davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/2018 I have applied for a capital one quick silver card and got denied due to Derogatory marks in the past which were due to Financial Hardship in the past which were over 12 months ago. And presently I have has a job and have been paying off my balances slowly and been making a 100 % on time payments. I have been in good standing and would like to have capital one reconsider my application and I would be the perfect client for the company and wont let them down at all.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (CA)

I opened a high yield savings account at Marcus with Goldman Sachs in early XX/XX/XXXX and in a few days asked them to transfer back a portion to my original account. They have locked my acct since. I call everyfay and either get the runaround or they cut me out. They asked me to get an affidavit of identity notarized which I did n they confirmed receipt XX/XX/XXXX. I have called XXXX n they say it takes XXXX business days to review but each time i call they say its under review n call back. I have since read numerous online on social media including XXXX complaints from other customers with very similar experiences. I reached out to my Attorney today but I also wish you to fastrack an investigation into the way this bank is doing business and abusing the banking system. This company with a bad history of wrong doings are at it again and needs to be stopped.
Consumer complaint received 2019-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (WA)

The current investor trustee XXXX XXXX XXXX XXXX XXXX holds a note that was fradulently fabricated and is not the orginal which I have in my possession and which contains no endorsments cause it was never endorsed. Also attached is the promissory note with no endorsment faxed by prior servicer months before the one with an endorsment and lacking any date or nortirization lacks the proof as the orginal and that it wasn't actually endorsed in XX/XX/2016 well after XXXX no longer exsisted. The current servicer after being informed still has done nothing to reslove this matter. They don't have in there possession the orginal promissory note either or even the right to service the loan. XXXX never assigned or I never recieve notice that they transfered servicing and if they did who it actually was. Attached also is a service transfer estimates that actually states rXXXX XXXX XXXX XXXX as the trustee for this loan and not XXXX They are harassing me with a debt they have no right to collect on as they where never properly sold or transferred servicing rights and are not the note holder and not entilted to recieve payments. They have no license to do business in Hawaii and don't hold a local point of contact required by state law. They continue to send me statements and raising The attached disclosure about XXXX states they are not the lender and only a mortgagee in a noominee capacity and then being so doesn't effect my obligation to lender under promissory note. XXXX even though they made an assignment of mortgage never possessed or was given the promissory note threw endorsment and therefore can't assign a mortgage they don't have possession of the note it states they are assigning. Further they where to act on soley as nominee for lender which didn't exsist at the time of the assignment and XXXX XXXX wasn't the note holder at that time either and never provided proper notification that they where ever sold or transferred rights to service the loan. Also the assignment of mortgage is on a two page document with no page numbers and one page contains the assignment and the other the notirization. The two pages have no signs that they even where fabricated at the same time and could have easily been done seperatly and with no knowledge to the parties on the document. The second page also contains hand written in attached assignment of mortgage borrower XXXX XXXX XXXX and has no intials by notary that are required per state law when something is changed on a notirized document.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

DATE : XXXX XXXX, XXXX AMOUNT : XXXX On XX/XX/XXXX I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like im being taken advantage of and being ignored bu my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these items this account be deleted Immediately as I have put in motion a litigation due to the stress you caused me. My Information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MN)

I have purchased a XXXX XXXX with XXXX XXXX on XX/XX/XXXX. 
Because the interest rate is high I transferred the loan from XXXX XXXX to XXXX. 
XXXX paid off XXXX XXXX on XX/XX/XXXX the sum of {$30000.00}. XXXX   XXXX did sent out letter stating that the account is paid off on XX/XX/XXXX. 

The terms of agreement with XXXX is that I need to transfer my Finance Company on title document for which I need Lien Release form from XXXX  XXXX. 

I tried reaching out XXXX  XXXX in the month of XXXX, XXXX, XX/XX/XXXX. and also on XX/XX/XXXX. 

They have the terrible IVRS which asks to enter account information but didnt recognises the customer so with so many attempts I reached a human Service Representative - every time it will take an hour minimum wait to speak with them. 

