davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

On XX/XX/XXXX- I tried to pay my XX/XX/XXXX payment using the online services on NewRez website. When I selected the XX/XX/XXXX payment and the computer must have autoselected the XX/XX/XXXX payment, so when the payment went through, it was for two payments {$2100.00}. I only had enough money in my account for one payment. I called NewRez when it opened and was told by one of the representatives that the transaction would be cancelled and I could possibly resubmit the payment by the end of that day. That did not occur. 

XX/XX/XXXX I received a credit of one payment to my account XX/XX/XXXX I called and spoke with a NewRez representative " XXXX. '' I told him that money was deposited into my account and that I was unable to pay my mortgage using the website. XXXX advised me to leave the money in my account over the weekend and that NewRez would recognize their mistake and take the money back out of my account. 

On XX/XX/XXXX I called NewRez and was transferred to the XXXX XXXX side of the company. I spoke with XXXX XXXX who told me that I owed {$5100.00}. I was transferred ( escalated ) to XXXX XXXX who said he would return my phone call after he investigated my claims. 
On XX/XX/XXXX I spoke with XXXX XXXX by phone ( XXXX ), who called me to tell me that I was behind three months because I had a NSF on XX/XX/XXXX. I asked XXXX XXXX why my XX/XX/XXXX payment was not credited to my account and why did I receive a payment credit to my account from NewRez. He did not have an answer. He said he would escalate my account and that someone would get back with me. I asked him why I could not pay my mortgage online and he said that there wasn't any restrictions. 
I attempted to pay my mortgage online XX/XX/XXXX and was unsuccessful. I received a message that stated that my account was more than 3 months overdue for payments. 

XX/XX/XXXX sent a paper check to the payment address in XXXX. When I returned home, I received certified mail that stated the correspondence was " Notice of Default and Intent to Accelerate ''. The letter states that I owe a sum of {$5100.00}. This sum includes late fees from another lender that were in dispute, because just like this lender, the past lender accused me of not making payments when I did. The previous lender also tried to charge me for attorney fees when it was determined by CFPB that I was correct. The letter states I have 45 days to cure.
Consumer complaint received 2018-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have been charged insufficient funds and overdraft fees several times over the past few years by Capital One. The reoccurring issue is that some charges will be rejected, and I will be charged a {$35.00} fee, while other charges will be paid, and I will still be charged a {$35.00} fee, which sometimes exceeds the amount of the charge which was rejected. 

I have been told by customer service to deposit more funds as a solution. I have been told that an algorithm decides which charges to cover and which to reject. 

The total amount of NSF fees paid each year amounts to more then what a payday loan might charge ... 

I hold two capital one credit cards which are not taken into consideration or able to be linked to the account to cover said charges.
Consumer complaint received 2020-01-15
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: SYNCHRONY FINANCIAL (MI)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX inquiry All of these are inquiries were reported to my credit without authorization!
Consumer complaint received 2020-03-08
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 — Problem with personal statement of dispute
Company: Flagstar Bank, N.A. (MI)

I have sent numerous letters to Flagstar Bank and the credit bureaus XXXX, XXXX  and XXXX.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.
Consumer complaint received 2020-03-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent numerous letters to XXXX XXXX  and the credit bureaus XXXX, XXXX  and transunion.I feel that the decision was unfair due to the circumstances.In the event of the information being erroneous and outdated. I have been caused a great deal of stress and anxiety due to my current status of applying for a home loan. I was denied credit due to the late payment. It is also reporting 90 days on one report and 30 days on the other.My credit is very important to me.I take full responsibility for my actions that was not in my ability to control Life happens. Unfortunately, at the time of the incident mentioned above, I had accident that caused me miss a payment hospital stay/injury. I am asking that the late payment be removed and I have a plan to avoid this happening in the near future. My payment history is 99 % which is excellent.
Consumer complaint received 2020-01-14
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. (IN)

On XX/XX/2019 I contacted the following credit bureaus : XXXX, XXXX and Transunion. Each bureau was notified that the following accounts being reported to my credit file doesn't belong to me and is false information being reported and should be removed immediately from my credit report. I've filed identity theft with local and federal law enforcement agencies as well in regards to this matter. The following accounts are being reported to my credit report and are false : XXXX loans {$96000.00} Auto loan {$15000.00} Collections {$880.00}
Consumer complaint received 2020-03-08
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 am speaking about Transunion, XXXX, and XXXX. The report shows I owed money to the company that I have already repaid. On some of the reports it has duplicate. They are student loans ( dept of education ), some have XXXX also reporting.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CW Financial (CA)

On XX/XX/18 i contacted XXXX XXXX at crest wood XXXX   apartments regarding forfeit my lease due to an family emergency which resulted into me having to move back to XXXX. I was given a pay off balance of XXXX to forfeit my lease. I was given a payment plan which i also gave a date when i was moving out. On XX/XX/2018 i contacted XXXX XXXX via phone stating i had already moved out and i had sent my payment via money order with the keys by mail. I also contacted XXXX XXXX asking for a copy of my pay off plus a copy of my forfeit agreement however leaving numerous of voicemails XXXX nor XXXX never called back. We communicated a lil thru email, where XXXX stayed she had received my money order of XXXX. She never contacted me back after. So i felt everything was done and paid off until i was placed in collections stating they never received anything from me and i have every money order & email that was sent between the three of us. Ive tried contacting XXXX XXXX myself to resolve the issue and no one called me back or anything. Ive been trying to get this removed from my credit for a year now Ive paid them and gave the keys back to the unit. By me not being an XXXX  native i feel like they mistreated and placed it on my credit to keep me from moving back home to XXXX. Ive been homeless since behind XXXX and XXXX unprofessional behavior with me.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (MI)

