davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX. {$2400.00}. XX/XX/XXXX XXXX5 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 2022-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Three weeks ago, my bank notified me of questionable & fraudulent activity in my accounts at Capital One. Since then, my accounts are locked down and when I call, I'm routed to the Consumer fraud division 's section & my only option is to leave a voicemail.

The voicemails aren't responded to and I'm unable to verify if or when my Ssa has been deposited or any news of when I can retrieve any funds.
Consumer complaint received 2022-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company (PA)

On XX/XX/2022 I received a letter from, '' Commercial Acceptance Company '' alleging that I owe a debt. Pursuant to 15 USC 1692g ( a ) ( 3 ) I am making it clear that I completely disagree with this alleged debt, and I am disputing the entire amount they are claiming. I owe. I am disputing this alleged debt within 30 periods prescribed under 15 USC 1692g I am demanding they send me verification of this alleged debt or a copy of a judgment. Lastly, my failure to dispute the validity of this alleged debt can not be construed as admission of liability by any court 15 USC 1692g ( 2 ) ( c )
Consumer complaint received 2021-09-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

I got theirs response as always out of the facts they send me the same all the time XXXX I got i loan modification I paid a lawyer I paid at the time {$12000.00} in the new money they called and I was supposed to start new but shellpoint morgage servicing his partner in crimes XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX the again changed for lawyer fees court fees and any kind of fees then in XXXX again when shellpoint took over they came telling me they will foreclosure my house couse I owed them over XXXX in in their response they said they don't know what happens before but they know I owed over XXXX they even claimed my wife was on the contract in the mortgage and she did bankruptcy on even before I got my loan modification well that's what they say I don't know why o the purpose of it. XXXX  XXXX XXXX is well-known for his corrupted way to make money like countrywide and shellpoint but they keep charging for money fees they make it up that's why in their response shellpoint morgage servicing send paperwork from before XXXX and they can't tell where is the money i owed this corruption at it's best
Consumer complaint received 2021-09-04
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: U.S. BANCORP (GA)

I contacted US Bank about fraud on my credit card. US Bank stated that I wouldnt be responsible for any of the charges. I filled out paperwork for fraudulently charges and filed a fraud report. US Bank closed the card and removed the charges. US Bank closed the account and sent me a check {$6100.00}. I didnt authorize anyone to make any charges on my account. US Bank have now put the charges on my credit report. This is fraud. How can they put something on my credit report I didnt authorize? Im not responsible for fraud. I want US Bank to remove and clear all negative and derogatory reporting on my credit report.
Consumer complaint received 2022-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Acquired new mortgage XX/XX/2021. Paying extra for principal reduction every month and every month it is misappropriated. Have made several calls and emails about this to correct and asked that a note made on account to correct future mistakes. Same mistakes continue. Property taxes were never paid out of our escrow account even though we have more than enough in escrow. Got warning letter from tax collector that house was going to tax deed auction. I paid the taxes plus late penalty and fee to taxcollector out of our checking account. Called XXXX  company about this and have been passed to multiple representatives who are equally inept to help us in what seems like a straightforward and easy administrative task. It is now XXXX and we have not received our tax money refund from escrow. We have received a letter saying they need more time. after many attempts and wasted time we are at a dead end with this untrustworthy, incompetent organization pretending to be a mortgage company. We need help getting our money back and ensuring they start managing our funds appropriately. Homeowners insurance is due soon and that's also in escrow. I dont have faith in this company after their performance for 9 months.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc. (MD)

I paid my credit card payment in full in cash to Self on XX/XX/2022. The full amount was debited from my XXXX XXXX bank account. 

Self refuses to post this payment, knowing that the funds have been taken from my account with me paying an extra {$3.00}. My account is in good standing and not late. I should have have to pay to have my payment posted to my account.

This pay-to-post is new for Self. I had routinely posted my account during the last year and had it posted to my account within 24 hours until the last two months.
Consumer complaint received 2020-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} balance and XXXX XXXX Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX balance and that I am in good standing with a XXXX   balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.
Consumer complaint received 2023-05-07
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. (TX)

I'm literally a freaking victim & this is illegal!! I've reached out several times & when I did reach out I received a XXXX customer service agent that wasn't interested in doing their jobs! I have told you people numerous of times that I was a victim of identity theft!! For XXXX sakes, the IRS HAS TO ISSUE ME AN IP EVERY YEAR SINCE 2017 due to someone accessing my info & trying too use it to file taxes!! 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 


I'm disgusted that this reporting agency continues to report this inaccurate information!! This has had a negative impact on my life!! If this company doesn't find the correct solution for this problem, I will be seeking legal action!!
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (DE)

Received a text containing the following scam message... 