All the 4 times the representatives assured me that I will receive my lien Document in 4 to 7 Business Days and they said they marked the delivery request as expedited ( which is a big joke ). 

Its been almost 6 months and I didnot transferred my lien holder on title because of which XXXX marked my account as default and resulted in increase in interest rate even though its not my fault.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XX/XX/2023, I closed my secured credit card with CapitalOne. I was informed by the representative who was closing my account that the {$200.00} secured deposit would be applied to my account within a couple of days of the account being closed. Now they are refusing to apply the {$200.00} secured deposit which would pay off the account balance.
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MN)

I need to File a formal complaint on behalf of Experian On XX/XX/XXXX I sent in a letter asking them to please send me the Original signed consumer contract for any and all accounts that they post on my credit report But they refused to send me any of the Information that I asked them to Provide. Per The Section 609 ( a ) ( 1 ) ( a ) Experian is REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT IN MY CASE THEY DID NOT PROVIDE ANY OF ORIGINAL DOCUMENTATION REQ UNDER THE SECTION 611 ( A ) ( 1 ) ( A ) OF THE FCRA A CONSUMER CONTRACTWITH MY SIGNATURE ON IT AND ALSO SECTION 611 ( 5 ) ( A ) OF THE FCRA YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THE LAW IS VERY CLEAR ON THIS LAW.

i HAVE REACHED OUT TO THE MN ATTORNEY GENERALS OFFICE FOR ADVISED ON THIS I ALSO ASKED THAT E XPERIAN PLEASE UPLOAD THE CONTRACTS WITH MY SIGNTURED ATTACHED ON THIS CFPB SITE WHEN YOU RESPOND TO THIS COMPLAINT. IF YOU ARE UNABLE TO DO SO PLEASE REMOVE THE ACCOUNT LISTED BELOW ASAP I ALSO ASKED EXPERIAN TO NOT REPLY BACK WITH I NEED TO CONTRACT THE CREDITORS THE FCRA 609 / 611 AND SECTION 617 REPLIES TO THE REPORTING AGENCIES WHAT WOULD BE.

AS YOU TRIED TO DO THAT WITH A XXXX XXXX   ACCOUNT I WILL NEED FOR THIS ONE TO BE REMOVED ASAP SEE FILE FOR COMPANIES FEED BACK!

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX | DOB XX/XX/XXXX Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
ALL CREDIT INQUIRES 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
Consumer complaint received 2019-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Avant Credit Corporation (NJ)

Company has incompetent overseas people taking phone calls who are not trained. Called on XX/XX/19 to close account. Specifically, advised them to cancel the future annual fee of {$29.00} charged yearly effective starting XX/XX/19. Tried to explain this is a future dated annual fee and that I am closing account PRIOR to this date. They still think the annual fee should be prorated? What?!!! Why?!
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (OH)

I have tried to login to my Experian account. I am unable. The website help does not respond. It claims that I have no account. I tried calling but there is no human available. All they have is an automated system that doesn't address my issue.
Consumer complaint received 2023-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to request these unauthorized inquiries to all three credit bureaus certified mail. They were never removed, I need you to please help me remove these unauthorized credit error inquiries 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
Consumer complaint received 2019-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

I rent an apartment in XXXX ( XX/XX/XXXX ) property in XXXX XXXX New Jersey, for security deposit I bought a {$1000.00} ( XXXX XXXX dollar ) bond to cover any damage or repairs to the property. After I left and return my keys, I received a bill of {$230.00} for steam clean the carpet and some garbage I left in the garbage bin. In an email form the property manager stating that the money will be taking from the bond and I will not get any money back from the ( {$1000.00} bond ) Recently I been getting letters and threatening phone calls from ( National Credit Systems Inc. XXXX XXXX XXXX XXXX GA XXXX ) from a person called XXXX XXXX Tel : XXXX last one dated XX/XX/XXXX claiming that she will report me to all three credit bureau and will ruin my credit I have sent several letters to Miss XXXX with attachment emails from the property manager informing me that the {$230.00} will be taken from the {$1000.00} bond All my letters and correspondents fell on deaf ears, I even sent a letter to Georgia Attorney General to complain about this collection Agency tactics and they told me to contact the FTC
Consumer complaint received 2021-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I had a HELOC with Wells Fargo. 
It had ARM & it was converted into Fixed Rate Mortgage some time later. The Fixed Rate assigned by Wells Fargo was 6 % which was incredibly high. 
XXXX  XXXX XXXX converted HELOC to fixed rate of 3.24 % around the same time. 
When I contacted I was assured that they would contact me with the solution. But no call came and I did contact Board of Directors of Wells Fargo with the same results. 
Around {$100000.00} is outstanding today.
Consumer complaint received 2021-01-30
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: Experian Information Solutions Inc. (VA)

