davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-05
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (MA)

XXXX XXXX XXXX collection date : open XXXX amounts : {$890.00} XXXX date opened : XXXX amount : {$840.00} XXXX XXXX XXXX date opened : XXXX/XXXX/XXXX amount : {$920.00} Certified letter sent to companies to provide viable information with my signature. Companies have declined. 
Certified letter sent to Credit bureau to investigate and they have not done so and left the negative items in my report.
Consumer complaint received 2023-07-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aspen National Financial, Inc. (VA)

Aspen National collection agency I called the company on XXXX XXXX about this debt of {$1900.00} and they told us the debt was not paid but I emailed on XXXX XXXX them proof that this debt with vacation village was resolved and that we no longer had this property. We had this dispute but they keep adding fees.
Consumer complaint received 2021-04-19
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: FIRST HORIZON BANK (FL)

I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.
Consumer complaint received 2016-08-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I had applied for a mortgage refinance with Fifth Third Bank. During the application process I had to withdraw my application because my personal plans had fallen through. On XXXX XXXX I was required to pay {$350.00} for a home appraisal which was never performed. When I asked about refunding the the appraisal fee I was told it was not possible and that the bank would keep it and consider it an application fee instead. They explained that because I had signed an intent to proceed with the loan they could keep the money. Is this correct? 

Fifth Third bank XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-06-10
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. (TX)

I mailed all three credit bureaus XX/XX/2021, to verify there reporting on my credit report and they failed to do so. They had 30 days to reply are delete the reports by law. They are in Violated of 15 usc 1681b.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My federal student loans through XXXX XXXX were being serviced through XXXX in XX/XX/XXXX through XX/XX/XXXX. I went from being an employed XXXX XXXX XXXX with children to unemployed/not enrolled in school due to an XXXX XXXX diagnosis in Spring of XXXX. I made my institution of higher education aware of my situation, as I was on a scholarship. I was immediately placed in deferment until I was able to return to class. I was never contacted by XXXX that they owned my loans or how to begin payments. I received a letter that they were going to garnish my income tax refund for tax year XXXX in XXXX. I filed an extension for my tax return until I was able to sort out the discrepancy. I contacted XXXX and informed them of my circumstances, as well as explained that I had not received any communication from them about my account at all. I was told I would be immediately placed on deferment by their representative and she requested proof of my income/welfare eligibility. I faxed in everything that was requested. I later discovered that XXXX placed me in a temporary forbearance instead of deferment and my loan amount ( {$4500.00} and {$2200.00} ) gained interest ( {$810.00} ) and was sold to a new creditor. The new creditor contacted me upon gaining ownership of my loans and consolidated my loans into one loan and I owe {$7500.00}. I have 28 late payments reporting on my credit reports in the 24 months they serviced my loans. While my 2 XXXX accounts show as being closed, my student loan is reporting on 3 different accounts- 2 negative accounts being XXXX. XXXX has unfairly and incorrectly reported my history to all 3 credit bureaus for years. Reporting any invalidated information to major credit bureaus may constitute defamation of character, as negative listing on credit report does not allow me to enjoy the benefits of good credit and jeopardizes my credit worthiness. I have the right to fair credit reporting and want them to report accurately.
Consumer complaint received 2023-03-18
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. (PA)

In accordance with fair credit reporting act, The account listed below has violated my federally protected consumer rights to privacy confidential under 15 USC 1681. 

XXXX XXXX Open/closed Closed Date opened XX/XX/2019 Account type Charge Card ( Can't seem to find the full account number for this ) 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 an account without my written instructions.

