davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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: CITIBANK, N.A. (FL)

XX/XX/2022 full amount sent to merchant of {$560.00}, card ending XXXX. Billed by credit card comp, again for {$560.00} on card ending XXXX. I contacted the merchant and he said he had only sent one bill for card ending XXXX and that bill had been satisfied. I contacted my bank and they said the amount of {$560.00} had been paid on XX/XX/2022 and it had been taken from my checking account. I have been fighting with the credit card company and get nowhere. They said the disputes I filed with them had been investigated ( two different times ) and I was responsible for the charge.I have the paperwork from the merchant and my bank stating this bill has already been satisfied.
Consumer complaint received 2022-05-27
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. (TX)

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MT)

As stated in my previous complaint, Truist assumed our mortgage from BB & T. Truist did not correctly apply a past payment of {$1500.00} to the monthly payment due but instead applied that full amount to principal. I discovered this mistake when Truist showed a monthly mortgage payment due ( XX/XX/2022 ) that was not due until XX/XX/2022. I repeatedly attempted to contact Truist to correct their error but they would not respond or return calls until I filed a CFPB complaint. After the complaint I received correspondence from XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] stating they had corrected the error and our next mortgage payment was not due until XX/XX/2022. She attached a " Mortgage account statement '' with her letter but unfortunately the bottom portion of the statement ( legal paper size document ) was not copied because she sent a letter size copy which cut off the " coupon '' portion of the statement. I reviewed this statement and discovered almost all of the {$1500.00} payment they supposedly corrected to be a mortgage payment was applied to interest. The mortgage payment due was {$1300.00} of which approximately half should have been principal and half interest ( {$670.00} principal, {$680.00} interest ). I had submitted a payment of {$1500.00} of which at least {$140.00} was to be ADDITIONAL principal, not interest. Truist 's statement dated XX/XX/2022 shows {$1400.00} applied to interest and only {$89.00} applied to principal! On XX/XX/2022 I called the " XXXX XXXX '' telephone number provided in XXXX 's letter and spoke to " XXXX ''. She acknowledged the application of {$1500.00} payment did not appear to be correct. She said she would look into it and call me back. Once again, I have heard nothing from Truist with an acknowledgement, explanation or correction of the error. Apparently filing a CFPB complaint is the only way to get their attention. I wish to file this complaint.
Consumer complaint received 2024-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (OR)

I applied for the SAVE program and was approved for XXXX XXXX  monthly payments before my deferment period was up. Then, I waived my deferment period so that I could begin making my XXXX XXXX  monthly payments. At this time, XXXX was assigned as my loan servicer. My loans were then transferred from XXXX to Mohela after I was approved for the PSLF program. I realized after this that under Mohela, I was not signed up for the SAVE program -- I quickly re-applied for the SAVE program and was once again approved for XXXX XXXX  monthly payments. However, I then received a statement for {$710.00}, due on XX/XX/2024 and was advised that my XXXX XXXX monthly payments would begin the following month. On XX/XX/2024, I called Mohela customer service to ask if my deferment period could be extended to cover up until my {$0.00} payments started in XX/XX/2024. The representative confirmed that this was possible and submitted a request on my behalf. They also assured me that the request would be reviewed prior to the XX/XX/2024 due date. However, the balance remained. On XX/XX/2024, I called Mohela customer service again. I was assured that the deferment request had been submitted and that all I needed to do was to wait for it to be approved, then the past due amount would be removed from my account. It is now XX/XX/2024 and my account is still showing past due and that I owe {$710.00}, even though it also clearly shows that I was approved for XXXX XXXX  monthly payments.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause me.
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

On XX/XX/XXXX I received an email that my PSLF waiver was accepted and i had successfully met the requirements of the PSLF Program and my loans were forgiven from MOHELA On XX/XX/XXXX I received a billing statement from MOHELA indicating that my Student Loan Payment was due on XX/XX/XXXX. I called the company and was informed that in the file there was a notification that my loan forgiveness was issued in error and the amount forgiven was reversed. No explanation, no notification provided to me prior to this billing statement. The representative was unable to tell me what had happened or why this was happening but that I would need to pay the amount due on XXXX XXXX. Studentaid.gov shows my balance as XXXX dollars. The representative informed me my best option was to re-apply for the PSLF program. however, I can't since the balance is XXXX. 