Your M & T debit authorize code is XXXX. M & T will never contact you to ask for your code if this wasn't you secure your information here XXXX XXXX XXXX secure immediately to stop payment.
Consumer complaint received 2023-02-27
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. (IN)

I sent a letter out on XX/XX/XXXX Experian, XXXX, and XXXX. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law 15 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo had a major service outage in XXXX of XXXX. I have been unable to access my Wells Fargo online account since that time. 

All of my statements were previously received exclusively through Wells Fargo online, which I am unable to access since XXXX of XXXX. 

I switched to another bank in XXXX of XXXX, because Wells Fargo was unable to help me re-establish access. This was after speaking with several people via telephone and in-person. 

I kept my credit card open, because it was my oldest card. But I stopped using it, because I was no longer receiving statements. 

In XXXX of XXXX, Wells Fargo reporting me to the credit bureaus for non-payment. This was surprising, because I had not been using my credit card. And, Wells Fargo made no attempt to contact me before ruining my credit. 

The charges were obviously fraudulent, because I had not been using my Wells Fargo credit card. I reported the charges to Wells Fargo, and they agreed to remove them. I have a letter in writing where they agreed to this. 

Wells Fargo reported me again in XXXX of XXXX. Apparently, they never removed the charges like they said they would. Credit score drops again... 

I still don't have any statements. Don't have any idea what these charges are. Or who made them. 

I visited a branch in XXXX of XXXX. They said they were going to open an " executive case '' or something. I've never heard anything. 

I blindly started sending money to Wells Fargo in XXXX of XXXX. I didn't want them to ruin my credit again. Apparently, I got everything paid off during this time. Although, I still didn't have any statements. 

I talked to someone on the telephone in XXXX of XXXX. Very rude and unhelpful. Completely denied Wells Fargo 's role in this fiasco. 

I started submitting complaints, letters, and disputes to various agencies. Trying to find someone who would help. 

In XXXX of XXXX, I received a XXXX  package. It had statements for my credit card account. But, not my checking account. I was able to verify that all of the credit card charges were fraudulent, and not initiated by me. I sent a letter to Wells Fargo, again asking them to remove these charges -- like they originally agreed to do in XXXX of XXXX. 

It also contained a letter claiming that there's records of me accessing Wells Fargo online. This is a little infuriating. I am still unable to login to Wells Fargo online. I suspect that their records are incorrect, or that they are incompetent. Or maybe, they just don't want to admit what's been going on.
Consumer complaint received 2022-06-02
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. (OH)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX # XXXX. {$11000.00}. XX/XX/XXXX XXXX XXXX. # XXXX {$0.00}. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. {$17.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. {$0.00}. XX/XX/XXXXXXXX XXXX # XXXX. {$2400.00}. XX/XX/XXXX 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 2021-09-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

I have a VA home loan serviced by Freedom Mortgage since XXXX. Automatic payment set up through my bank, always on time, no problems until we refinanced with them in XX/XX/XXXX. Then the roller coaster ride began. 
Currently F.M. has requested a supervisor investigate the issue. The issue is a chain of errors starting with their escrow department having us on record as uninsured since XX/XX/XXXX. Our original loan and the refinance documents clearly include an escrow account with F.M. to pay taxes and insurance. Evidence of Insurance was included with the refinance. Mysterious. 
Well the chain continues with subsequent escrow analysis based on incorrect records, then incorrect ( lower ) monthly payments, refund of balance in escrow account, failure to act to ( multiple and timely ) requests from XXXX XXXX to pay the annual premium, a new escrow analysis and a new ( higher ) monthly payment, those same monthly payments held in suspense and not applied, late fees. 
Since Ive dug into this matter a month ago, F.M. has waived the late fees, naturally and applied my payments. Their Customer Care department also want {$2000.00} from me to cushion the mysteriously on-record/off-record escrow account. Their loan officers want me to refinance with them again yet are unable to help me resolve these issues. 
Id like to have an explanation ( a real and true one ) for the vanishing of the escrow account, some renumeration for the time and patience Ive had to employ to educate F.M., investigate the matter and do myself what I actually pay F.M. to do : accurately maintain my loan and escrow account. I dont do this for a living but they do. Beyond all this Id like to trust my Loan servicer to do what they agree to do in the loan agreement. At this time that servicer isnt Freedom Mortgage.
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (IL)

