXXX XXXX and also XXXX XXXX  which is available to me through XXXX XXXX credit card. 

After the " hard inquiry '' credit check was done, I received an update that my credit score had changed. At this time, I was shocked to see that my score dropped a whopping XXXX points or so to a score of XXXX. 

I'm filing the complaint because this has got to be considered an excessive drop and I can not believe that there are no standards as to how much the reporting agency can drop your score for a credit inquiry. I am especially shocked because this is a refinance of the same loan amount and for a shorter term limit. It is crazy to me that these reporting agencies are NOT held more accountable -- -- please advise. 

Thankyou, XXXX
Consumer complaint received 2024-04-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (AZ)

Venmo customer service agent : Agent : XXXX : XXXX XXXX XXXX XXXX Can not issue refund on any of the transactions. Not able to compensate for 32 % interest the customer is now facing with their credit card company compounding interest.

Reference number to call/complaint : XXXX Associated Complaint : XXXX XXXX XXXX XXXX XXXX Credit Card Company I placed a Phone call at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint when I noticed I was wrongfully charged a Cash advance fee by XXXX XXXX XXXX for a rental payment transaction through Venmo on XXXX different charges : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The representative claimed it was for a Venmo Cash Advance fee- After consulting with her supervisor XXXX  the XXXX XXXX Customer service agent refused to reverse the fee. I filed an official complaint with their company and requested a copy of the phone call conversation. I was told I could not pay off the amount to remove the fee but instead would be required to pay the entire credit card balance off in full to get the " cash advance Fee '' to stop compounding interest on my balance.

Fee Complaint Report Case ID # XXXX XXXX XXXX Phone customer service agent : XXXX XXXX : XXXX
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by Capital One to neither CRAS ( XXXX, XXXX, XXXX ). 

CAPITAL ONE did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Capital One is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. 

I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by Capital One for the account opened XXXX XXXX.
Consumer complaint received 2020-03-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I have went to XXXX and XXXX University. Navient said they would pay my interest and hold off on my loans since my income was low. I keep getting bills from them and my loans have increased by {$80000.00} and interest accruing still. It is hurting my credit.