davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc. (CA)

On my self XXXX XXXX account I made a ADDITIONAL payment of a dollar that was not owed and got returned and self charged me XXXX dollars. I know there's a new law approved through CFPB prohibiting companies to do this. 


also my new self credit card i had called to see when my XXXX dollar patment will be added to my account on a recorded call the agent said the XXXX is the annual fee ... in its polices. i said its not in the policy that the annual free is taken out the first payment.I asked for a sup he said different. He said the fee is taken out our XXXX limit making it a XXXX dollar limit.. which isn't true because my limit is XXXX.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (TX)

I declare under penalty of prejury ( under the laws of the united states ) I fexcuted outside of the United States that the foregoing is true and correct to the best of my knowlwdge. Further, I ceritty that i am authorized bty FEDERAL and STATE Law to file this dispute. I also understand that knowing and williful missstatements or omissions of material facts constitiues a ferederal criminal violation punishable under 18.U.S.C.1001
Consumer complaint received 2020-06-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Both Experian and XXXX are in violation of the FCRA section 609, advising that verifiable proof must be provided when requested if consumer is disputing the accuracy of information listed. I have sent several disputes the latest being sent XX/XX/XXXX via certified mail asking them to abide by the laws and show proof of a Chapter XXXX Bankruptcy listed. I sent in proof from the XXXX Georgia Bankruptcy court that they do not provide any information or verification to any credit bureaus. I also contacted XXXX XXXX and confirmed there is a freeze currently in place that prevents ANY third party from obtaining any credit or financial information, including public records. The notice I received from bothExperian and XXXX on XX/XX/XXXX states that they verified this information with Lexis nexis and that is not true ( see screenshots from XXXX XXXX   ).
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was charged XXXX on my bank of America visa credit card on XX/XX/18 to a vendor that was XXXX in XXXX, VA. I originally called bank of America to dispute the charge. They initially took the charge away, but then the charge showed up again a few days later. When I called BOA, they said that it was indicated the card was chip read and used so I was accountable. I fought this and reopened the case about 5-8 times over the next 6 months. I filed a police report, told them I never lost my card and even showed them that I was at work at the time of the transaction. I got so frustrated that I had to give it a rest, but would like to file a complaint. BOA could never tell me exactly who charged the card ( the vendor ). All they could tell me was that it was for janitorial services and I am 100 % sure I did not have or authorize anyone to provide any services for that large amount of money. How can I be accountable for a charge that BOA can't even tell me who made it? Please help!
Consumer complaint received 2023-01-15
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)

This is my 6th complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (TX)

I opened the credit card and charged items on it. I had been paying it regularly but missed a few payments due to financial hardship caused by hurricane katrina. I was speaking to a banker to let them know what was happening and I submitted a payment of the total amount due ( {$400.00} ) before the deadline they gave me ( 90 days ). However, they charged off my credit card anyway and " lost '' the {$400.00} payment. It was taken out of my bank account but never applied to my credit card balance. I tried to contact them numerous times including visiting branch offices but never could reach anyone who knew anything about my accounts. They did the same thing with a personal loan I had as well. Now I can't get anything resolved because they sold the debt and refuse to speak with me.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (DE)

I have an XXXX account that I used to be able to link to my PNC account for savings purposes. Sometime in the recent past PNC instuted changes that make it impossible to link my account anymore. I have lost a great convenience to my savings program due to this action. I would like them to re establish the link.
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (WI)

Ditech has denied my request to remove the PMI from my loan. This has been an ongoing struggle with them. In XX/XX/XXXX we reqeusted to have PMI removed from our loan and when they appraised our house, the appraisal came in at {$330000.00} which was 75.79 % LTV. Just short of the percentage where it could be removed.

In XX/XX/XXXX, we made the request to have PMI removed from our loan again. We have made our payments on time and the values of the homes in our area have gone up in the last two years. Ditech again had someone come out to do an appraisal. When that appraisal was completed, we were never sent a copy of it and we were told there was " a problem '' with the appraisal. Ditech said a second appraisal needed to be done. A second appraisal was done and the value of our home was set at {$310000.00} - {$19000.00} less than what it was appraised at two years ago. As soon as this appraisal came in, Ditech denied our request to remove our PMI because the percentage of LTV was 76.74 % - just short of the percentage where it could be removed.
After multiple requests, we have never been given a copy of the original appraisal and I believe that is because it appraised our home much higher than {$330000.00} and Ditech wold have needed to remove our PMI. After looking at reviews of the second appraiser online, there are frequent references to how low the appraiser tends to skew home values and the comps she used for our home 's value were far outside of our neighborhood. She made the claim that there were not enough recent sales in our neighborhood to give a good reference so she went very far outside of our neighborhood for comps. It is obvious that she cherry-picked comps that gave Ditech the number they wanted from her so they could deny our request.