I have made several attempts to resolve this issue with Southwest Credit but no avail. Southwest has called me countless times threatening to pursue action on a debt that doesn't belong to me. Upon talking with Southwest I ask them to send me a validated correspondence of said debt with my signature and, yet I have not received anything stating that I am the owner of said. I have also asked for Southwest to stop calling me but they continue to call all day long. According to the FCRA and the FDCPA it's my lawful right to have validity of said debt. I have also called XXXX and asked about said debt and they informed me that, the debt was a fraudulent account and they don't have any other information on file that can be shared with me. I asked XXXX how can you place fraudulent account with a credit agency? And again XXXX said they couldn't give me any answers other than it's not my account. Again, no one has sent me out any paperwork or a contract stating that they serviced me.
Consumer complaint received 2022-02-22
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. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-03-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I attempted to purchase an XXXX XXXX off of a seller on the site XXXX on XX/XX/2020 for {$350.00}. The money was sent via XXXX and I paid for it using my Bank of America debit card. I've attempted to notify XXXX and XXXX but I was simply instructed, by XXXX, to request a " reversal '' of the funds. I tried to do so, however I was blocked and was unable. I disputed it with my bank however they declined my dispute.
Consumer complaint received 2020-01-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

We have received multiple letters saying we need to have more flood insurance. We have provided multiple documents showing that we have more flood insurance than the loan amount. 
They bought more flood insurance and billed us for it. They just send a generic rejection without giving us guidance as to what amounts we need and WHY.
Consumer complaint received 2020-03-08
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. (TX)

Filed a written account dispute claim with Experian that was processed on XX/XX/2020. The claim was for an account I did not recognize and requested the lender and the debt collector provide verification documents regarding an account with XXXX XXXX XXXX/XXXX XXXX, XXXX debt collector. I also sent a written notice to the lender and the debt collector requesting verification documents. I received my latest credit report today XX/XX/2020 from Experian and the account in question is still listed. Subsequently, I immediately checked the status of my dispute with Experian to see what the results, if any, had been provided. According to the Experian dispute center this account is STILL under investigation. It has now been 35 days since the dispute was filed and verification documents were requested. According to the Federal Trade commission guidelines set forth in the FCRA the investigation is required to be completed within 30 days. Also, the information is to be blocked during the time of the investigation. As this is day 35 of the documented start date of the dispute, all parties involved, Experian, the lender and the debt collector are in violation of the statute. I have not received any documentation validating the accouts, I have not received any correspondence whatsoever from anyone regarding this dispute. The fraudulent account to this day remains on my credit report and has been cited by several lenders as reason that I was denied credit. I expect Experian, the lender and the debt collector to immediately stop furnishing information on this account and since the time allotted for such as dispute is far past the 30 day mark, this is a direct violation of the FCRA and it is my sincerest hope this complaint will result in the removal of the account from my credit report immediately thus preventing a court ruling to remove the account.
Consumer complaint received 2020-01-14
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. (NY)

I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there. I have no contracts with these companies, and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2023-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TX)

XXXX XXXX XXXX issued emails identifying 'past due ' report by Affirm. Also received emails from Affirm of past due account. Called Affirm XXXX times ( XXXX ). Results on the first XXXX calls ( XXXX and XXXX ) were that the account number ending in XXXX as well as loan XXXX XXXXXXXX were not valid Affirm accounts. Third call resulted in XXXX finding an account under my email with a different phone number and address. She initiated a fraud alert responsibly. 

I have opened a id theft case with my XXXX XXXX XXXX 's office as well as engaged XXXX to dispute the credit impact.
Consumer complaint received 2022-02-22
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-22
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-12
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: Chime Financial Inc (CT)

I disputed a transaction through chime because I never received my ordered goods from XXXX. This was a month ago, and I still havent received my goods. The charge was for {$280.00}, and chime closed my dispute after a week and I lost. Im pretty sure the person who did my dispute ( over the phone ) didnt properly dispute the charge. They probably either didnt put enough info or reported it as a unauthorized transaction. This is completely unacceptable being I did not receive the goods I paid {$280.00} for my name is XXXX XXXX, my phone number is XXXX, and my email address is XXXX. Contact me as soon as possible.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I was told if I paid the overdraft balance owned on Account ending in # XXXX that the XXXX reported information be removed. The balance was paid XX/XX/XXXX {$420.00} and got my XXXX report back in XX/XX/XXXX still shows bank of America reporting the debt. I called today XX/XX/XXXX to Bank of america recovery department told them I paid said shows it paid but they can`t remove it from XXXX before I was told the balance was paid it`ll be removed
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (WV)

I have been the legal financial conservator for my daughter, XXXX XXXX, since XXXX, XXXX. Truist Bank ( at that time, BB & T ) has had documents on file since XXXX, XXXX when I opened the conservatorship accounts. 
On XX/XX/XXXX, my daughter went into the bank and withdrew {$7000.00} from her accounts. I went to the bank and filed Affidavits of Fraud for these illegal withdrawals. I innocently told the bank that my daughter used these funds to buy a car. The bank wants proof that I have returned the car before they will consider replacing the funds. 

Are you able to help? 
I am deaf so email is the best way to contact me XXXX XXXX
Consumer complaint received 2023-05-15
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with XXXX Credit Reporting company. XXXX then would contact First Interstate Bank and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by First Interstate Bank. Leaving the Report INACCURATE. The Account information for this complaint is taken from an XXXX credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that XXXX provided. I contacted First Interstate Bank and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from XXXX you will find that the Date Opened is XXXX XXXX. The Payment history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided XXXX document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by First Interstate Bank.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.