davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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. (VA)

A USPS certified receipt mail letter was sent to Experian and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. Please see the request below. After Experian did not send the verifiable proof in my request for validation in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g, a complaint was filed with the CFPB on XX/XX/2019 requesting deletion of said account from my credit report. 

Experian stated in their response to my complaint as the remedy that the XXXX XXXX Account filed in the complaint does not appear on my credit report any longer, and that an updated version of my credit report would be sent for my review. This statement/remedy reported to CFPB was a lie ( Please see attached complaint filed with the CFPB, as well as Experian 's response highlighted with the statement given to the CFPB ). I received an updated credit report from Experian, report # XXXX dated XX/XX/2019, in which Experian lists in a statement under this XXXX XXXX account which reads, " This item remained unchanged from our processing of your dispute in XXXX, 2019. '' Not only has Experian resorted to reporting false, unvalidated and verifiable information on my credit report, they are also lying to the CFPB stating that the dispute was resolved via non-monetary to the CFPB and is not being reported on my current credit report any longer. ( Please see attached paperwork of highlighted response from Experian ). 

Experian continues to lie and report false and erroneous information on my credit report and lie to the CFPB regarding the resolution that they stated was met. As of this date, XX/XX/2019, Experian still has yet to remove this account, as it is still being reported. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof from 2 months ago, in which the original dispute was filed. The company has yet to comply. 

* All Proof of Correspondence Attached
Consumer complaint received 2019-09-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MA)

I've tried to communicate with Mr. Cooper ( Nationstar ) since 2018, regarding a mortgage on my residential property. I was assigned resolution specialist XXXX XXXX. 

From XXXX, I've requested mortgage statements throughout, never received. 

In XX/XX/XXXX, I requested forms for a loan assumption, never received. I repeatedly inquired as to the status of these forms, and was referred to the " Research '' department. Over three months, the department never responded, even though XXXX was cc 'd on every email. 

In XX/XX/XXXX, I re-requested forms for the loan assumption using the enclosed letter. These were provided by XXXX. 

In XX/XX/XXXX, I was referred to the " Subordination '' department. I requested a response immediately, which I did not receive. As promised, I am now filing a formal complaint against Mr. Cooper.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (NY)

Ive been going through this since XX/XX/XXXX of 2023. Victim of identity theft, someone purchased items from company XXXX, I reported it to smart pay and they ceased any debt due to fraud. The collection company security credit services was charging me the debt which was confirmed as fraudulent. Ive spoken to both smart pay and security credit services multiple times they have told me the account was closed due to fraud but In XXXX it still shows as collection debt from Security credit services. I am seeking urgent help for this issue its been almost 8 months everyone tells me the account was closed but It seems like the collection company and XXXX havent had good communication.
Consumer complaint received 2019-04-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (PA)

There was a dispute that was made to LVNV FUNDING LLC in the bringing of XX/XX/2019. The dispute came back as verified, however, I never received any documentation ( the original application with my signature and the date open ), proving that it is my debt. Since the dispute, the collection has gone from derogatory to being charged off on XX/XX/19, in the amount of {$1300.00}.
Consumer complaint received 2019-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a loyal Bank of America customer for over 20 years. I transacted a withdrawal on my account for the wrong account. The money was in my saving instead is checking. The bank charges XXXX. Usually the account will tell you there not enough in the account. I called the bank and they were unwilling to assist. I never opt in to have my account overdrawn not have I ever agreed to this.
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Sears Master Card has been sending me offers since last few months. In XX/XX/2019 got several offers via email links to use the card for special promotions in sears for 24 months and outside sears for 12 months. Since the items I wanted was not in Sears I purchased from another store after activating my offer via the email link. Since I wanted to buy more I called the Sears Customer service on XX/XX/XXXX XXXX XXXX EST and the customer service agreed that I qualified for the 2 purchases ( {$4600.00} and {$1500.00} ) I made on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I paid {$500.00} thinking I got 12 months 0 % promotional APR. Today I got the XXXX statement which shows 14.3 % interest charged on {$4600.00} purchase but qualified 12 months only for the {$1500.00}. But another misleading action from Sears Customer service was they sent me a letter dated XX/XX/2019 saying that {$1500.00} does not qualify. But the statement showed {$1500.00} qualified and they applied the offer. For big amount they intentionally didn't apply and charged high interest, even after spending hours talking to the customer service and his manager. It sounded like they are determined to steal money by misleading offers. I paid the entire amount {$4600.00} and asked them to reverse the interest you charged by misleading me. They refused to refund my interest even after paying the whole amount. Please stop this fraud by Sears Mastercard and get my interest refunded for the {$4600.00}. The letter below shows their computer system prevented another fraud by applying offer for another purchase for which they send the rejection letter. 
XXXX XXXX XXXX
Consumer complaint received 2019-09-19
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: Innovis (FL)