I lost my job in XXXX of XXXX due to XXXX  hardships with my employer. Due to being on unemployment for several months at a much lower income and then having to take a job at a salary of more than $ XXXX less annually, I could not afford to pay my high rate interest credit card through Citibank. I opened this credit card in XXXX of XXXX and was never late on a payment, and always paid at least the minimum amount due. When I was in tremendous financial hardship due to XXXX however, Citibank was unwilling to work with me to try and work out a payment plan, all the while charging me over 25 % interest each month. 

My mortgage lender ( XXXX XXXX - XXXX XXXX ) was so helpful and offered me a loan forbearance plan to where I could pause my mortgage payments and nothing would be reported to my credit that I was late or behind in payments, and I am not being charged any finance charges or late fees. My mortgage lender is still being so helpful and working with me again now and they have extended my forbearance plan XXXX times so now it runs through XX/XX/XXXX. In addition, my auto loan company ( XXXX XXXX XXXX ) has also been so helpful and has allowed me to make my monthly car payment in XXXX installments each month with no interest, late fees or penalties. 

Citibank on the other hand, is a predatory lender and has been completely ruthless, repeatedly calling and harassing me and demanding I pay the full amount that is past due plus the new finance charges that accrue each month, even though I haven't used this credit card since XXXX. 

I know my rights outlined by our United States Constitution and what Citibank is doing is unlawful by charging me such an outrageous interest rate and late fees. 

My credit scores were in the mid to high XXXX 's in XXXX and now I am barely in the mid XXXX 's now. 

Citibank ( XXXX XXXX XXXX I, XXXX, as Assignee of Citibank , N.A . ) has filed a lawsuit against me ( Case # XXXX in XXXX XXXX, Illinois ) and I have to appear in court on XX/XX/XXXX to defend myself. I can not afford to hire a lawyer to help defend me. I can't even afford the nearly {$6.00} per gallon of gas each week to get to and from work, let alone food for my family and I have been a struggling single mother for almost 18 years. 

I really need your help. Thank you for your time. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-09-04
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 (PA)

I have a capital one credit card and I have missed some payment back in XXXX and XXXX. I was having some financial hardship at the moment and could not make those payments. Since then, I have faithfully made all my payment as things got better for me for the past 2 years.
Consumer complaint received 2022-06-02
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: EQUIFAX, INC. (VA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX HARD INQUIRIES THAT I DID NOT AUTHORIZE
Consumer complaint received 2022-06-02
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

On XX/XX/2022 I submitted a my annual employer certification form for Public Service Loan Forgiveness form FedLoan Servicing to update the counts towards loan forgiveness on my student loan account. Having not received any feedback or status update on the submitted employer certification form, I called FedLoan Servicing in XX/XX/2022 to determine what is the status of my employer certification and updated counts. I was told by a customer representative that they are unable to provide me any feedback on where in the certification process is my employer certification form because they have a backlog and it may take " several months '' to get to my application. I was advised to follow-up " in a few weeks. '' I followed-up with FedLoan in XX/XX/2022 and on XX/XX/2022. On both occasions I was told that FedLoan has a large backlog of applications they are working through and as such it may take several months to process my application. On both occasions I asked where in the certification process is my application and the customer service representatives noted that they can not provide me with that information. 

On XX/XX/2022, the customer service representative I spoke with ( name : XXXX XXXX asked whether I would like to be transferred to the PSLF department at which point I answered " Yes. '' I also asked XXXX for the direct number to the PSLF department and was told there is no direct number and I need to call the main FedLoan number and ask to be transferred to the PSLF department, if needed. After being transferred to the PSLF department I received a voicemail message noting that they are busy and I would need to wait 20mins for my call to be received. I opted for a call back. It has been more than an hour and I have not received a call back from the PSLF department. 

I am submitting this complaint because at this point it is egregious to have 20 loan payments not accurately reflected in my count towards loan forgiveness and consequently time being added to how long I can wait to apply for forgiveness, although I am employed by an eligible employer ( not-for-profit organization ). Each year I have submitted my employer certification and verified my income to be able to receive accurate counts towards forgiveness yet FedLoan is essentially forcing individuals extend the life of their loans by not updating borrowers ' payment counts.