davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
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: 1st Franklin Financial Corporation (GA)

XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX  {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX  Dispute file XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) 1ST FRANKLIN {$5100.00} Account number XXXX XXXX  {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.
Consumer complaint received 2022-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MD)

THRU CREDIT MONITORING SERVICE OF XXXX I WAS NOTIFIED IN XX/XX/2021 THAT A COLLECTION HAD BEEN PLACE AGAINST ME FROM IC SYSTEMS. THE ORIRGINAL CREDITOR WAS XXXX  XXXX. 
I DISPUTED THE ACCOUNT WIT XXXX. THEY SENT INFORMATION TO CREDITOR TO VERIFY THE INFORMATION, CREDITOR AGAIN CONFIRM IT WAS MY ACCOUNT. I CALLED THE CREDITOR PERSONALLY AND THEY CONFIRMED THEY COULD NOT FIND AN ACCOUNT THAT MATCHED ANY OF THE FOLLOWING ; NAME, DOB, LAST 4 OF SSN, ADDRESS, EMAIL. IN FACT THEY CONFIRMED THE ACCOUNT IN REF WAS FOR SOMEONE WITH SIMILAR NAME, BUT LIVED IN NY. I AM IN MD. THE CREDITOR RECOMMENDED I DISPUTE AGAIN. WHICH I DID. XXXX SAID THE CREDITOR CONFIRMED THE ACCOUNT ONCE AGAIN. I CALLED AGAIN, THEY ONCE AGAIN CONFIRMED IT WAS NOT MINE. SO XXXX IS DISPUTING ONCE AGAIN FOR THE THIRD TIME. THE ACCOUNT # XXXX THE NUMBER FOR IC SYSTEMS IS XXXX XXXX XXXX
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

I have made multiple attempts to correct this directly with mortgage company. I have a conventional mortgage with Community Loan Servicing I have made multiple additional principal payments that have not been applied to the principal balance. When I utilize their online payment system I choose for payment to be applied to principal only. There are several payments that show a suspend status. We have made {$15000.00} in principal payments and my principal balance hasn't lowered by much. Please contact me XXXX to discuss further.
Consumer complaint received 2021-12-30
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: FCC Finance, LLC (GA)

XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( FCCFINANCE {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

XXXX removed account according to do XXXX and XXXX Dispute file numberXXXX XXXX XXXX Creditor has agreed to remove account FCCFINANCE {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX FCCFINANCE {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.
Consumer complaint received 2020-03-02
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. (GA)

I filed a complaint with all 3 credit bureaus on XX/XX/XXXX ( XXXX ) regarding an incorrect missed payment to XXXX XXXX XXXX ( XXXX ). XXXX admitted to being at fault for this missed payment and later paid the charge and remidied the account on their end. XXXX  and XXXX   removed the incorrect reporting, but TransUnion is the only one that is still reporting 2 missed payments on my Credit Report, instead of just one for a late payment in XX/XX/XXXX on my XXXX credit card ( which is reflected across all 3 credit bureaus as it should be ). See attachment - Highlighted text shows the incorrect reporting by TranUnion only.
Consumer complaint received 2024-04-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

On XX/XX/year>, I called Navient after losing my father 3 days before to let them know that my co-signer that was paying my student loans passed away and that I would not be able to maintain the current payment that he was making as I just had my XXXX XXXX XXXX XXXX prior. I was told that they would review and recalculate the amount that I would need to pay based on my financial profile. Navient never changed anything about my payment, they continued to suggest that I defer my loans which just increased the interest on my overall owed debt and eventually the amount that they were asking was far more that what I would be able to pay and live. I was never met with any type of doable payment and was even told the only way that other options would open up would be for me to lapse in payment and go into default. Eventually I gave into the suggestion. I made sure to answer anytime that navient called, even the times that they harassed me about where my co-signer ( e.g. my dead father ) was even after I provided them a death certificate numerous time. They frequently call my mother asking for my father ( her late husband ) causing her agony and grief. This company never intended to make my loans that faithfully had been paid prior to my fathers death payable, their only goal was to ensure that I would always be indebted to them and never have the ability to maintain a livelihood.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (CO)

We are an online e-commerce merchant and one payment method we offer is PayPal. Our PayPal account is configured so PayPal transfers daily sale collections to our XXXX XXXX XXXX account. 

On XX/XX/XXXX, PayPal notified us that {$970.00} has been transferred to our bank. When reconciling our account on XX/XX/XXXX we noticed that this transfer never was deposited to our bank account. 

XX/XX/XXXX - We called our bank and confirmed that the deposit was not completed to the bank. 

XX/XX/XXXX - We called PayPal to inquire why the deposit was missing. We were told that we need to wait 7 or 8 days to see if it shows up in our bank account even though other deposits after this missing deposit were transferred correctly. 