My personal information had been stolen and account had been open in my name, I have been a victim in recent and passed data beaches, I had file an id theft report with the FTC, and I'm requesting these information to be block from my credit file.
Consumer complaint received 2019-07-03
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: Receivables Management Partners, LLC (MI)

I noticed a medical bill on my credit report. I disputed this bill with Allied Business Services. I send that dispute on XX/XX/2019 asking for validation of this debt. Allied Business Services responded with a bill summary but they also send a list of medical procedures. In my understanding of HIPAA laws, collection agencies do have the right to debt information but they do not have the right to medical information. Allied Business Services are violating my HIPAA rights by being in possession of my medical records and by sharing and validating my disputes with XXXX, XXXX, and XXXX with that same information. Also Allied business Services have not provided me with a HIPAA medical records release that i signed, but they are still sharing my medical information with the 3 credit bureaus. I am asking that this account be deleted from my credit report for HIPAA violations.
Consumer complaint received 2019-07-02
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I called American Express regarding a hard inquiry that I did not aware of on my XXXX credit report. I found an inquiry dated XX/XX/XXXX. I reported that I did not apply for any card or loan that period of time and suspect it's identity theft. They said they would send me a letter and remove it but no action has been taken since then.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

All payments were applied to interest only. While in forbearance, deferment, and income based repayment plans, I was charged exorbitant amounts of interest. I have been disputing and speaking with this company for years. I always get one answer ... we have reviewed your account and find it valid. We have the ability to legally enforce this loan. 


The amount of interest I have paid along with interest capitalization exceeds the amount of the loan. I have been unemployed and underemployed for the past 10 years. I am XXXX years old and do not see my way out of this. 


I do not know where to turn at this point. Can you help me?
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

On approximately XX/XX/2019, my daughter and I purchased a prom dress online from an online store. The dress was supposed to take 7 to 14 business days for us to receive it, however after 2 months we still had not received the dress.. On approximately XX/XX/2019 I reached out to my bank to file a dispute for the missing merchandise. The bank responded that the merchant " PayPal '' has confirmed merchandise was shipped and therefore could not confirm any error occured because the transaction was not fraudulent. 

Once I was notified of the merchant 's information from my bank, I reached out to them ( PayPal ) to inquire on the merchandise being sent or a refund being issued. This was around XX/XX/XXXX approximately. I was advised by a representative at Paypal that they do not sell merchandise and could not do anytging because the bank denied my claim of fraud. I reached back out to my bank to have the claim reopened and I also contacted and filed a complaint with the FDIC ( claim # XXXX ). After several months and many communication, I was advised the bank and FDIC can only contest the validity of the purchase and I would need to reach out to CFTB to file a complaint. 

Prior to contacting you and filing this complaint, I reached out to the merchant ( Paypal ) to again inquire on having a refund or the merchandise so that a return can be processed and was told again they could not assist because the bank had already denied the claim. I advised XXXX that the bank denied the claim because the transaction was not fraudulent, however still no merchandise had been received. She stated it was nothing Paypal could do since the bank denied the claim. I asked to speak with a supervisor and was put on hold for over 30 minutes with no one returning to the line. I have not neen able to get my merchandise ( which I no longer need because my daughter has now graduated and missed her prom ), nor a refund. I simply want my money back at this point.
Consumer complaint received 2019-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX I contacted Transunion to resolve the issues i have with my credit report and their customer service would not help and take care of the negative inquiries reporting to your credit report. 
Also in XX/XX/XXXX, I mailed documents to Transunion telling them about these issues about the inquiries i have on my report. They told me i did not send in any documents but they were sent certified mail. 
In XX/XX/XXXX i worked with a credit repair service whom also mailed certified mailed documents to Transunion but no actions were taken. 
In XX/XX/XXXX i spoke with Transuion to let them know my social security number was compromised and a freeze was placed on my account. But they are still allowing me to have issues with my account. 
I would like to get these issues taken cared of quickly as possible. I have been trying for the last 2 years to get Transunion to take care of an issue and i haven't received any help as far. 
I would like these inquires removed from my credit report in a timely manner.
Consumer complaint received 2019-07-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

After getting XXXX and being out of work Navient our my loan in forbearance and each year adjusted my payments based on my income. But the payments were apparently interest only but the amounts didnt cover interest either. 

