davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: Westlake Services, LLC (TX)

On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX XXXX XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Consumer complaint received 2022-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (VA)

I found out midway through the loan that it was interest only. After paying 4 years in and still not having any amounts reduce the financed amount. I was told and encouraged to go through the company 's rewrite service which would reduce monthly amount. I was told I needed to pay up 25 payments in order to qualify. Which I did in XXXX. I was supposed to have entered the rewrite process but it did not happen. At the time I was told bc I wasn't current. So I paid the bill current in a lump sum amount and again for the 2nd time in XXXX, the rewrite did not happen. The reason, bc the request was never put in and another bill had become due. At this juncture, I began falling behind again. My most recent request, XX/XX/XXXX, I was able to save up and pay another lump sum ( {$1700.00} ). Was told the process would take 14 days. When I went in to pay my XXXX bill, the rewrite again did not happen. This time stating I failed to call back and request. Each time I make the lump sum, I have confirmed the request for rewrite. Which is the reason I have paid the lump sum. I called back to confirm my payment but again, the company has failed to process and charged fees, to which will cause me to fall behind again. It is starting to appear fraudulent. The many requests for extra money, piling on of fees, and failures to process requests as discussed. They have managed to gauge over {$30000.00} for a car with barely {$19000.00}. And we still owe {$13000.00}. They are a complete fraud!!!!!
Consumer complaint received 2022-03-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

I'm XXXX XXXX, XXXX, ( XXXX ) XXXX. XX/XX/22 I called Merrill Lynch to close my XXXX of {$35000.00}. I need it for another investment, so I closed it early. This was the sole reason for closing it, and I paid Capital gains tax of 20 % plus I will need to pay the penalty, which I expected. So on XX/XX/22 all was good, the agent informed me I would receive the check in 5 to 10 days. No check came. XX/XX/22 I called and spoke with XXXX XXXX, he informed me the first agent gave me wrong information. It should be 7 to 14 days. I said ok, then still the check should be here, he agreed. He informed me I can wait for the first check or they can stop payment the cut a new check, Taking at minimum another week. As I stated I needed my money for another investment, I negotiated the new endeavor according the the time frame these agents gave me. No check. I called XX/XX/22 spoke with XXXX XXXX ( quite rude, but doesn't matter ) He gave me the same options. I explained I will lose the new investment if I don't get it. Nothing so I asked for a supervisor, XXXX XXXX refused to give her last name ) she asked to wait a few more day. I agreed if she would call me on XX/XX/22. She agreed. No phone call, no check, will lose investment already put down, pay taxes and penalty because they gave false information.
Consumer complaint received 2022-03-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I at no time whatsoever authorized the XX/XX/XXXX XXXX inquiry. When I contacted XXXX XXXX XXXX  services to obtain a reference number for the inquiry, I was told there was none for the date of XX/XX/XXXX because no further inquiries had been submitted after XXXX of this year XXXX.
Consumer complaint received 2021-04-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (FL)

In XX/XX/XXXX, I contacted Nelnet, a student loan servicer, via its website. The website is filled with information related to COVID-19, needing help with student loans, etc. The website states that during a COVID-19 forbearance interest is not capitalized.

The website discourages borrowers from telephoning and encourages borrowers to apply for forbearance via its website. I used the website to apply for a forbearance for a COVID related income reduction. This was good for 90 days. I utilized the same process in XX/XX/XXXX. 

In XX/XX/XXXX, I learned that my Economic Hardship application was denied and I would have a {$750.00} payment due that month. I could not pay that amount because my net income is $ XXXXmonth. I called again and was told I should apply for the Income Driven Repayment Plan, which I did the same day. I was also told I would get another 90 day forbearance because I said my repayment problems were still related to COVID. 

On XX/XX/XXXX, I learned that Nelnet did not give me a COVID forbearance that would not capitalize interest and instead gave me a " general forbearance '' whereby accrued interest would be capitalized into the principal. 

I feel like Nelnet engaged in a " bait and switch '' as to the forbearance. During my call on XX/XX/XXXX with Nelnet, I learned it was not possible to obtain a COVID forbearance via their website and that anyone with my type of student loans ( Federal Direct that were consolidated ) had to call Nelnet to obtain the COVID forbearance. This was incredibly misleading and I believe that this is an illegal " bait and switch ''. 

To a lesser extent, I am also complaining the IBR program was not fully explained and I believe I was pressured into it because Nelnet did not want to give me another COVID forbearance despite the fact I had to remind the Nelnet rep I knew that the COVID forbearance was extended to XX/XX/XXXX. XXXX Knowing now that I never had a COVID forbearance and instead got a " general forbearance '' makes me even madder because the rep on my initial call in XXXX should have realized the mistake and brought to my attention. ) I have already been paying on my student loans for 20 years. Why would I want to move to a plan that is based on " forgiveness '' instead of repayment? Today I learned that this plan calls for me to make payments for 25 more years. I will be XXXX years old. I think I would be better off waiting for my income to return and utilizing the COVID forbearance in the meantime to avoid default. And they would not let me " undo '' the IBR program once I learned the additional facts. In fact, there was no undo option even though I was just advised I was accepted today and have not made any payments under the plan. Again, another " bait and switch '' tactic by Nelnet..
Consumer complaint received 2023-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (DE)

I want the collection removed off my credit report I paid the {$620.00} in full XX/XX/2023 I called the company transworld system  and they have sent me a email saying that I paid off the debt and to contact XXXX to remove it off my reports ASAP as I am trying to purchase a house and this is hurting my report for something that shouldn't be there anymore
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I reached out to trans union, XXXX and XXXX by mail for a dispute on XX/XX/XXXX regarding inaccurate information on my credit report that was report by XXXX XXXX XXXX I advise them that I was not responsible or liable for any charges presented on my I was told that the apartment was moving ready up on my arrival I walked into a partially clean property theres trash and breeze in every room the walls werent even painted there were cobwebs in the XXXX XXXX unit did not work at all there was a huge issue for me and my children myself the humidity and heat was triggering XXXX symptoms for my children I sent communication several times to the company and they did not respond they left me no choice but to find another place add this went on for three weeks off I reached out to the landlord numerous times so I decided it was time for us to move we was only there for three weeks but did not have any air and it was over XXXX in the house I even advised her that I was not going to get the electricity switched over until they had it fixed the walls were never done painting and this is how it looked the day that I moved in I have sent Trans Union pictures I sent them the day that I signed my new lease and the invoice that was sent to me the information thats been reported is an inaccurate she said I moved out XX/XX/XXXX my new lease shows XX/XX/XXXX A receipt was sent to me for {$2800.00} the information from the debt collector had a different amount on there which was {$2900.00} She charged me the damages to a wall that wasnt even painted and I sent all of this proof over to Trans Union and Trans Union sent me a letter and XX/XX/XXXX stating that the information was valid so I called Trans union XX/XX/XXXX and ask them how is the information valid when I sent over proof why is it not delete it off my credit report and the guy from Trans Union told me that it dont matter what documents that I sent in if the debt collection agency states the debt is valid then its gon na stay on account until they remove it and I kept asking him how because all information have to be reported accurate and I was told sorry maam theres nothing that we can do unless the debt collector remove it
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. 

I have consistently demonstrated a strong commitment to honoring my financial obligations by promptly settling my bills. I decided to automate my payments by setting up an online auto-payment system. However, to my dismay, I later discovered that this transaction had not been successfully processed. 
On the other hand, I discovered that Kohls has failed to report my complete payment history, they are missing numerous on time payments I have made. Despite my efforts to ensure that the information on my account was accurate, I discovered that Kohls had reported incorrect information to the credit bureaus. This error had a significant impact on my credit score, making it more challenging for me to obtain credit, loans, and other financial services. 
Moreover, Kohls failed to comply with the FCRA 's notice of adverse reporting requirement. I was never notified of any adverse reporting, despite the fact that there were multiple occasions where such reporting occurred. 

This issue has caused me significant stress, and it has a negative impact on my financial well-being. Specifically, my credit score plummeted by XXXX points, I had been in the process of purchasing a house. But with this sudden drop in my credit score, the mortgage lender withdrew their offer.
Consumer complaint received 2022-03-15
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. (MD)

I recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.
Consumer complaint received 2022-03-15
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. (MD)

I recently reviewed my credit report and have noticed some items that I did not authorize. I have done some research and have supplied you with all the documents necessary to have these accounts and inquiries removed from my consumer report. Please view the attachments and investigate these accounts thoroughly.
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams, Rush & Associates, LLC (GA)

Around XX/XX/XXXX and XX/XX/XXXX Williams Rush & Associates LLC, contacted my mother whom resides in a different state than me, discussing information for a debt they claim that I owe them. My mother passed the message onto me right away after they told her they would revoke my XXXX XXXX license. I reached out to them via telephone as soon as I got the message. After, receiving nothing but demands, threats, and unprofessionalism I ended the phone call in told them I would prefer to communicate via mail correspondence. 
Since XX/XX/XXXX up until XX/XX/XXXX I have been sending certified mail correspondence requesting more information seems to they had already put a {$3000.00} debt collection on my credit report. For months they failed to reply to my letters within a timely manner up until today XX/XX/XXXX in which they still failed to provide me the information requested. Instead, they sent me only a contract from they original creditor whom I no longer hold a contract with or owe any monies. It has been well over 120 days I have been patient with them in they failed to comply by any of your federal laws. This is an act of Defamation, a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), and a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ).
Consumer complaint received 2022-03-15
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

Dear Sir or Madam : My wife and I recently ( XX/XX/2022 ) attempted to refinance my mortgage with US Bank. I chose them because my existing loan was already with them. I was assigned a loan officer, XXXX XXXX XXXX XXXX help the process go smoothlyI thought. 
I filled XXXX XXXX in with all the personal and financial information he requested. He indicated that the only out of pocket expenses I would be responsible for was an application fee of {$390.00}. I learned, as the process continued, that XXXX XXXX concept of Out of Pocket did not include what eventually would become thousands of dollars in bank charges taken from the sum I was borrowingbut the truly outrageous problems were yet to come. 
In the first set of loan documents I was sent the estimated cash to close included a cash payment to me of {$4400.00} plus dollars. Less than what I expected but XXXX XXXX explained that because they had to increase the amount of the loan based on my income the costs had gone up. These loan docs were e-mailed and I Docu Signed them. 
In the mail arrived a full set of loan docs on paper for my wife and I to sign. On the page that included the costs, what previously was {$4400.00} plus dollars had now become {$550.00}! The costs had once again gone up. I tried calling XXXX XXXX for four days but got no response. Instead I received an e-mail from him with all the Loan Docs for me to final review. On the cost page of these docs was a shock. The {$4400.00} that had become {$550.00} was now listed as {$22000.00} for me to pay the bank in order to get this load!!?? After two more days of trying which included have the US Bank home office send an e-mail to XXXX XXXX telling him to contact me, I finally reached him by calling all morning. 
On the cost page the loan had gone up, the points had doubled and other costs had been included. XXXX XXXX put it off to the back that my home, that the XXXX had listed at {$630000.00} was now worth {$730000.00}! He also seemed totally unaware of the {$22000.00} the bank wanted me to pay them to get this loan. 
In the past 50 years I have had many mortgage loans and have been through a number of refinances. No bankruptcies never missed a payment, never foreclosed. What this appears to me is a clear case of discrimination. The bank feeling that my wife and I were XXXX plus and therefore a poor risk. Rather than just pass, they felt it was easier to propose an outrageous amount of costs and therefore I would just go away. To this day I have not received the $ XXXX XXXX paid as the initial fee, nor any sort of reasonable explanation for the hours my wife and I spent with paperwork only to be left with nothing. 



Sincerely, XXXX XXXX XXXX XXXX ID in XXXX
Consumer complaint received 2022-10-10
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/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NV)

On XX/XX/2022, I processed two transactions via XXXX powered through PayPal and they canceled both transactions I have a pending hold that has not been released yet I contacted them as well as the card company ( RushCard ) the transaction has been pending since the XXXX I called them and they said that they would send me and the card company an email that shows it was lofted the card company said if they can provide that, they will do it manually on there end its {$1600.00} + the fees The transactions action numbers are XXXX and XXXX
Consumer complaint received 2022-10-10
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. (GA)

I filed a dispute XX/XX/22 and requested XXXX verify and validate the collection account listed as XXXX XXXX XXXX on my credit report.XXXX updated the account increasing the balance {$1.00} then closed the investigation. I then requested the method of verification used so I can get more information on this erroneous account myself, XXXX and Transunion Failed to provide documentation. This account also reports a monthly balance in its charged off status.
Consumer complaint received 2022-03-14
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NV)

I have send a letter to Equifax asking them to REMOVE my fraud alert on XX/XX/2022. ( See letter attached ) Not only they did not REMOVE the alert they keep sending me that I am REQUESTING to add an additional year. 

My letter reads Cleary and I want my FRAUD ALERET to be removed immediately, not extended. 

I need help with this company ( Equifax ) actually removing my fraud alert instead of playing games sending me letters to extend it for another year.
Consumer complaint received 2022-03-14
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: EQUIFAX, INC. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX # XXXX How can you say this account is accurate when clearly it's not... EVIDENCE IS RIGHT THERE IN BLACK AND WHITE... date last active transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX THAT DOESN'T LOOK ACCURATE TO ME! ! 3 DIFFERENT DATES..THIS REPORTING IS A VIOLATION MY RIGHTS AS A CONSUMER .... DELETE THIS ALREADY SO I CAN REST!!