I am now having a third independent appraisal done on my home by an appraiser I trust. Ditech is obviously trying to make sure I can not remove my PMI by replacing appraisals that do not benefit them with appraisals that do benefit them.
Consumer complaint received 2019-12-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

In XXXX my mother XXXX and I had spoken many times to Navient regarding all 5 of my private student loans and how we want the payments applied. After many attempts on the phone and multiple emails, we wanted Navient to apply our payments correctly, and in addition, we wanted to put the extra payments towards the principal. After all these attempts, they finally implemented payment posting as we requested. Please know that this took many hours both on the phone and in emails, as well as constantly monitoring and tracking all 5 private loans on the Navient website. 

I recently noticed that Navient has been sending me emails requesting " Overpayment Directions ''. My mother called in to Navient on XX/XX/XXXX at XXXX PST  and spoke to XXXX, ID # XXXX to better understand the letter and our next steps. 

My mother explained to XXXX that back in XXXX we gave instructions to Navient during many phone calls and outlined in emails on how to apply payments. She explained to XXXX that we make payments based on loan number. In other words, I have 5 loans, and make 5 payments. I pay extra money on every loan, every month. All 5 loans should have all extra money paid applied to the principal. 

My mother then explained to XXXX that this letter does not provide an option to " put the extra payment to the principal '' so we was unsure how to respond. XXXX said this is a standard letter and is system generated. 

XXXX informed my mother that her system notes already have XXXX set up to place the " extra payment to the principal ''. XXXX said " I know this is confusing '', and then she began to read about my payments being an accrual or something of that nature. What she was saying did not appear to have anything to do with the nature of my call so my mother told her to not read from a script. XXXX then said, yes, we already have XXXX XXXX instructions. Navient makes these phone calls so difficult, and it is so frustrating that they talk about things that don't even appear to make sense with the issue we are talking about. Is she trying to intentionally confuse us further?? 

XXXX and my mother walked through a payment that I recently made and she confirmed that the extra money being sent is going to the principal. So, now I'm really unclear why this letter is being generated, other than to try and confuse me. XXXX provided no viable reason as to why we are receiving this letter since they already have instructions on what to do with extra money I pay. I have no faith in Navient and any information they provide us. I also have no faith in how they apply my payments. 

Only one loan number is being input for this complaint, but please note that I have 5  loans.
Consumer complaint received 2019-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting Act, the list of account inquiries below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX Card date XX/XX/XXXX and XX/XX/XXXX XXXX  date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX 15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MUFG AMERICAS HOLDINGS CORPORATION (NV)

Ive been reported late from my mortgage co for the second time now. I originally reported and disputed on XX/XX/XXXX. XX/XX/XXXX, I recevied they reported my mortgage late again when the mortgage has never been late and has been paid off ... .I disputed the first time and they reported again, this has cause me being unable to purchase a home. This has cause me not being about to purchase my new home and caused my score to decrese significantlly. I attached the letter they sent from the XX/XX/2020 reporting but they reported me late again on XX/XX/XXXX XXXX
Consumer complaint received 2019-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

On XX/XX/XXXX I was informed by US mail, that from XXXX XXXX XXXX XXXX XXXX, Az XXXX of a " Notice of Servicing Transfer '' effective with payment due XX/XX/XXXX. 

NewRez LLC would collect payment going forward. 

contact information provided was NewRez LLC Customer Service XXXX XXXX XXXX XXXX, SC XXXX On XX/XX/XXXX, I was informed that I had successfully secured an online account to pay the XXXX mortgage with NewRez. 

This email informed me that the Customer Service Team was available at XXXX or XXXX. 

I could not access the payment account after setup to pay the XXXX payment, so I contacted their provided number by telephone call. 

I informed them that I was the estate executive/Successor Trustee for the property/loan and was attempting to make a payment, but was locked out. 

I was furthered informed that because of privacy, I would need to forward copies of Certificate of Death/Revocable Living Trust documents to NewRez. 