By the time I had a XXXX child two years later and we attempted to do forbearance again we noticed our loan balance actually went up over the course of 3 years because our payments that were decided for us didnt even comer all the interest.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX {$0.00} Charge Off : XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2019-09-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NM)

I send a letter on XXXX o f which they received XXXX asking for my medical release forms in which I authorize third parties to have my medical information release with my signature on it included. I had given them 15 days to send them back to me or cease and desist from pursuing the alleged debts also erase all negative remarks from all XXXX credit bureaus. today is XXXX had not receive nothing not even a letter of acknowledgement, no negative remarks on credit report remove or Hippa medical relese forms of which by law they must provide upon request - >. I will upload the letter I send via certified mail with return receipt thx
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On or about XXXX, I negotiated a mortgage contract with the Realtor in XXXX but the contract was written in XXXX & was told that the interest & monthly payments fixed. Later I negotiated a mortgage with a fixed interest rate & payments I can afford for the life of loan. 
On or about XXXX, I suffered multiple family, major health that caused severe financial hardships. I contacted XXXX ( servicer ) & informed them of the issues & they agreed on the terms of new modification & that the documents will be sent. Soon after Nationstar became the ( new servicer ) & even though they accepted my mortgage payments they have yet to send me the modification contract they agreed to & now in their foreclosure process in which a Trustee Sale maybe schedule at any day Now.
Consumer complaint received 2021-11-30
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I sent Equifax a certified letter ( view attached ) requesting verification of Inquiries on my account. Inquires that Im not aware of. I asked for further investigation to be done because, if you look at my XXXX. Its not all the same across. I wrote to Equifax, I called Equifax XX/XX/2021. I spoke to numerous representative that stated nothing can be done. XX/XX/2021 I wrote to Equifax again, I have not gotten a response in regards to this issue
Consumer complaint received 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (MD)

This is a continuing complaint from complaint ID XXXX. 
I received Terms and Condition of Modification and related documents from Nation Direct Mortgage. In these documents most of my payments from XX/XX/XXXX to XX/XX/XXXX are missing. 
Today I called Nations Direct Mortgage the XXXX number which is on the documents and was told that my payments were {$3400.00} from XX/XX/XXXX and I have a balance of {$41000.00} due, which I have never been notified. My modification trying period monthly payment was XXXX.
Consumer complaint received 2019-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA has continued to reorder transactions to maximize their fees in my account and delay USAA to USAA transfers to bounce transactions. I am " opted out '' and thus if I do not have enough money, debit transactions should be declined. Instead, they reorder charges to always process ACH transactions last, so debits always go through and they can charge overdraft fees on the ACH transactions. On XX/XX/XXXX I added {$200.00} to my USAA account from USAA brokerage. On XX/XX/XXXX a {$90.00} ach was bounced because even though USAA had my money and had taken it from my brokerage, they did not credit it to me until XX/XX/XXXX, essentially holding it themselves on the day of XX/XX/XXXX so it was available in neither USAA account and resulting in a {$29.00} NSF fee. Then, they charged another {$25.00} overdraft fee by reordering transactions that same day they had my money not credited to clear the ACH last instead of a debit last, which would have resulted in no fee, to say I was - {$1.00} because of an ACH. They continuously reorder fees to process ACHs last on people that are opted out to maximize fees, and also process largest to smallest then to maximize fees. In addition, they delay USAA to USAA transfers making the money available in neither account to hold money for a day to bounce items.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

I opened the account based on a promotion : Qualifications to receive {$400.00} Welcome Bonus - within 150 days of account opening, receive a cumulative monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. 

I travel abroad and upon calling Wells Fargo, they would not allow me access to reissue direct deposit after my depositor stated they had to have a letter directly from them. 

So the deposits were unable to be set up until beginning of XXXX. But this was after calling Wells Fargo, and them repeatedly denying my inquiries. Also, blocks on accessing their website from outside the U.S. presumably. I explained to the agent that my promotion required my direct deposits but he said that I needed to come into a bank branch which is physically impossible. 

Still, I deposited values, equaling over {$29000.00} during the months of XXXX, XXXX and XXXX, which meets the requirements for deposits within 150 days over 3 consecutive months. The bank representative XXXX XXXX in customer care at first told me that they were not made within first 3 months ( not as promotion period stated ). When I corrected her that I had until XX/XX/XXXX to be within 150 days, she stated that {$3000.00} was not made in XXXX, but the promotion states cumulative monthly total, and she refused to honor it. 

To beware : 1- Wells Fargo prevented me from setting up direct deposit through their " safety measures '' while I was out of the country, disallowing me from quickly satisfying terms. 
2- Wells Fargo read an absolute ( or partial ) sum of one month to say I did not qualify, instead of the cumulative sum that they placed in their offer. 

This is misleading and very regrettable, and I hope to advise others to not fall into a promotion that they do not intend to give.
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX, XXXX ( Original XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX