davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

RE : Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This complaint is about how funds were applied to the subject mortgage and why there is a partial claim lien on the property. 

I received a grant from XXXX the XXXX XXXX assistance in XX/XX/2022. My mortgage loan was reinstated with {$12000.00} and I was scheduled to receive six months of payments which added up to {$4300.00}. My total XXXX  assistance through XXXX the XXXX added up to {$17000.00}. However, it appears, my loan was reinstated prior to receiving the XXXX the XXXX assistance using a partial claim in the amount of {$11000.00} in XX/XX/2022. 
I spoke with XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and she has confirmed the XXXX XXXX XXXX  monies were paid out to US Bank for my mortgage loan.

Since it appears both monies were applied to my mortgage loan, the math does not make sense on what my balance owed on the mortgage would be given the initial loan amount was only {$100000.00}. 
Questions : XXXX ) What happen to the monies from XXXX XXXX XXXX XXXX ( {$17000.00} ) XXXX ) Shouldnt the partial claim lien have been removed from the mortgage account? The reinstatement amount that was given to XXXX the XXXX should not have been so large if a partial claim was used to reinstate the loan.
Consumer complaint received 2022-08-29
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: CREDIT ACCEPTANCE CORPORATION (TN)

In accordance with the fair credit Reporting act CREDIT ACCEPTANCE CORPOR, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
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Consumer complaint received 2022-08-29
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: GOLDMAN SACHS BANK USA (IL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I had a credit balance on my Macy 's credit account. This credit balance is shown on my XXXX statement. The following month on my XXXX statement, it shows that Macy 's charged off my credit balance. The is a message on my XXXX statement that acknowledges my credit balance and that I have four months to use the credit on my account. 

I contacted Macy 's Customer Service and they informed me that they charged interest on my XXXX balance account, therefore taking my credit balance. This is not legal nor true according to my statements. I can provide my statements if needed to resolve this matter. 

Taking my credit balance in 30 days is wrong and I would like to rectify this matter and refund my money. 

Thanks.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (OH)

I have contacted XXXX XXXX about a account that was opened in my name is now being reported on my credit reported they was supposed to take care of the issue I told them its not my ssn that this account is linked to but it is being reported on my credit report the account number showing on my credit report is ending in XXXX. I have talked to customer service and they bring the account up by four digits that is similar to my son but not my ssn and the say they can't give me any info
Consumer complaint received 2022-08-29
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. (MO)

In accordance with the fair credit reporting act Account # XXXX # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2022-08-29
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. (OK)

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

Transunion is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$12000.00} from my XXXX XXXX bank of America had been fraudulently stolen via bank transfers. There were 3 transactions dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$5000.00}, {$5000.00} and {$2900.00} were transferred out. I filed complaint on XX/XX/XXXX to Bank of America, the prepaid card holder. Instead of investigating they replied that the case is closed and they did not find out anything wrong. They even revealed that my email address and other information has been changed. The said amount of was transferred to another bank. I have been calling them every day and surprisingly every time they have to reopen the case. I have provided them police report number, my id and my statement. It has been over a month and they have not even began investigating. 
I support family of 5 including 3 school going children. I have difficult time meeting end meets. I request you to please help me to expedite the case so I can meet my day to day need.
Consumer complaint received 2020-06-06
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: Nelnet, Inc. (VA)

Firstmark is reporting a student loan account with an incorrect original delinquency date, which is preventing it from aging off of my credit report. The account was originally under Nelnet ( see attached statement from Firstmark, page 2, under lender details ) in XX/XX/XXXX. It went into repayment per the promissory note in XX/XX/XXXX, and it has never been paid or brought current. From XX/XX/XXXX-XX/XX/XXXXI was in chapter XXXX bankruptcy. Firstmark purchased the loan & re-aged the account after my chapter XXXX  bankruptcy plan was completed, and is reporting the account with an incorrect original delinquency date of XX/XX/XXXX. The account is scheduled to be removed in XX/XX/XXXX, but it should now be deleted due to its age.

I have attached the account statement & my chapter 13 bankruptcy documentation.

I notified the creditor in writing with no response after 90 days, then reported to credit bureaus and have received no resolution after 30 days. I do not agree that I owe this debt, the account is over the statute of limitations in my state, and the account has been reported as delinquent on my credit report over the maximum reportable time per the FCRA.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a capital one account 4 years ago and used the card XXXX time. After using the card I called the number on the back to make payment and was told I can not make payment because the account has been frozen for identity issues so the ask me to send a copy of my ID and a copy of my social security card and a piece of mail with my name and address preferably a bank statement or bill so I did all of the above and about XXXX months go by and I get contacted that my ID wasnt good enough because it was a pass port card and I needed a state ID and I told them that I was not paying to get a card that I do not need that a passport is federal and they said they would not except it. So another month goes by and I received a call from a lawyer saying my information has been compromised by the credit company capital one and I explained what had been going on with them not letting me pay my account and close it because of the stuff they put me through. The lawyer said he could take payment and clear everything up and remove any outstanding charges and interest and he did exactly that. But then I received a copy of my credit report and it shows capital one as being substantially late by 120 days. I sent them all the information I had and they took it down to 60 days late and its been making my XXXX XXXX go down every month since. Now its been 5 years and I have excellent credit with all my accounts and have never paid late or missed any payments but because capital one still shows for 7 years the I miss payment for 60 days late and it takes over XXXX points off my XXXX XXXX every month and I cant get my score to go above XXXX points after all this and it still affects me every month for XXXX more years and thats not fare. I tried to take care of this immediately and they wouldnt let me in because the account stayed frozen for 120 days. Thats how theyre keeping it on my credit report and thats not fair. Ive been XXXX years with excellent credit and they are destroying my credit report every month and I can not get my score to go up and its holding me from getting better credit.
Consumer complaint received 2022-08-29
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. (FL)

CFPB + Equifax + XXXX XXXX, On my XX/XX/XXXX Equifax credit report it says I have a 90 day late pay on XX/XX/XXXX as well as a 60 day on XX/XX/XXXX from this account below : - XXXX XXXX XXXX  xxxxxxxxxxxx XXXX Attached to this complaint I have a letter from XXXX XXXX dated XX/XX/XXXX that clearly says they have requested the removal of delinquencies previously reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The XX/XX/XXXX and XX/XX/XXXX as of XX/XX/XXXX has yet to be removed. 