I am waiting to hear from a manager. I was unable to be connected to anyone who can provide any further information.
Consumer complaint received 2024-02-23
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: NAVY FEDERAL CREDIT UNION (OH)

In or around the year XXXX XXXX- XXXX XXXX The Consumers Consumer Report began to reflect the hard inquiry from the Corporation at question that is NAVY FEDERAL CREDIT UNION and XXXX XXXX that does infringe on The Consumers right to privacy- On XX/XX/XXXX of the year XXXX XXXX- XXXX XXXX- The Consumer did opt out of any presumed or implied authorization for NAVY FEDERAL CREDIT UNION and XXXX XXXX to share or furnish any NONPUBLIC INFORMATION- and did give notice to NAVY FEDERAL CREDIT UNION and XXXX XXXX  in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. XXXX XXXX still refuses to remove this inaccurate and illegal reporting from my credit report.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IN)

My XXXX and XXXX XXXX.from a Litigation from XXXX, XXXX, I open a online Checking and Savings Account@ U.S. Bank on or about XXXX XXXX and I found out The Company signed me up for other Accounts without my consent.They ordered me checks and I wrote checks and they didn't let them pass on a XXXX.
Consumer complaint received 2022-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CT)

On XX/XX/22 my financial advisor ran my credit report for a mortgage and a company called AmeriSave Mortgage Corporation called me and I provided them all my information including my social security number. When I spoke to my financial advisor he told me that he did not send them to call me. Im concerned that I can get my information stolen since I gave my social security number. I also electronically singed some documents that I was not sure about. I spoke to AmeriSave Mortgage Corporation. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

I did agree to take any loan with them I called them back on XX/XX/22 to cancel the application that I made with them.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

I opened the XXXXXXXX XXXX XXXX Synchrony card on XX/XX/XXXX for the purpose of buying furniture for my new home. On XX/XX/XXXX I made my first purchase. Each time I have made a full payment on XXXX, XXXX, XXXX and XX/XX/XXXX there has been a 7 day hold placed on my account even though the money has been debited from my checking account. The first time this occurred I was told unbenounced to me this is referenced in small print in the terms and conditions " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it ''. This was never mentioned to me when I applied for the card and only revealed afterwards. Additionally, each time I speak with someone at their customer service they tell me this only happens when the account is first opened. Just yesterday XX/XX/XXXX i asked if they funds would be available and the representative said it would take 24 hours to post. Today my account has a zero balance, my checking account has been debited and I was only given {$1.00} as available credit. Every other time it would at least give me a few hundred to spend. I specifically asked the representative yesterday XX/XX/XXXX if I could use the card this weekend so i could pay for my pending delivery that I have been waiting months for and take advantage of the double rewards. She told me yes it would be available. Apparently this isn't the case because the funds wont be available until XX/XX/XXXX ( 3 days after the promotion ends ) and I must spend additional money to have my furniture delivered on XX/XX/XXXX. This is so frustrating and unfair. I have many credit cards and always pay them off immediately. At this point there is not need to use this card as I have no clue what the policies are. Each time I call even when speaking with a manager I get something different. I will recommend to anyone, do not get this card
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Social Finance, Inc. (KS)

I am unable to login to access my money, I dont know why and they only responded to me once and said they are reviewing my account and want to see if I receive money thats again their TOS and they also say they cant provide me any ETA for the process. And since then they stop replying me on all their Platforms. Ive pleaded with them that I have an emergency issues and need some of the money to take care of my illness, they are triggering my XXXX. The money I received on the Acct was also a refund by A crypto company name XXXX after fighting them for 3 months they pay my money back to the Sofi account I opened and now Sofi is holding the money again and no response I read and research online about them and most people say they wont respond and fix it until I complain here.
Consumer complaint received 2022-05-27
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. (MS)

