davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Updated report : After this transfer, I connected another bank to my XXXX account and initiated a smaller transfer of {$39.00} on XX/XX/22. This has also not been delivered to my external bank. 

As it stands the entirety of my account with XXXX is inaccessible. With no support or ATM card available from XXXX  my money is stuck in a limbo. I intend to close my account, but I can not trust them to successfully transfer my entire account if they can't even transfer {$130.00}. This is unacceptable. 

Previously reported : XXXX switched banking partners from XXXX XXXX  XXXX New York Community Bank ( NYCB ). After this change was announced, I was forced to deposit my funds to NYCB because the external accounts transfer feature was not working. After creating my NYCB account through the XXXX portal on XX/XX/22, I initiated a small transfer of {$100.00} to an external account on the same day, XX/XX/22. After nearly 2 weeks, those funds have not been delivered and XXXX has provided no support in the matter. The customer facing agents say they escalated the case, buy my {$100.00} is still missing. I have already contacted my external bank and there is no indication of a deposit from XXXX. The funds were never received by the external bank and therefore not received by me. XXXX continually dismisses the issue and says it is not their problem, yet they do not have an escalations or fraud department for me to speak to directly.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (NY)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: DISCOVER BANK (MI)

I am vastly ahead of the repayment plan in payments and for the second quarter in a row the interest rates are going up on my loans. How does paying ahead and having improved credit result in the student loans taking your interest rate and raising it again even legal?
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Once again they have incorrect information [ report XXXX ] even though we submitted through your agency. All you did was take their reply and close the file. How many times do we need to repeat the process until the report is correct? This is causing us severe financial impact. Attempts to correct on line failed since they provided incorrect validation information. Attempts to call by phone failed as usual- 1- My name XXXX XXXX it is NOT XXXX XXXX XXXX XXXX XXXX. 2- XXXX XXXX XXXX is not ours. and not a savings plan. It was a retail purchase paid to XXXX balance months ago! Basically all debts paid down and still a miserable score and incorrect reporting! Same issue with numerous inquiries, missing Security hold but they have a " State Legislation '' hold on the account- remarkable. XXXX XXXX XXXX XXXX mortgage since XXXX 2017
Consumer complaint received 2020-11-09
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. (NJ)

I am a victim of identity theft and/or breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft and/or breach of information.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (OK)

My Chime Bank Account routing XXXX, account XXXX reflected 3 charges for {$95.00} to XXXX XXXX XXXX. I contacted XXXX XXXX, only got to speak to a answering machine and have left 3 messages. Filed disputes with Chime. I don't have a XXXX XXXXXXXX XXXX  card, nor have I applied for one. This is literally tying up {$280.00} of my money that I need to buy a car right now. I have had no response from the credit card company nor the bank.
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (VA)

My loan service company XXXX XXXX in XXXX advised me via email, they were transferring my loan service to another company. 
I waited for who to pay my XXXX payment. I paid XXXX XXXX XXXX in XXXX on time. I received no notification of who I should pay. I emailed XXXX XXXX XXXX and they told me via email to pay XXXX XXXX as they are now my loan servicing company. 

Shellpoint claimed in XXXX they are the loan servicing company. Shellpoint said they sent me a welcome letter which I never received. If I would have received the letter I would not have emailed XXXX to find out who I should pay for the XXXX payment. 

I advised Shellpoint in XXXX that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. XXXX took 2 months to verify that I paid XXXX XXXX and on XX/XX/XXXX they received the payment from XXXX XXXX. 

My complaint I asked Shellpoint to send me the welcome letter or any letter stating they are the loan servicing company. Shellpoint never sent the Welcome letter I requested. They also never showed me that they sent any letter to XXXX XXXX XXXX stating they are loan servicing company for my loan and to rectify their error. XXXX never notified me that Shellpoint is my loan servicing company. 

Shellpoint severly damaged my credit report by not taking immediate action to verify that I did pay XXXX payment as stated in the XXXX loan email. 

I tried to call Shellpoint loan servicing all they said they don't take calls. Their customer service advice I should send them all three credit reporting agency my credit reports. Shellpoint has that credit information. Shellpoint was trying to get to accept their interpretation of ruining my credit by not talking to me. 