Attached to this complaint are : - my drivers license - my address - my W2 to show social security number - my complaint letter - letter from XXXX  XXXX - screen shot where it shows on my Equifax credit report Please have this handled, as the letter from XXXX XXXX says, immediately as this false information is damaging my credit and my ability to obtain credit.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (IL)

I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BlueChip Financial (GA)

On XX/XX/XXXX, XXXX from XXXX XXXX called my cell phone stating that he was a process server for the state of XXXX  and asked for my supervisor 's name and number to get information on how to send a sheriff to my job for a court case. He stated that it was for a " bad check '' written to Spotloan. I ended the call. He then called my mother looking for me and started rattling off her social security number, address and date of birth in an attempt to scare her into giving them my info. She did not give them any info and hung up the phone. They called my phone again on XX/XX/XXXX and again on XX/XX/XXXX. On XX/XX/XXXX, they also called my husband looking for me. On XX/XX/XXXX, they called again and I told them that I will be filing a complaint. I have not had any dealings with Spotloan since XXXX. I have even had a previous CFPB complaint about another collection agency, XXXX XXXX XXXX XXXX, calling me about Spotloan. Spotloan responded that they had no relationship with XXXX XXXX and that they would address the issue directly with XXXX XXXX.
Consumer complaint received 2020-02-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

In attempt to pay the debt in full, i contacted the Merchant Adjustment Bureau. When reached, they informed me that there was no longer any debt owed to them. The debt was not in their hands. After this was confirmed i had them removed from my credit report with XXXX  but they were not taken off of XXXX. It was not and is not there debt, during the attempt to make a payment. They do not need to be on my credit report.
Consumer complaint received 2019-02-06
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (GA)

I acquired a copy of my credit report on XX/XX/2018 from all three of the major credit bureaus and was shocked to see several student loans on my report. These loans do not belong to me. I sent a dispute letter to the three major credit bureaus in XX/XX/2018. Several of the accounts were removed but there are still several that remain. I sent a discovery letter to the company that is holding the accounts, Navient on XX/XX/2018 asking for a copy of any promissory note that I had signed that linked me to these debts. On XX/XX/2018 I received a reply in the mail and on the cover page is a statement that reads " We've enclosed a copy of the documents you recently requested ''. Behind the cover letter was a thick set loan papers ( signed applications, consolidation application and promissory notes ) > OTHER PERSON! A man whom I have never met, in a state I have never been to and to a school I have never attended. Set aside that Navient has reported someones else 's debt on my account, they sent me someone else 's name, address, social security number and other personal information. There is far too much identity theft in this world and to aid in that is just unacceptable.
Consumer complaint received 2019-02-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (CA)

As of today, XX/XX/XXXX, my request for my consumer file has not been provided nor have I received a response to my complaint submitted on XX/XX/XXXX ( see attached ). As a reminder pursuant to 15 USC 1681B, any account that a credit reporting agency continues to report without being able to substantially validate is a direct violation of my rights listed through the FDCPA and FCRA both together and separately. Equifax is intentionally and willfully neglectful in remedying my affairs as they confirmed that they do not have any substantial proof of evidence for the below-mentioned account to be able to legally furnish the account on my consumer report. As a reminder, I am not requesting a dispute.15 USC 1681 e ( b ) assures that I am due, and promised accuracy in my report based on federal law. 15 USC 1681 I ( A.5 ) says that after are investigation all unverified information must promptly be removed. This will be my final demand for Equifax to remove the account XXXX XXXX XXXX XXXX - XXXX from my consumer report immediately. Otherwise, I will proceed with seeking legal action.
Consumer complaint received 2020-02-06
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)

I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury tp my person as I am not able to acquire new credit based on these false invalidated claims.
Consumer complaint received 2023-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

I sat on hold for Nelnet for almost XXXX hours and was unable to get in contact with anyone. I tried their chat, website, and phone was the last option. It should not be that hard to talk to someone about my loan.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I have a fraud alert placed on my credit report at all three credit bureaus. I called all three companies to have it removed, as " I did not initiate the alert ''. After two days of speaking with multipul representatives. I still am no closer to a reasonable resolution. Experian directed me to their website to upload my drivers license and a utilities bill to verify my identity which is great as it is hard to get around. SURPRICE!!!!! the website does not work. Experian claims they recieved the alert from XXXX, who claims XXXX   initiated the fraud alert back on XX/XX/2019 When I inquired as to how these fraud alerts were initiated I was told only I personally could intiate the alert. SURPRICE!!!!!! 
" I did not intiate the alert! ", Hmmm?, I must be sleep walking. I keep my credit reports locked unless I am apply for something. this whole thing seems like a scheme to get you to buy one of their credit monitoring packages. whatever help you can offer is appriciated.