My name is ( XXXX XXXX ) and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2019-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently received a an incorrect reporting on my credit file from all 3 credit bureaus XXXX, XXXX, and Transunion of a fraudulent credit company claiming that I owe them said money amount. The name of the company is called " The Bureaus ''. I sent correspondence to all 3 credit Bureaus about this fraudulent reporting on my credit report and al 3 credit Bureaus had deleted the incorrect report. I recently pulled my credit report and noticed that the same file was put back on my credit report again. I am requesting that this company discontinue from reporting anything fraudulent on my credit file and that the 3 credit Bureaus also stop reporting this claim on my file after deleting it off.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights XXXX XXXX XXXXXXXX account # XXXX XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items or information. Any other adverse item of information, other than records of conviction of crimes which atedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my PayPal account. My account in paypal is XXXX they limit it since XX/XX/2022, I can not use it for my online selling business. It has stucked funds and I have to withdrawn it asap so I can give the buyer his item. I had a transaction someone buys my product worth {$12.00} included with a fee of {$0.00} and then suddenly paypal limit my account.I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

In XXXX I was having trouble finding a job and I was {$1300.00} behind on my payments. I contacted the XXXX about it since theyre who I pay. We came to an agreement that I would pay {$50.00} extra on my monthly bill for 2 years to pay back the {$1300.00}. I made all of those payments on time but they still kept reporting me as delinquent every month for most of those 2 years. That is Fraud plain and simple on the part of the XXXX They agreed to the new payment schedule and it was followed with all payments made, so the payments werent late. This needs corrected on my credit immediately!
Consumer complaint received 2023-01-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TMX Finance LLC (TN)

On the date of XX/XX/XXXX I went to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax to receive credits and satisfy the entire price of the service via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " pledge agreement XXXX XXXX '' with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the credit extension and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the credit extension causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax have the right to assume anymore a debt wherefore collection could be made. TMX Finance LLC dba TitleMax of Tennessee, INC. d/b/a TitleMax further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of their self described " repossession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to the unverified Tow Company without my express written permission. Please see the full attachment of the correspondence via the mail that I gave to TMX Finance LLC in the attached links.
Consumer complaint received 2022-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MD)

OnXX/XX/XXXX the Social Security Administration wired a lump sum back payment of over {$12000.00} to my AMEX Serve card. I was told it would take 3-5 business days for the money to appear. Today is Day 6, and I don't have my funds. I've tried multiple times to reach out to AMEX, but their Contact Us numbers are recordings only. There is no way whatsoever to reach someone who I can speak with to find out what is going on.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc. (GA)

Hello, I have filed XXXX complaints against Consumer Portfolio Services XX/XX/XXXX, XX/XX/XXXX due to there being a number of inconsistency with Consumer Portfolio Services. 

1 ) Consumer Portfolio Services is currently reporting on my credit reports that this account is " CLOSED and CHARGED OFF. '' This account Currently states it is " CHARGED OFF '' as XX/XX/XXXX with last payment being made XX/XX/XXXX on all three credit bureaus. 
2 ) Consumer Portfolio Services has reported the " HIGHTEST BALANCE as {$13000.00} XXXX, XXXX, " HIGHTEST BALANCE as {$12000.00} with XXXX ( which has since been removed ) on my credit report. 

I requested a 1099C form from Consumer Portfolio Services to file with my Taxes, a form in which they are refusing to send me, but since this is a " CHARGE OFF '' and was claimed as a income by the " ORIGINATOR ''. I need this 1099C to file with my Taxes and this account should be removed from my credit report immediately. 
Consumer Portfolio Services is constantly refusing to remove this account and all " DEROGATORY '' information from my XXXX, XXXX credit report.
Consumer complaint received 2022-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

delete the hard inquiries XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX please remove these inquires