Shellpoint has the community loan email instructing my payment be made to XXXX XXXX, my canceled check to XXXX XXXX, but what I do not have from Shellpoint any official notification that XXXX transferred the loan to Shellpoint. I know Shellpoint did not contact XXXX nor did they send me an official notification. Shellpoint should have reached out to XXXX XXXX that they gave XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX gave me the wrong loan servicing company. 

I do know that Shellpoint is now acting as my loan servicing company with no proof from XXXX that my loan was transferred to Shellpoint not XXXX XXXX as told to me by XXXX XXXX XXXX. 

I spent 7 years a perfect on time payment record with XXXX. I built my credit score to XXXX. Shellpoint erroneous notified the credit bureau of late payments and my score dropped to XXXX. I can not get loan for my sons school or even any type of loan with that score. There were very serious damages to me, by Shellpoint destroying my credit.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Transfinancial Companies, Inc (IN)

XXXX has a medical debt opened on XX/XX/2020 for a balance of {$290.00} reported as three different collections with each having their own account number. This is fraudulent, there is only one collection and I disputed it at least twice and each time I dispute the error the debt collector reports it again under a different account number adding another collection on my report for the same debt. Neither XXXX nor Transfinancial Companies will take accountability for this fraud. This is willful and intentional fraud and violation of the FCRA and my rights by both XXXX and the debt collection agency known as Transfinancial Compaines based out of XXXX XXXX Louisiana This is hurting my credit and my lending ability and I want them both held accountable and punished I will pursue a Federal Lawsuit if this is not resolved
Consumer complaint received 2019-06-27
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: DriveTime (PA)

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Consumer complaint received 2023-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (TX)

This is a joint account that I am not aware of. I called the company to get a contract for this account. The company refused to give me any information. The company told me if I gave them {$11000.00}, they would reinstate me and delete this from my credit.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-12-14
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. (IL)

I sent a certified letter, tracking number XXXX through XXXX on XX/XX/XXXX to XXXX XXXX XXXX XXXX and they have not replied in a timely manner. I have attached the letter that was sent to them and the reasoning for it. I have not received a response within the last 30 days. So I am asking for this debt to be deleted on my credit report.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (IN)

I have submitted all the paperwork and documents asked for to three different mortgage advisors, each one tells me it has been approved and then they get transferred or promoted to another department without any contact information or paper trail. They lose everything and the papers constantly have to be resent to either the same mortgage advisor or resent the whole package several times to the new advisor. XXXX was absolutely rude and mean as she yelled at me over the phone many times and told me I deserved to be on the street and foreclosed on. Now, within the last two years my home has had over {$100000.00} in damages that I can not get any XXXX to repair because this company can not find the documents that were sent in numerous times and/or because of the level of difficulty it has been to get payment for their services ( XXXX XXXX XXXX, XXXX, XXXX, has gotten a run around for the {$3000.00} worth of repairs he did ). Since the home is in forclosure no one wants to do the repairs because they don't think the mortgage company will pay for it. Its been two years living in 4 rooms of my 21 room home with XXXX kids and XXXX dogs. We need help. I am XXXX since a car accident in XXXX, XXXX, and can not get anywhere with BSI. Loan # XXXX. Call me anytime XXXX. My ex husband left me 6 years ago and they still have his name on the loan even though XXXX got the underwriters to approve of removing him. He has not contributed a dime in over 15 years. Please help.
Consumer complaint received 2019-06-27
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: Santander Consumer USA Holdings Inc. (PA)

I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.
Consumer complaint received 2022-10-17
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. (VA)

In XX/XX/2022 I ordered two pairs of sandals from XXXX XXXX, owned by XXXX ; they were charged on my Citi Bank MasterCard # XXXX. I returned both pairs for credit on XX/XX/XXXX. When I saw on my statement only one pair was credited I contacted Citi ; they stated that XXXX received only one pair. I have been going back & forth with Citi numerous times since XXXX. I sent them copies of receipts from XXXX as well as copies of the two prepaid return shipping labels provided me by XXXX. I asked both Citi and XXXX to use the tracking numbers to verify, XXXX related to Citi that they only receied one parcel. Citi states the case is closed. I do not know whether either party used the tracking numbers. So I tracked them myself. I have tracking numbers printed by XXXX  showing that I returned both parcels on XX/XX/XXXX and XXXX received both pairs on XX/XX/XXXX. I have sent copies to both parties on XX/XX/XXXX. I have not heard from either party. I will send you copies of this absolute verification of XXXX 's receipt of both parcels if you need them.Both copies upon return to XXXX on XX/XX/XXXX by " XXXX ''.
Consumer complaint received 2020-11-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

I have an auto loan with Wells Fargo Bank. 

Wells Fargo is limiting my amount of early payments to XXXX/day. 
I would like to pay off a higher amount to reduce my principle but Well Fargo doesn't allow per their policy when I spoke with a supervisor. 

I have used auto loans with other banks ( XXXX  XXXX XXXX and XXXX XXXX ) and I have never been limited on making early payments. 

I was wondering if this is legal for Well Fargo to be limiting early payment limits.
Consumer complaint received 2020-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

Navy Federal is reporting information incorrect, inaccurate, and confusing. 

1. Account numbers are different between credit bureaus. 

2. High Balances differ between credit 2 bureaus. 

3. Date of Last Activity is different between the 2 credit bureaus. 

4. Date reported is different between the 2 credit bureaus. 

5. Date Opened is different between 2 credit bureaus.

6. Balance Owed is different between 2 credit bureaus.

7. Last Payment is different between 2 credit bureaus.

8. Past Due Amount is different between 2 credit bureaus.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

on XX/XX/24 within 2 hours of the purchase of the gift card, I called US Bank at XXXX after I noticed that the XXXX XXXX card loaded with an amount of {$500.00} was not working and may have been hacked. I was told by the representative that my card had been deactivated and that I will get a new one in the mail within XXXX business days. 

Yet, several hours later my card ( that has always been in my sole possession ) had been used fraudulently. 

I called 5+ times their number to file a dispute, every time I get transferred to their dispute team I get disconnected after waiting VERY long time on the phone ( once after XXXX mins! ). 

So I need to file a dispute and get my money back!
Consumer complaint received 2022-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

My original direct student loan was consolidated almost 20 years ago, and I was under the impression it was federally-backed, however it technically became a commercial loan. Because of this, it automatically disqualifies me from receiving student loan relief, even though I received XXXX grants and my low income is within the qualifying limits. I was never given any notification about the XX/XX/2022 deadline to consolidate my FFEL loan to a direct loan, and therefore, could not take the necessary steps that the Biden administration required. It has been 20 years since I graduated college, and have barely been able to put a dent in my student loan balance. I am a mother of XXXX children, in a low-income household. How can I, as a taxpayer, be granted some kind of leniency, or something, anything to help with my student loan?
Consumer complaint received 2019-04-26
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I currently have a Capital One credit card reporting to my credit that doesn't belong to me. It's an authorized user account. I did not request to be added to this account. It has a 30 days late from several years ago which is causing a blemish on my credit. Outside of this 1 negative reporting, my credit is perfect.
Consumer complaint received 2022-12-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

I have done a verbal complaint on this inaccurate debt. And also have done a written dispute. The company did not fix the error and did not respond to me about the situation. I called them today and they told me they finished their investigation but they did not notify me of that
Consumer complaint received 2020-11-09
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. (CO)

In accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding TransUnion, XXXX, and XXXX continued willful and negligent compliance I am bringing this to the attention of the CFPB. 

I have written several requests that the unverified items, XXXX XXXX XXXX ( TransUnion ), XXXX XXXX  XXXX  ( TransUnion  and XXXX ), and XXXX XXXX XXXX ( XXXX, XXXX, and TransUnion ) still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is reporting accurate information. 

In the result received from XXXX, XXXX, and TransUnion in the first investigation and subsequent reinvestigation, they have stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? All 3 credit bureaus have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 7 ). Furthermore, all 3 credit bureaus have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA-you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attachment from XXXX  showing deletion of XXXX XXXX XXXX  XXXX, Account # XXXX and XXXX  XXXX  XXXX.
Consumer complaint received 2023-03-14
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. (MN)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These companies have violated my rights. 

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 items of information, other than records of convictions of crime which auntie Bates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.
Consumer complaint received 2020-11-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (FL)

I've been trying ever since XXXX the XXXX to get my mortgage documents. 
Homebridge Mortgage keeps telling me their sending it out and that I will receive it within 72 hours but I've never received any documents or papers since XXXX the XXXX. I've called 6 times within that time frame. Ive asked to speak with the CEO to get this resolved, they gave me someone in office and they stated the same info about sending within 72 hours. Still I have nothing! Please help me get this resolved asap, thank you for your service!