15 U.S.C 1681 c. ( 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 then records of convictions of crimes witch antedate the report by 7 years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe the information is inaccurate
Consumer complaint received 2018-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX Myself and my husband signed the face sheet of the acknowledgement and receipt of settlement statement. The interest rate was quoted as 5.125 with us paying {$6200.00} to pay it down 2.25 % in interest. File # XXXX, loan number XXXX. Instead, as you go through the paperwork it says our fixed rate is 6.625 %. The original payment, the first, was {$170000.00} with the interest going down through the years as well as the principal going up you should think that our principal would be more than the interest. It is not. Wells Fargo has consistently raised the monthly premium since the beginning. In addition to same be it noted that at this point we have already paid out nearly {$360000.00} yes in 14 years. in addition to same with the plans they have to charge us through XX/XX/XXXX it will be an additional {$440000.00} added together that is about {$800000.00} that is over a half million extra ( {$530000.00} ) when in essence the papers say first off that instead of 5.125 percent we are paying 6.9160 percent. It also states the finance charge is {$360000.00}. It the mortgage papers state total payments will be {$630000.00}. Wells Fargo is not only charging us 6.9 percent although we paid down the points and interest but they are also trying to charge us an extra {$200000.00}. Even though I asked for a copy of the mortgage they had on file the one that was sent merely had a signature on the first sheet. We are supposed to be at a fixed rate. There was no home equity line established, never surveyed, the attachment page B is merely a blank sheet, Neither my husband or myself signed a Waiver of Borrower 's Rights or closing attorney 's affidavit. All this in addition to the information I gave before must be looked at. Please note that every time I have contacted CFPB all Wells Fargo does is play a game of someone is looking into it. First one person calls, then another saying I am sorry she is out of the office they will get back to you. This goes on for months. For instance the situation from XX/XX/XXXX has not been corrected nor has the one from XX/XX/XXXX. Do I need an attorney or a class action suit. In other words there is a lot more and they listen to no one. Please publish this and I will wait a week before going to the XXXX and any other place that can help. I do not know if this is discrimination but it may be for age and/or color. I will send you documentation to show my home was listed as if I owed {$200000.00}. After all we have been paying since XX/XX/XXXX it is now XX/XX/XXXX where is our money.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MA)

Purchased {$200.00} worth Gift Card from XXXX physical store on XXXX XXXX. This is a VanillaGift Visa card. We activated this in their website as per the instructions found on vanillagift.com. Site showed {$200.00} balance. Right from the 1st use, the card got declined. Tried in other retail locations. Never worked. We called the XXXX number. They asked use to send our Drivers License picture and Gift Card picture and the Receipt for the purchase of the card. We promptly sent that on XXXX XXXX. Called today and they say they haven't received the email. We know that is not true. We didn't get any emails that typically comes if the email is not sent. They are now asking us to send the same info and call after 10 business days. We know that this is a delay tactic to hold onto our {$200.00} or to deny eventually. Because, what kind of consumer finance company will not receive an email sent to them exactly following their instructions. 

The case number is XXXX. Company is Vanillagift.com owned by Incomm
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (WI)

I am currently visiting family in Florida. Received a check for {$10000.00} which I had to deposit in my account using an ATM of another bank. My bank does not have any branches in Florida. Deposited check on Saturday XX/XX/XXXX. I was later told by customer care representative that I would have access to {$100.00} right away and {$5000.00} on Tuesday XX/XX/XXXX and the rest of the money at the end of the week. I could not access the {$100.00} and the {$5000.00} is not available to me either. I was told they are reviewing the deposit and the {$5000.00} may be available tomorrow XX/XX/XXXX. They are supposed to call and let me know. Have not heard from anyone as of XXXX PM. The check is from XXXX XXXX XXXX XXXX XXXX. I feel that my money is being held hostage by this bank.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WI)

I have many complaints about how I was mislead by XXXX and how naive I was when I attended college over a decade ago. Between Sallie Mae, XXXX, and Navient I somehow ended up with XXXX in debt for an XXXX XXXX in XXXX XXXX which I can't even use because no one will hire me with an online degree. I am currently in the process of the borrowers defense review however, Navient has refused to allow me to consolidate my loans and has reported over 20 loans which I am confused about why there was ever more than one lender. I haven't been able to do anything in life get a home or car, nothing. Its been XXXX, I've even recently had to start claiming exempt on my W2 just to bring home enough money to eat. I've never been able to catch up on medical bills or anything else and have always worked full time. I've XXXX  my XXXX  and had XXXX from simply working too much. Right now the Dept of education has deferred my loans until 2022 or something while they review and yet, Navient hasn't stopped negatively reporting to credit agencies and I can't get even a credit card. All of my debt is from going to college and having kids. I wasn't irresponsible and I didn't max out credit cards. I'm so tired of struggling. Please help, I've been waiting a year for my borrowers defense decision.
Consumer complaint received 2019-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

Loan service provider should be aware that court order dated XX/XX/XXXX has been uploaded for your review on this day of XX/XX/XXXX. Borrower will demonstrate to court that signature on consolidated loan application dated XX/XX/XXXX is invalid and can not be considered an electronic signature.
Consumer complaint received 2023-07-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX, I added XXXX dollars to my Venmo account. I've been trying to transfer the money back to my account since then and Venmo will not let me get my money back. I've tried to do an instant transfer, a standard transfer and sending it to there Venmo users so they can cash it out and cash app it to me and no matter what I do or who i send it Venmo will not allow the transfer. I've talked to customer support and they have said that there is nothing they can do so they stole XXXX dollars from and I want my money back.
Consumer complaint received 2019-06-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (CA)

XX/XX/XXXX I contacted Discover to remove me as a cosigner and was given false information and false hope by rep XXXX and supervisor / manager XXXX. They told me I can be released as a cosigner if payments are made consecutively 48 times. How ever when I asked for more information I was told that this process is more detailed than it sounds. XXXX went on to say that a cosigner can only be removed it the student has good credit by qualifying as if the loan was a credit card application. This loan was originally a XXXX XXXX loan and was bought by Discover who is using there policy to make it seem as if I agreed to there terms when I never did. I want to see the original loan paperwork from XXXX XXXX to see what the policy was back then. Discover is holding me hostige to this loan and I should be released as reqested. Discover is treating this loan like a credit card and using the same method with a student loan that wasn't there to start with. I never agreed to any of there terms nor did I sign anything. No one should be forced to stay on as a cosigner especially since most companies are allowing parents to be removed.
Consumer complaint received 2019-06-30
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. (CA)

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my  credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information XXXX XXXX XXXX  usa # XXXX was closed and paid 5 years ago. These accounts are also on Equifax which also hasn't removed these accounts. Equifax had an account that was 10 years old as well. From XXXX XXXX XXXX
Consumer complaint received 2021-11-11
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. (MO)

There was an account that was reinserted on my Consumer Report Illegally from XXXX, XXXX, and Equifax. The account was deleted and then on the same day it was re-inserted without my knowledge or consent and thats violation of my consumer rights.
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2019-06-30
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 (CA)

My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX. I want to dispute account number # XXXX its 8 years old.please remove this closed account its passed 7 years on my credit report. It is paid closed and pass 8 years on my credit score. Also another account is incorrect information capital one bank usa # XXXX was closed and paid 5 years ago. These accounts are also on XXXX which also hasn't removed these accounts. XXXX had an account that was 10 years old as well. From capital one bank
Consumer complaint received 2019-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: We Collect Inc (OR)

I received an alert from a credit monitoring company I pay notifying me That XXXX XXXX had placed a derogatory account on my XXXX credit report XX/XX/XXXX, which in turn reduced my credit score significantly. 
I never received any written communication from XXXX XXXX, and never received any phone call from XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and spoke with XXXX, who notified me this account was for " XXXX XXXX '' and was in my maiden name. My account with XXXX XXXX was closed in XXXX, I filed Chapter XXXX Bankruptcy in XXXX which was closed XX/XX/XXXX, and this debt was included with my bankruptcy case # XXXX. At some point in either XXXX or XXXX I was contacted by a XXXX XXXX regarding this debt and let them know at that time this debt was included in my bankruptcy and I was told that the collection company made an error and they would remove this account from their system. Here we are 8 years later and XXXX XXXX and XXXX XXXX are still trying to collect on a debt not owed. XXXX at XXXX XXXX said she would remove the reporting from my credit report and update my account with them, however the damage is already done to my credit score due to XXXX XXXX 's erroneous reporting. In addition their collection practices are inept, I was never notified about this debt prior to them reporting it to my credit, and never given the opportunity to dispute prior to XXXX reporting it to my credit.
Consumer complaint received 2023-07-19
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. (NY)

Since XXXX of XXXX, I've received monthly charges on my credit card for a subscription with XXXX XXXX ( the " merchant '' ) that I don't recall ever signing up for. I've tried contacting the merchant, but they are unable to assist me because there is no record of an account or subscription under my name ( the only information I have is " XXXX '' next to each charge on my credit card statement ). The merchant advised that the only recourse I have is to initiate a billing dispute with my credit card bank, which is Citibank. 

I initiated a dispute with Citibank ( XXXX XXXX ) and lost ( notice received on XX/XX/XXXX ), where they referenced a generic terms & conditions letter that XXXX provided XXXX that I have to notify them to cancel. I called XXXX again, and they again said that my only option is to work with Citibank to dispute and stop the charges. 

To summarize, Citibank and XXXX are charging me {$38.00} every month with neither party providing any means to cancel or dispute. Each party refers me to the other for resolution. This appears to be an unfair an illegitimate business practice that is causing direct financial harm to me.
Consumer complaint received 2023-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.
Consumer complaint received 2019-03-10
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. (TX)

ftc violation on inquires that are not mine sent over 45 days ago XXXX XXXX, XXXX XXXX, XXXX,