davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I deposited {$8000.00} from my XXXX savings account as they were charging me monthly fees, so canceling that account and deposited the amount directly to my Capital One 360 Money Market account, see transaction below. 

XX/XX/XXXX Preauthorized Deposit from checking account XXXX Transfer {$8000.00} {$41000.00} Capital One is refusing to remove the hold and show the true amount in the account. Either do it, or I will cancel and pully everything from this bank, like I did XXXX and XXXX and bank elsewhere. 

I will not stand for the bank holding on to my money when it was a bank to bank transfer and not a check to hold on too!
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

EQUIFAX froze, blocked and/or locked my account without any reason. I never requested this. They refused to rectify that issue. 
They also completely blocked my credit score. 
I could not view any EQUIFAX reports or scores online. 
They blocked my credit score from XXXX XXXX XXXX where I was applying to refinance my mortgage, causing me to lose the rate promised on XXXX. 
I spent three hours a day for three days on the telephone with EQUIFAX attempting to fix my credit report and credit score. It is still not fixed. I can not see my credit score, XXXX XXXX XXXX can not see my credit score, which has prevented me from going forward with my home refinancing. Which is costing me a lot of money. They lie on the phone and say its fixed, but it is NOT. They disconnect calls, everytime I call them, because they do not want to help me. All other credit reporting agencies have complied and given XXXX XXXX XXXX my information. EQUIFAX is refusing with no reason or cause.
Consumer complaint received 2019-10-15
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TOYOTA MOTOR CREDIT CORPORATION (NC)

XXXX called saying they were XXXX XXXX to collect debt of XXXX that was not obtained by Toyota Financial from my XXXX XXXX. Once I mentioned I have heard nothing about this and would check with Toyota first, they put me on hold. Name of individual was XXXX XXXX.
Consumer complaint received 2019-09-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota Motor Credit Corporation has had a delinquency indicator on my report since XX/XX/2014. I have a XXXX balance. What happened was I paid my vehicle off earlier. I called in for the pay off amount. I made the payment they provided to me. A month later they send me a payment but I naturally thought it was paid off. Come to find out later, they were sending me a bill for finance charges still unpaid for the last month of my loan. I tried to dispute the late charges and they refused. I was late due to the dispute that is why it went 90 days. They were unwilling to work with me on this issue. Five years later it is still on my credit report. I wrote letters to them including Toyota CEO.
Consumer complaint received 2019-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CA)

My mortgage servicer Freedom Mortgage is trying to auction off my home without following FHA/HUD guidelines and protocol. I am a civilian XXXX for the XXXX XXXX and became injured which led to a reduction in income and missed payments. I am now in a much better place with support from my family and we can afford a fair mortgage payment for my home which I purchased in XXXX. The problem is that Freedom Mortgage has denied me access to government programs that were established to help struggling homeowners. Despite my attempts to resolve this matter Freedom has passed me from one person to another, never assigning a  dedicated contact and never reviewing my family for any homeowner assistance programs. I am now facing a sale date on XX/XX/XXXX. 

I have been here in California for the last 15 years and have worked for the XXXX XXXX as a XXXX XXXX for 8 years ( civilian XXXX ). English is my second language, and I did not fully understand how the FHA loan works with the upfront mortgage insurance and additional monthly MIP. Although I was not happy about the additional payment amounts, I made the mortgage payment every month to Freedom for 4 years. In XXXX I was injured on the job and unable to work. I had to go through a lengthy process in order to get approved for workers compensation. During that time frame all our reserves were exhausted and soon I could not keep up with the mortgage payment. After I fell behind, in XXXX I attempted to reach out to the Freedom agents to see what programs were available for homeowners in my situation. I was never able to get past the gatekeeper and just got the runaround. They never assigned a single point of contact and they never conducted a fair review of my current and correct financial circumstances. My wife works and XXXX of my sons live in our home and work as well ( one in the XXXX XXXX XXXX ). I am now receiving my full workmens compensation and we have the means to afford a fair mortgage payment. My issue is that we have never been given the opportunity by Freedom Mortgage -- -instead they have set a foreclosure auction date. 

Freedom Mortgage is required by law in the state of California to conduct a review of our households current and correct financial circumstances and they have failed to do so in violation of the California Homeowners Bill of Rights. Additionally, I have been told that HUD requires all FHA loan servicers to review applicants such as my family for all applicable programs such as modification, special forbearance, partial claim or repayment plan. This has not happened. We would like your agency to investigate this matter, Freedom is not following the rules or holding up their end of the bargain here. Between the family members and I occupying our household we have the necessary income to afford a fair and reasonable payment within FHA guidelines. Our problem is that Freedom will only accept a lump sum reinstatement and refuses to review us for the programs that they are required to offer.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-11-28
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. (PA)

i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report. 

transunion is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately.
Consumer complaint received 2021-04-20
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. (FL)

Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX  has deleted. XXXX and Experian have not.
Consumer complaint received 2019-12-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (MA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-22
Product: Student loan — Private student loan
Issue: Getting a loan — Qualified for a better loan than the one offered
Company: Navient Solutions, LLC. (MI)

During the last year last few semesters of my XXXX I sought financial assistance through SallieMae ( 2012 ) for approximately $ XXXX. I didnt know at the time that I was eligible for federal loans, but I was only offered private loans which is what I accepted. The private loans have stricter repayment rules and higher interest rates, and they dont fall under the loan forgiveness program which I do qualify for. I feel as though the loans were predatory, can this be made right?
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AL)

I did a mobile deposit into my Wells Fargo account on XX/XX/24 for a check for {$990.00} and {$400.00} of that was made available immediately. I continued to use my account with the balance that was currently available. The next morning i woke up to my account only have being negative $ XXXX i called and was told the check was placed on hold until XX/XX/24 and i will have the funds on XX/XX/24. In the meantime my account was negative- {$290.00} as of XX/XX/24 which i have screenshots to prove. My direct deposit from employer was made available in the {$2000.00} on XX/XX/24 today on XX/XX/24 when the check was made available
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Randolph, Boyd, Cherry and Vaughan (VA)

I was not properly served notice of a suit that has been filed against me. This law office acting as a collection company has no legal bases to sue me. I have no contract with them. I regularly check the court records online to ensure that there are no cases against me and this was how I found out. This company did not properly serve me. I have also noticed that there is a completely different company ( XXXX XXXX XXXX ) on my credit report filing negative information for this same account. I have submitted a debt verification affidavit ( via certified mail ) over 21 days ago and they have not responded.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (GA)

I was shocked when I reviewed my credit report and found late payment on XXXX of 2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2019-09-11
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: EQUIFAX, INC. (CA)

XX/XX/2019 I disputed 2 accounts that were on my credit report. 

I asked for method of verification on how they they verified the accounts. All I got back was a letter saying that the accounts had been verified and they were staying on my credit report.
Consumer complaint received 2019-12-22
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mercedes Benz Financial Services (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (PA)

Good morning, My name is XXXX XXXX, and I was previously attending the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX PA XXXX. I begin my education at the location mentioned above on XX/XX/2022, and through the enrollment process I was told that I could possibly apply for financial aid in the form of a loan. I was told by the same department who consolidated my existing loan, that I would get an opportunity to review the loan, before accepting it, which Ive never accepted. 

Ive came to the determination that I would like to attend another program, and in the process of enrolling in the new program, they made me privy to the fact that I was eligible for a grant, which the previous Institute did not make me aware of. Instead, my previous school continued to guide me down the direction of taking out a loan, which I would not have done it if I would have known I was eligible for a grant. 

Since then, these loans have been placed on my credit report. When Ive contacted the school about the current situation, I was told that they were given the right to take part of my loan for their expenses. Expenses that I have yet been told for what. I was never aware of my loan being processed, approved, or anything, but the school took it upon themselves to acquire funds that I did not know were available. 

I would appreciate it if you could assist me in the matter and help me understand how my loan could be approved and processed, to the extent there is now additions to my debt, but Ive never seen any of the money from the loan. Before I attended the school, I had only 1 ( one ) school loan, now I have 3 other school loans attached to my credit, but never seeing any of it in my account, or in check form. 

Please, and thank you. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-01-17
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. (FL)

In the month of XXXX I sent the credit bureaus an FTC report in regards to information on my consumer report that is a result of fraud. XXXX XXXX XXXX Account # XXXX was initially removed and reinserted on my credit report. I do not provide written permission or instructions for the account to be reported on my comsumer report.
Consumer complaint received 2019-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

LVNV FUNDING LLC has won a court order against me by default but I never received any mail about it. They did not have my current address on file at the time. 
I was paying {$50.00} per month for an alleged credit card debt owed in the amount of {$1300.00}. Per many inquiries made with the credit bureaus, the company still has not provided proof of validation with my original signature. The information is on my 3 bureau credit reports and is affecting my ability to apply for a loan. 

I ask that the company removes the negative information of my credit reports and refund the money they took from my account for payments, in form of a check. The current balance owed is listed as {$1100.00}.
Consumer complaint received 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2019-09-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2019-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

In XX/XX/XXXX, HSBC sent me an email saying that I can receive a 30 % bonus for transferring my HSBC reward points to XXXX XXXX XXXX points and the term said 1. The promotional period for this offer is XX/XX/XXXX to XX/XX/XXXX XXXX. XXXX. Cardmembers will receive 30 % bonus Avios for HSBC Elite World Elite Mastercard or HSBC Premier World Mastercard credit card Rewards Program Points transferred to XXXX during the promotional period. Bonus Avios will be awarded with the original transaction. To redeem this offer, your Account must be open and in good standing. 

On XX/XX/XXXX I transferred XXXX points but no bonus was given.