davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, XXXX and Transunion violated my consumer rights by not allowing me to access my consumer report. They would not allow me to see my consumer report on XXXX even though I verified my identity.
Consumer complaint received 2022-04-13
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. (LA)

I'd previously written to the creditor asking for specific documentation which if they could not provide they should stop reporting the debt. As you can see from the attached letter and the screenshot of my credit monitoring report the account was deleted. Then without any notification or explanation as to why Experian reinserted the account.
Consumer complaint received 2022-04-13
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. (PA)

Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-06-11
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation (WI)

We thought we bought a home that was fully renovated and was not, seller lied about home improvements, fraudulently spoofed home to gain profit from sell home was appraised at. Appraiser lied to push sale through, Broker failed to get documents supporting home improvements and seller failed to disclose condition of property, Had our home inspection done after sale only because of electrical wiring issues and we were told that this home has asbestos, electrical issues things the seller said they on improvements were not replaced but is 20 to 25 years old, gutters never replaced they are the original gutters, water heater pipes, fireplace issues, foundation damage, see attachments regarding all issues
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX REPORT AS PAID AS AGREED XXXX XXXX NOT AS UNRATED. 

WAYFAIR ACCOUNT # XXXX PAID AS AGREED THEY WERE NOT IN THE XXXX XXXX CITI ACCOUNT # XXXX REMOVE COMMENT I MADE XXXX ACCOUNT # XXXX PAID AS AGREED XXXX XXXX NOT UNRATED XXXX ACCOUNT # XXXX SHOULD NOT BE ON HERE AS IT IS A DUPLICATE CARD AND ITS NOT ANOTHER CARD BUT REPLACEMENT AS THEY SENT OUT THEY ARE MAKING IT OUT TO BE ANOTHER ACCOUNT WHEN ITS NOT. THIS SHOULD NOT BE ON HERE AS XXXX ACCOUNTS BUT XXXX SO THEY NEED TO CHOSE WHICH ONE AND REPORT XXXX AND REPORT AS AGREED XXXX XXXX XXXX NOT UNRATED AS I WAS AND DID ALWAYS PAY UNTIL XXXX XXXX XXXX ACCOUNT # XXXX COMMENT I MADE CAN BE REMOVED
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NC)

Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. 

Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WI)

I attended a college that was fraudulently pushing degrees and were advocating for students to take out more then they needed to pay for what ever they wanted. The college also knew I signed up for XXXX XXXX degree but after I started the next semester they discontinued the degree program. Navient has taken over all my loans and I even filed bankruptcy in 2016 but still owe. The interest is double of what the tuition was and they kept telling me I could keep going in to deferrement if I wanted but didnt explain how much it would cost me in interest.
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/year> I contacted Capital One bank supervisor about a payment I made to the credit card ending in XXXX on XX/XX/year> for {$290.00}. The payment was processed out of my bank account and the funds were received by Capital one, however my credit balance has remained at {$0.00} for the past XXXX days. While on the phone with XXXX employee number XXXX position XXXX and disputes account XXXX informed me that Capital One will process my funds by XX/XX/year> which is XXXX days later. I instructed XXXX to either approve my funds manually so that I can use my credit card or provide me a full refund of my funds. The employee told me that I wont be receiving any resolution because their vague, unclear and inconspicuous agreement allows them to basically do whatever they want on my account and with my funds. I informed XXXX that this situation has been ongoing with this bank and I have suffered severe XXXX XXXX XXXX XXXX  anguish due to the abusive, deceptive and unfair practices. She ignored my questions, concerns, failed to solve the issue and continued to falsely misrepresent information regarding this matter. 

XXXX is not even a XXXX resident or works in the XXXX she is a foreigner trying to advise an American consumer on Policies and laws that apply to the United States. XXXX is located in the XXXX and has no background in banking law or consumer credit protection laws yet she is attempting to instruct me on how things work and what I can and can't do with my account or funds. I find this highly disrespectful, rude and deceptive.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2022, withdrawals, unauthorized by me, were made from my Huntington National Bank accounts. These withdrawals totaled {$13000.00}. I discovered these transactions in reviewing my on-line bank account the morning of XX/XX/2022. I went to my Huntington branch and reported the theft to XXXX XXXX about XXXX XXXX As he was busy, we set to meet at XXXX XXXX XXXX but he did send me an e-mail stating he'd placed " XXXX holds '' on my accounts and nothing would leave my accounts unless it was confirmed with me. I did meet with XXXX XXXX at XXXX XXXX, and completed a Statement of Fraud report. 