I was provided a contact receipt via email on XX/XX/XXXX. 

Followup phone calls informed me that Shellpoint Mortgage Servicing was confirmed as the actual responsible party for the XXXX transfer, ( NewRez LLC owns the lien but Shellpoint Mortgage Servicing ) would need the document as well, to assist me with payments. 

As of today, XX/XX/XXXX, I have not received a response in any way, or the promised followup to assist me as the property owner to continue to make payments/provide whatever maybe requested as the heir/executive/trustee from either NewRez/or Shellpoint Mortgage Servicing. 

The property has never been delinquent on a loan payment since it was purchased in XXXX.
Consumer complaint received 2022-01-21
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. (LA)

I filed a XXXX violation complaint with XXXX Department for. 
XXXX  XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX  Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a XXXX privacy violation as I have not authorized the release. Please see original complaint to XXXX against Experian and XXXX. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?
Consumer complaint received 2024-04-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (NC)

I'm not sure who can answer this. During COVID I had utilized the COVID forebearance and at the end of the forebearance agreed with Rocket Mortgage to just add the missed payments to the end of the loan. Fast forward to now, I am applying for a HELOC and I have a lein that had been placed on my home for the amount that we had put into forebearance. I was under the impression COVID forebearance could not negatively affect you in any way and we arranged just to extend the loan until paid off. I am very upset about this and it completely caught me off guard. Neither Rocket Mortgage or HUD would help me. They each said I had to discuss with the other.
Consumer complaint received 2019-12-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC. (GA)

Report Number : XXXX on XXXX File Account Name : AMERICAN ADJUSTMENT BUREAU Account Number : XXXX Date Opened : XX/XX/XXXX Balance Updated : XX/XX/XXXX They have been trying to collect this debt since XX/XX/XXXX and I have no association with that company, it could be Identity theft or false information. They keep on updating the collection on file and it even comes up as a late payment account. I have tried many months to solve this issue, asked for proof, they sent documents trying to prove and it came up with my information but I have never provided my information over to this company. 
I would like this to remove.
Consumer complaint received 2019-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XX/XX/19 Card was given to car rental company XXXX XXXX as to repair one scratch caused by me. 
XX/XX/19 Charge was made to a merchant whom I dont recognize for {$260.00} Later XXXX XXXX sends me the receipt for the repair charging {$260.00} to repaint bumper AND fender AND reform bumper XX/XX/19 Filed a fraud charge and temporary credit was given XX/XX/19 Charge was reapplied because I gave consent. I did to fix ONE scratch and nothing else. They went and repaired all the damage on the car made by other people too. Case transferred to dispute team. 
XX/XX/19 Dispute team grants temporary credit. I promptly submit a document explaining the story. 
XX/XX/19 Receive a letter saying investigation was not in my favor and credit will be reapplied. I state that its fraud. You cant have person A give merchant B a card and then merchant B uses at merchant C.
Consumer complaint received 2019-12-26
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Immediate Credit Recovery (ID)

On XX/XX/2019 a legal and lawful cease and desist order was transmitted via fax to Immediate Credit Recovery, Inc. Confirmation of said transmittal was obtained. ICR, Inc. violated said cease and desist order on XX/XX/2019 by sending yet another attempt to collect via postal mail. Another notice was transmitted to them via fax informing them of their violation and of there consequent inclusion in any litigation to follow.

ICR is now in direct violation of a legal and lawful cease and desist order.
Consumer complaint received 2020-06-08
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (GA)

This debt was removed from my credit months ago and has reappeared. 

I need this removed immediately, I don not owe this debit and it is affecting me from moving in to a new apartment and buying my family a house. 


I will attach screenshots of when this debt was removed.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc. (DC)

When I set up my account at SoFi money, there was a promotion to receive 5 % back on purchases made with the SoFi debit card within the first 60 days. 

I made a purchase on XX/XX/XXXX for {$1000.00} using my SoFi debit card. 

However, I don't see the 5 % back. When I contacted the bank, I was told the promotion was changed after I signed up for the account. 

This is a gross violation of the terms under which I opened the account.
Consumer complaint received 2020-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

I am having issues with TD bank they are letting people steal my money with no verification but when I want to transfer money they decline me fro using my money! Hold and wait times on the phone last forever I cant get ahold of anyone and this is absolute chaos. Very unprofessional and misleading.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2023-01-16
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. (NJ)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX