davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (RI)

I've sent numerous letters to all 3 credit bureaus over the months and received no response. I demand by law all these items be moved from my credit report my information was compromised in XXXX data breach
Consumer complaint received 2024-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jenkins, Wagnon & Young, P.C. (TX)

XXXX XXXX XXXX XXXX JENKINS & YOUNG P.C, AS ASSIGNEE OF DEPARTMENT STORES NATIONAL BANK case XXXX. IS SUEING ME FOR A DEBT THAT HAS PASSED THE 4 YEARS LIMIT. THIS INFORMATION WAS INCLUDED IN DOCUMENTATION THAT THEY SENT SHOW LAST PAY DATE.
Consumer complaint received 2022-03-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (ME)

We tried to refinance our existing mortgage with same XXXX bank that presently holds our mortgage at a higher rate. 
Everything was great, new lower rate, very high credit scores, more money in XXXX bank than our mortgage balance, we are putting 80 % down. It all went smooth till a couple days before closing the said it was unacceptable property type but it is same property we have been paying a higher rate on the last XXXX years. This also coincided with news of higher interest rates and world affairs.
Consumer complaint received 2022-03-25
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. (NC)

I have submitted multiple complaints to the CFPB about Equifax 's failure to remove an erroneous bankruptcy on my credit report. I have submitted to them all of the supporting documents showing proof that it was deleted by the Consumer reporting agency they continuously claim is verifying the information. Because of their failures, this has hurt my ability to obtain credit including being charged higher interest rates than I should have been charged if they just do their jobs and remove this false and erroneous information.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Wise Recovery Solution LLC (NY)

XXXX XXXX denies my request for XXXX XXXX XXXX card because it inaccurately report wrong score status t o get card. XXXX XXXX CREDIT WISE SAYS I MUST HAVE FAIR CREDIT. XXXX XXXX WISE REPORTS I HAVE FAIR CREDIT BUT STILL DENIES MY REQUEST SAYING I HAVE POOR CREDIT AND I DONT. This request has the documents from credit wise by XXXX XXXX which states I have fair credit but I was still denied
Consumer complaint received 2020-03-29
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. (MO)

There are unverified accounts that remain on my report. I have tried multiple times to get these accounts removed ; the credit agency has not provided a method of verification yet they continue to report negative items that impact my ability to be approved for other lines of credit.
Consumer complaint received 2021-06-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

In XX/XX/XXXX or XX/XX/XXXX I cosigned for an ATV loan with Yamaha at a motorcycle/all terain vehicle dealership for my nephew XXXX XXXX XXXX XXXX a 100 % XXXX XXXX XXXX veteran. XXXX was making timely loan payments up until his XXXX on XX/XX/XXXX. In XX/XX/XXXX his Executor and Estate were making good faith attempts and were able to clear up any debt with the exception of dealing with Yamaha financing that was then transferred to Capital One they refused to cooperate and refused to clear up the account or transfer ownership. His executor continued to make payments since XX/XX/XXXX. From this time of co-signing for the loan up until XX/XX/XXXX this showed on my credit report as cosigner for a LOAN. In XX/XX/XXXX, A statement arrived at my home address in my name solely from Capital one with a Credit card showing a balance of {$11000.00} and available credit of {$17000.00}. Immediately I noticed my credit score lowered and I received notices of lower credit from my own financial institutions due to the recent increased Credit. I called Capital one multiple times to ask how a loan turns in to a credit card and how they can list this on my credit as solely belonging to ME. They have no record of a XXXX XXXX nor of the original account. I really do not know what to do? I do not know how to rectify this and feel my rights as a consumer are violated, nonetheless their behavior at the time of clearing my nephew 's estate is now raised to an appalling level.
Consumer complaint received 2020-03-17
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. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX  XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items form my credit report. 

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX  XXXX {$12000.00} XXXX XXXX  XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX {$690.00}
Consumer complaint received 2021-06-17
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. (PA)

I currently making mortgage payments through XXXX XXXX XXXX. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

All inqury information without an account in my credit report not a Permissable purpose 15 U.S. Code 1681n ( a ) is a part of the Fair and Accurate Credit Transactions Act ( FACTA ) of XXXX that covers civil liability for willful noncompliance with consumer credit protection requirements : Liability Anyone who willfully fails to comply with a requirement under this subchapter is liable to the consumer.This includes obtaining a consumer report under false pretenses or without a permissible purpose. 

Damages The consumer can recover the following damages : Actual damages : Any damages the consumer sustained as a result of the violationStatutory damages : For willful violations, the consumer can recover statutory damages of at least {$100.00} but no more than {$1000.00} per violationPunitive damages : The court may award punitive damagesAttorneys ' fees : The consumer can recover the costs of the action and reasonable attorney 's fees
Consumer complaint received 2024-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (VA)

I am filing a complaint against Sallie Mae regarding my private student loan. In XXXX, my parents took out a private loan through Sallie Mae. During the phone application process, we were not informed that the loan was set to an in-school payment plan. As a college student at the time, I was unable to make the XXXX XXXX monthly payments. 

In XXXX, my mother was XXXX XXXX XXXXXXXX XXXX, and Ive communicated this hardship to Sallie Mae. Despite my situation, I still can not afford to pay this loan on top of other expenses like gas, rent, and school-related fees. Sallie Mae told me that if I could bring my account current, I could apply for a school deferment. In an attempt to resolve the issue, I paid {$600.00} ( all of my savings, which was more than my rent ), only for Sallie Mae to later state I was ineligible for deferment due to the loan status from two years ago.

The agent on the phone had selected the in-school payment plan, which I do not understand. This situation is severely impacting my family 's credit and causing significant emotional distress to my mother, who is XXXX XXXXXXXX. Sallie Mae has been unhelpful and dismissive in resolving this ongoing issue. 

I respectfully request your assistance in investigating this matter and helping to find a resolution.
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WI)

On XX/XX/2022, I submitted a request to MOHELA for employment certification for XXXX. The employer is no longer in operation and I included an explanation letter. It was denied. I provided proof by resubmitting the request with the organizations bylaws and W-2s, as recommended by MOHELA. I sent another explanation letter. 

This past employer was a non-profit that received XXXX and XXXX funds to provide services and supports to adults living with XXXX and frail elders. 

This past employer and other agencies like it have since merged into my current employer. These agencies operated in the same manner as my previous employer. My current employer was certified as eligible, as it should be, yet the previous employer was not. The previous employer has merged with the new and no operations or eligibility or non profit status changed. Both should be eligible, not XXXX vs the other. 

Additionally, a colleague who worked for one of the companies involved in the merger was granted certification for her previous employer, also no longer in operation, and was told by MOHELA they granted it because they could not prove eligibility for the employer no longer in operation. They told me the exact opposite, yet both agencies operated with the same funds, providing the same supports and services, as a non-profit. The only difference between the two agencies is that they served different counties in the state.

I have spoken with so many MOHELA reps and have been fighting this for XXXX years. I even was able to obtain a letter from the current agencys corporate counsel verifying that the previous employer was non profit and should be deemed eligible. Ive waited and waited for approval because I know this employer should qualify. Again, my current employer does and the previous employer has been denied even though they are now merged into one.

I have submitted all of the evidence I can and need help with this resolution because MOHELA is erroneous in denying employment certification for this past employer. If approved, I will be well past the 120 month requirement.
Consumer complaint received 2022-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

MR. COOPER MORTGAGE LENDER UNJUST ENRICHMENT : LATE FEES : My mortgage company Mr. Cooper charges astronomical, random late fees ( mine was {$65.00} ) AND you can not make a mortgage payment unless you pay the fee first. Thus, to Mr. Coopers benefit, you would be charged additional late fees if you dispute one. I was forced to pay and they refuse to reconsider or explain why the chose the figure {$65.00} ; just that they reviewed [ my ] case and determined this the figure they wanted out of me.

Furthermore, late fees are compensation for potential damages and I can not get an explanation from Mr Cooper as to what damages causes by a 2-day late payment warrant the high fee ; or why/how they calculate different fees based on a review of the case.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

I deposited a check via mobile deposit for {$10000.00} into my business checking account on XX/XX/2022, received an email on the same day saying that my deposit was approved with a XXXX business days hold. The following day XX/XX/2022 I deposited another check of {$10000.00} via mobile deposit I received an email the same day stating that the deposit was approved with a XXXX business days hold. 
On Thursday XX/XX/XXXX, I went to the branch and deposited a check for {$7500.00} and the teller told me it was approved with a XXXX business days hold and my receipt stated the same. 
Based on the holds I waited until Friday XX/XX/XXXX to issue checks to my contractors. On Saturday XX/XX/XXXX, my account balance is only {$170.00}. I called NFCU and they told me that on XX/XX/XXXX all of my checks were put on a XXXX business days hold, and I wont have funds until XX/XX/XXXX and XXXX. I want to be very clear that at no point NFCU notified me of the extra hold time. They are holding over {$27000.00} in deposits. They are not small business friendly and this is affecting me and my business, my client is asking where is her material and I have to cover that with credit cards or with my savings.
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NV)

Discover Credit Card Monthly bills debts are obligations of the United States per 18 U.S. Code 8, 12 USC 411, and 31 U.S. Code 3123. -- -- -- -- -- -- -- -Only gold and silver coin a tender in payment of debts Article 1 Sec 10 of US Constitution -- -- -- -- -- -- -- -- Banks created the money and credit upon its own books by bookkeeping entry as the consideration for the Note. All of the money or credit which was used as a consideration was created upon their books, and it is the standard banking practice exercised. XXXX XXXX XXXX of XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( 1968 ). -- -- -- -- -- A note ( Federal Reserve Note/Cash/Paper Money ) is only a promise to pay and not payment. XXXX XXXX XXXX XXXX XXXX 131 P 2d 894 ( 1942 ). -- -- -- -- -- -- -- -- -- -- -- -- -- -- A debt is not paid by the giving of a note ( Federal Reserve Note/Cash/Paper Money ). XXXX XXXX XXXX XXXX XXXX, 38f. Supp. 479 ( 1941 ). -- -- -- -- -- -- -- -- -- -- -- - Giving a note ( federal reserve note/cash/paper money ) does not constitute payment XXXX XXXX XXXX XXXX XXXX XXXX  42 F. 2d 158 ( 2d Cir. 1930 ) -- -- -- -- -- -- -- -- -- ----
Consumer complaint received 2022-12-31
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 states : A consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I currently making mortgage payments through XXXX XXXX XXXX. I had a Chapter XXXX bankruptcy which was discharged however, they refuse to report my payments to the credit bure. I have made several calls asking them about this issue and was advised they would email their manager and see if they can start reporting the information. Two months later and they are still telling me they don't have to report these payments. I was advised that they should report these payments I still owe on this loan. I currently am current on my payments and have a balance of {$47000.00} with a 6.5 % interest rate conventionally loan. Why wouldn't ; they report this to the credit bureau. Can you please help with this issue or advise who I can speak with regarding my concerns.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

After filing my last complaint about the 30day late payment in XX/XX/2020, Lakeview agreed to remove late payment and update the account to all credit bureaus. It has been over 30 days and Ive checked my credit and the it is still showing a 30day late on XXXX.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-12-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

I opened an account original prior to XXXX at Becu my account was not getting used and in XXXX I entered the banking branch located in XXXX XXXX XXXX to set my account back up and get a replacement debit card I had Been told the account had gone dormant at that time I was provided a slight different updated checking and savings account numbers For My only account a joint checking and savings. Since then I have opened XXXX additional checking account do to continued theft from the other checking account that I was never compensated for correctly by the bank. Recently it was brought to my attention that though I have visited different branch locations on multiple occasions and replaced my debit it card with out success I was not informed that I had additional accounts not connected with my online banking that have been unknown to me since there original account opening accounts that are also connected to my CDs from my grandparents that I was previously miss informed about and that I may be not receiving my trust updates from my trustee as required by law and possible I may have been defrauded using the missing accounts which are the joint accounts to the accounts I have been using myself. I feel the bank should have disclosed this information to me and by with holding it has possible aided in the defradment of myself and also my fiance whom deposits into the accounts as well we have suffered loses amounting to over XXXX in pay from My previous employer unemployment and also this has lead to miss understanding and ruined friendships attempting to determine what had been happening.
Consumer complaint received 2024-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC (AZ)

I bought a vehicle from JD rider and I didn't even have my car a day and it was leaking oil then called me a liar I had to go to a car mechanic to get a print out of what was wrong and they still refused to fix it. The. The motor blew up they offered me another vehicle that was in the shop getting fixed for 6 month only for the transmission to go out. I told them they needed to come pick it up and since I hadn't had my car for at least 6 months before that I told them to come get the car. It still had 6 months on the warranty and they refused to fix both lemons they gave me. I told them that I wasn't going to make a payment on. Car that's under warranty and they refused to fix. It was stuck on the side of the road. They told me I would have to pay for the transmission. To get fix. Horrible company had to pay for some of my repairs like the ac line that the tech cut when putting a new radiator in. I'm not responsible for then not holding up to the loan agreement.
Consumer complaint received 2022-12-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (NJ)

I reviewed my credit report and noticed the alleged listed account. I sent a request for verification of the debt to the creditor in XX/XX/2022. After 30 days of no response or update, I reached out to the creditor again to gain information of the alleged debt. Its been roughing forty-five days and I have yet to receive a response or any information about the alleged debt. I am aware of the law stating that the creditor has 30 days to complete the investigation. At this point, this alleged debt is now illegally posted on my credit report.
Consumer complaint received 2023-05-14
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. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!