Later in the day on XX/XX/2022, additional unauthorized withdrawals were made from my accounts totaling {$11000.00}. I saw them on my on-line account on XX/XX/2022. I e-mailed XXXX XXXX about this additional theft before XXXXXXXX XXXX. We met later in the day, where I completed another Statement of Fraud report. He was unable to explain how these withdrawals were made over the " XXXX hold ''. 

The {$24000.00} has not yet been redeposited to my accounts, nor has the bank indicated it would do so.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc. (FL)

I had a joint account membership with XXXX  and needed it to be cancelled so they agreed to cancel my membership after a remaining balance of {$57.00} was paid but after it was paid they continued to charge my card which was switched to a card that didnt work anymore which is fraudulent because I didnt authorize them to and my membership was cancelled at this time see the screenshots of the emails I attached to see proof of them confirming that the account was cancelled you can not charge someones card who doesnt have a membership with you anymore that is fraudulent and should not be showing up on my credit
Consumer complaint received 2019-10-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

I received a notice from Phoenix Financial Services about a medical debt they said I owed. 

I sent a letter asking for a itemization detail of the original debt and never received it. 

They placed the debt on my credit report. 

When I called to ask them to remove they said it was ordered but never received by the original debtor debt and they refused to remove it from my credit report unless I paid the bill. I asked if this was legal and was told yes unless I pay the bill. 

I would like my XXXX back until I can receive proof of debt. 

Was told they will order it but it will take two weeks.
Consumer complaint received 2022-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (HI)

I applied for loan forbearance back in XXXX when XXXX was still handling my loan. I was approved for forbearance until XX/XX/2022. However, my loan was transferred to Aidvantage  recently and has my loan repqyment information wrong. When I look at my loan information on their site it says my loans are due to be repaid this month on the XXXX. That is incorrect and I have the approved forbearance letter that clearly states my loans are in forbearance until XXXX of this year. I will attach the letter in this complaint. 
I can not have Aidvantage  ruining my credit by reporting I have not made payments on my loan. They need to update their information.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. ()

Santander Consumer USA continues to violated the Fair Credit Reporting Act ( FCRA ). They continue to run unconsistently report on each of the credit reports with misinformation. Account information isn't right and continues to effect me. Reports co each month which is restarting the account.
Consumer complaint received 2022-04-13
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)

I have actually opened this case before but I can't access my email in XXXX mail because I reset my password. What happened was that XXXX scammed me by changing the charges after I hit pay end of XXXX. I called citibank that same afternoon and explained the situation. The staff said they can cancel the charge if I cancel my card and got a new card with a new number. I agreed and we did that. I also used a different credit card and made a whole new hotel booking. But I still got charged. 

For a couple of months, contacted them over the phone and via chat asking the to dispute this charge. The promised me that it taken off my account. One said that it's fraud because it wasn't what I agreed to pay, another told me that it's a mischarge or something of that sort. They kept reassuring me that the charge was taken care of and wouldn't go on my account. Then the charge was then off for a few weeks. Then they put the charge back on again. I'm sick and tired of replying to them. 

I would never have made a whole new booking if the citibank staff hadn't agreed to cancel the charge in the first place. Now I'm supposed to be paying more than double of the original hotel booking? 

The last time I complained here, they told me that I can not get records/ transcripts of our conversations so I can't prove anything. I only have screenshots of one of my correspondence with them, but you can see that they told me the charge was taken off.
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

I can not get in contact with someone at Mohela on the phone to request a refund as part of the student loan debt relief program. There was an automated message that they cant take phone calls because of the new announcement of the program. This is a timely issue given that I need my student loan refunded to apply for loan forgiveness.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status. 
Thank you
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC (IN)

I filed for XXXX XXXX bankruptcy in XX/XX/XXXX. By bankruptcy was discharged XX/XX/XXXX on a 100 % repayment. I have a creditor, Mariner Finance, that reported my account as severely delinquent during my bankruptcy period. This creditor was included in my plan however the credit bureaus indicated that the creditor provided sufficient documentation to support their actions.
Consumer complaint received 2022-04-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022
Consumer complaint received 2022-04-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : US DEPT ED/ {$1300.00} / XX/XX/2022 US DEPT ED/ {$750.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$2300.00} / XX/XX/2022 US DEPT ED/ {$3900.00} / XX/XX/2022 US DEPT ED/ {$1200.00} / XX/XX/2022
Consumer complaint received 2018-12-20
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)

The following student loans were reported on my credit report. Based on my research, all government funded loans are not allowed to be reported. Thus, this is a clear violation of the FCRA. I disputed the accounts with Equifax for several attempts to no resolution. Please CFPB, step-up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this XXXX   XXXX.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX 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 : 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 of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (SC)

XXXX XXXX XXXX  sold me a vehicle. They went out of business XXXX days later. They failed to register the vehicle in my name. I have no plates. The company was taken over by a debt collection company Westlake portfolio management. I have been contacting them for XXXX days straight. I have been given XXXX different email addresses XXXX not being valid they have come back as can not send. Every time you get them on the phone they have a different story. They sent me a fake power of attorney to try and get another temporary tag. XXXX does not except that as valid form. I tried to tell XXXX this. They have had me send emails and transferred me to departments that dont exist. The title department told me in writing that they did not have my title. I can not register the car. I can XXXX XXXX the car with no plates. They have taken over XXXX of my money and I cant XXXX XXXX the car. I have contacted the better business bureau, the head of XXXX and the local senate. No one can help me. I dont know what to do.
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

I bought a {$40.00} gift card with Vanilla Visa gift card. For my daughter 's up coming wedding. I bought it in XX/XX/2022. I try to check it yesterday and it wouldn't take my card number. So I left it til I could get it fixed, I went online, this time my number worked. Said I had a charge yesterday to a XXXX? Of XXXX leaving XXXX cents on my balance. It took me forever to get a hold of anyone to see what happened. I was told that it would take about 90 days for an investigation for fraud. I want this company to be reported for fraud. I believe it is on their side. I believe that they think that the amount of time it takes to refund the money if it proves fraudulent takes too long to get the refund back, customers will just let it go. I feel my card was compromised by the Vanilla gift card company because there are Several articles that have the very same thing with this company.
Consumer complaint received 2022-04-13
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: OPORTUN FINANCIAL CORPORATION (NY)

This card was opened up fraudulent my XXXX XXXX XXXX XXXX XXXX XXXX  open up a lot of accounts in my name and this is one and whats so crazy is that this company gave a card to someone without proper identification, how can a company have a card to someone with using someone else information and whats so crazy is that I have told this company that it was open fraudulent and the party that did this has passed away now, how is it that a card company would even allow this without talking to anyone over the phone all a person needs is someone information and they issue a card and months down the line they tell you, you owe something this company needs to be held at a higher standard
Consumer complaint received 2017-08-28
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. (NJ)

I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Consumer complaint received 2017-08-28
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: Experian Information Solutions Inc. (NJ)

I was an authorized user on XXXX credit cards with XXXX XXXX, XXXX card was for {$200.00} and the other was for {$2500.00}. Its been about 3 months since I have been taken off these accounts and they are still reporting on my credit reports. This reporting is negatively effecting my credit and my score.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

My current Mortgage company XXXX informed me I was paying for insurance as well as my own private insurance. Technically, I should not have. 
I've reach out to Wells Fargo, XXXX XXXX and XXXX XXXX  to get to the bottom of this problem and so far no one has responded to my email dated XX/XX/XXXX. 
I purchased my condo XX/XX/XXXX and maintain private insurance up until I moved out XXXX. I rented the property from XX/XX/XXXX to XX/XX/XXXX and continue to keep XXXX insurance. XX/XX/XXXX I moved back into the resident and again kept insurance. 
I request from XXXX XXXX, XXXX XXXX, and XXXX to investigate and do a thorough audit. If they continue to pay insurance to my private insurance, than I am due any payments. 
I request from Wells Fargo and XXXX XXXX to drop the insurance and I was declined.