XX/XX/XXXX - We called back and told we had to wait an additional 72 hours. 

XX/XX/XXXX - Called PayPal and was told that a trace on the deposit was initiated ( ticket XXXX ), Wait an additional 36 to 48 hours. 

XX/XX/XXXX - Called PayPal and was told that the deposit was reversed and it would take a couple of days to show up in our account. 

XX/XX/XXXX XXXX XXXX said deposit was never reversed. Initiated a new trace ticket ( XXXX ) and he would give us a response in 4 days XX/XX/XXXX No response from PayPal. Called PayPal and spoke to supervisor XXXX. Investigative tech team still working on the deposit ( XXXX XXXX ). When pressing him as to when I should call back, we were told XX/XX/XXXX. 

XX/XX/XXXX - Called spoke to supervisor XXXX. Still no resolution on investigating the missing deposit. Said he would issue a XXXX XXXX of {$970.00} to our account while PayPal continues to investigate the missing deposit. It may take a couple of days to appear in our account. 

XX/XX/XXXX - Called and spoke to supervisor " XXXX '' who said the deposit was reversed and the case was closed. It took 2 hours on the phone with XXXX for him to research the issue and agree that the deposit of {$970.00} has still not been deposited to my bank account. Requested that a " Manager '' call me to clarify why PayPal 's investigative department has not found where the money was actually deposited to and as of today ( XX/XX/XXXX ) we have not received a callback and the missing funds have not been deposited to our local bank account. XXXX created another ticket XXXX.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Notice, it is a fact, I, the affiant is a consumer has the right to privacy pursuant to 15 U.S Code 1681 ( a ) ( 4 ). ( Experian_ has violated my privacy by furnishing private information about me without any lawful authority or my written consent. As a result, my credit worthiness, credit capacity, character, and reputation have all been damaged, resulting in emotional pain and financial losses. By furnishing a consumer report containing specific factual nonpublic personal identification information without a consumer written consent, ( Experian ) also in violation of 15 USC 1681b ( a ) ( 2 ). A consumer reporting agency must block the reporting of any information in a consumers file that the consumer identifies as information resulting from identity theft not later than 4 business days after the date of receipt by such agency, according to 15 USC 1681 c ( 2 ).
Consumer complaint received 2021-12-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (GA)

Hello, I received a installment loan from Regional Finance back in XX/XX/2021. I was consistently making payment throughout the pandemic until I was hospitalized due to XXXX and giving childbirth in XX/XX/2021. In a month when I was finally able to go home, I had to take " maternity leave '' since I just had a child, no job due to pandemic. I was unable to pay from this time until I started working. They ended up making a two months missed payment on my credit report. I was able to pay in full the amount I owed in XX/XX/2021. I reached out to the corporate office to see if they will make a goodwill adjustment this one time due to the pandemic and my unfortunate situation but they said there is nothing that they can do. 
When I checked my score today it updated today XX/XX/2021 stating that I still missed a payment even though it was paid in full. I don't think this is fair. I would like to purchase a home for my family and this is making it so much harder. I understand there was other steps I could have taken to handle this better. If you are able to help in anyway I would greatly appreciate it.
Consumer complaint received 2022-03-23
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX pulled my student loans out of deferrment. Sent me a letter stating i was 90 days late and they had reported it to the credit bureau. I contacted navient and told them my loans were fedral loans and that per the President of the United States i shouldn't be making payments. I was told the loan was a commercial loan and didnt qualify for that. I have never had a commercial loan EVER with a student loan because i didnt have the credit or capacity to do anything other than federal grants and aids. I explained that my loans went into default and i went through the process of making payments a few years ago to get them back in good standing, and that recently i started trying to pay interest only payments while in deferrment but nothing else happened on the loans. No one would tell me why my loans were switched to a commercial loan only that they were. I paid my loans all " current '' XX/XX/2021 with a {$410.00} payment and {$140.00} XX/XX/2021 and when i pulled my credit today XX/XX/2021 navient is reporting i am 2 months 90 days past due. They are lying and moving loans around to put me in default, please please help me.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I made a payment on XX/XX/2021 of {$310.00} which was the balance of my XXXX CapitalOne card at the time. I saw that the payment left my XXXXXXXX XXXX checking account on XX/XX/2021. I called today XX/XX/2021 and was told that my available credit would not be updated for 26 days because there was a " hold '' on my payment. I've never heard of such a lengthy hold. I offered to have them contact my bank to let them know that funds had been cleared. They kept saying it was a system limitation and have given me no reason for the hold and that is why I am complaining. I have a right to know why my money is being held. I also asked that they reverse the payment and they refused. They are holding my {$310.00} without explaining why. My ultimate concern is that they are preventing card holders from paying off their balances frequently so as to force consumers to hold a balance to earn interest.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (NY)

Ally Bank shut down my accounts today and withdrew {$2400.00} with no warning. I called them today and they could not give me the reason. They just said they had the right to do it as a part of my agreement. I know have to wait for checks to arrive in the mail in order to pay my Bills. This will cause me a lot of unnecessary work since I now have to change my direct deposit for update and update the accounts for all my ach transactions. The escalations XXXX disconnected the call when I requested a better resolution to the issue.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NY)

My father was involved in a devastating accident where he suffered a XXXX XXXX XXXX. Since XXXX, he has not possessed the XXXX XXXX to manage his financial affairs. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He spent about four months in hospital facilities before being transferred to a group home where he will likely reside for the foreseeable future. I called Barclays, who manages his XXXX XXXX XXXX XXXX, to inform them of his condition and request that his credit card account either be closed or downgraded to an account that does not have an annual fee. Shockingly, Barclays did not have procedures or protocols in place for handling such a situation where a primary account holder has become incapacitated and is no longer capable of managing adult responsibilities and obligations. I was then accused of trying to commit identity theft/fraud against my own father! The response I received from Barclays was preposterous and inflicted further harm on a family who is dealing with a very traumatic event. It also defies logic that such a request to either close an account or downgrade it to no annual fee, could somehow constitute identity theft. At no time during my conversation with Barclays did I ask for any personal or sensitive information concerning my father or his account. I simply notified Barclays of his condition and requested his account be closed or downgraded to no annual fee. After being accused of being a criminal and hung up on by " XXXX XXXX ( who refused to further identify himself with a last name or employee ID ), and then speaking to two supervisors, I was told Barclays would " handle the matter. '' They lied. We just received the most recent credit card statement seeking the annual fee and stating that the account is past due. Of note, the annual fee is the only outstanding charge on the account. All other charges have been paid in full since XXXX, with no other charges posting since. Barclays ' attempt to extract an annual fee from an individual who they know does not possess the requisite faculties to manage his affairs is illegal and unethical. They need to be held accountable for these transgressions.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

For over six ( 6 ) months, my husband and I have attempted to remove private mortgage insurance ( PMI ) from our home loan. As a middle-class family, we make every effort to reduce expenses so that we can save for retirement, pay medical bills, enjoy a modest lifestyle, etc. Due to the increase in our home value and because we made improvements to the home during our four ( 4 ) years living here, we contacted Wells Fargo for assistance removing the PMI. Wells Fargo informed us that we would have to have the property re-appraised. Wells Fargo mandated we engage XXXX to complete the appraisal, despite XXXX costing nearly {$300.00} more than ( the current rate ) the company that conducted the appraisal when we purchased the property quoted us ; Wells Fargo rejected our request to use a lower-cost appraiser. It appears XXXX outsourced the appraisal to The XXXX XXXX XXXX, located in XXXX, Texas. Although acknowledging we made over {$20000.00} worth of improvements to the property - including, but not limited to, installing guttering, French drains, stone pathways, and a built-in closet, remodeling 3 rooms, etc. - since we purchased it, the appraiser did not agree that those improvements increased the value of the property. We disputed this claim through Wells Fargo, but the appraiser did not change its position. The property was appraised at the appropriate value, however, due to the appraisers position on the improvements, we are currently unable to drop PMI. My husband and I believe the standard by which the appraiser is measuring the benefit of the improvements is unrealistic, especially considering properties in the neighborhood are completely renovated and " flipped ''. We would like the PMI removed.
Consumer complaint received 2021-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC (CA)

Today XX/XX/2021 I received a call from what looked like a local number but apparently was a spoofed number to looked local to get me to answer it. I asked who it was and she said her name is XXXX XXXX from national credit adjusters. If they are a legitimate company it strikes me as odd that they are spoofing theyre real numbers and making it look like theyre calling from the XXXX county sheriffs department or a city of XXXX employee number just to get people to answer the phone. She asked for all of my personal information such as date of birth and Social Security number. I advised her I was not comfortable giving my information over the phone to a fake number and politely asked if she would send me any documents she wanted to discuss by mail and to no longer contact me by phone. She proceeded to start yelling demanding I give her a what she said was a new mailing address because she didnt have one on file for me and wanted my Social Security number. I again politely advised her I would not be confirming or giving any details over the phone and to please send me information by mail and no longer contact me by phone. She began to yell again get extremely rude use foul language and call me out of my name rudely. I then hung up the phone. I dont know who this company is, I dont have any business with them and I will certainly not be providing any of my personal details to a company who doesnt even use a real phone number when they call.