A deleted XXXX XXXX account was rereported to my experian credit report without notification within 5 business days. Report number XXXX deleted XX/XX/2019 and re added XX/XX/2019 i was not notified of the update until XX/XX/2019.
Consumer complaint received 2019-01-27
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: Credit Protection Association, L.P. (CA)

I have a delinquent account that has now shown up on both by XXXX  report and XXXX  Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX and XXXX  and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
Consumer complaint received 2019-01-27
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: SYNCHRONY FINANCIAL (DC)

XXXX XXXX, PA XXXX, Syncb XXXX, FL, XXXX XXXX XXXX, are all the creditors that are reported on my credit report that caused my score to decrease unlawfully. My XXXX  score was XXXX dropping 93 points and my XXXX  score was XXXX dropping 139 points I'm not a credit expert but, I've been working on fixing my score for the last almost 2 years and now due to two inquiries and a {$70.00} increase that means my score decreases that extremely? Or is it because I'm a XXXX XXXX  man that's trying to better my credit score and my life so all odds are against me? Please restore my credit score That I work so hard to fix that they 3 bureaus took from me.
Consumer complaint received 2019-01-27
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. (CA)

I have a delinquent account that has now shown up on both by XXXX  report and Experian Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both XXXX  and Experian and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
Consumer complaint received 2019-01-27
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. (CA)

I have a delinquent account that has now shown up on both by Transunion report and XXXX  Report. I have no record of any account that I personally opened with XXXX XXXX that would be delinquent.

The amount that is now showing up as a negative Pay Status is for {$2400.00}.

I've filed disputes twice with both Transunion and XXXX  and they have left the derogatory comment on my reports stating the information has been investigated and is correct. I've never been contacted or again have EVER had an account with XXXX XXXX in the past 7 years.
Consumer complaint received 2019-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (ME)

My daughter went to this school XXXX XXXX XXXX in XXXX Me, for medical assistant. Her name is XXXX XXXX she attened in XX/XX/XXXX for 2 weeks and was kicked out .We thought nothing of this since none of us cosigned any loans or such .We got a call saying we were neglegent on a studant loan and that there would be major trouble if we didnt start paying this .This was XX/XX/XXXX we have made every payment on time even though we think this was a fraud.My wife and myself have had major medical problems since then i have had total XXXX XXXX and my wife has severe XXXX, and this has made our income decrease .We feel that this fly by night school, scams people with student loans that they never should put in someones name without telling them .They should have the person present for a signature for sure .If there is any way to help me with this false debt it would be greatly appreciated My name is XXXX XXXX you can email me at XXXX XXXX
Consumer complaint received 2019-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WI)

Listed on the Experian Credit report are two addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Address ID # XXXX Single family
Consumer complaint received 2019-01-27
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION (AZ)

I received a letter from them for the first time on XX/XX/2019 stating that I owe them {$110.00} contract fee, {$340.00} previously accrued late fees and {$10.00} to prepare this notice. I have not paid late and they cashed the check and it cleared my account. I have no control over the Postal Service. I mailed the check 5 days before the due date and they cashed the check and then send me a notice. They have no way online to pay the payment or on the phone. Seems that they are purposely and intentionally doing this to embezzle money from the customers. I have contacted them several times and I never get through to speaking to anyone. These people are crooks, liars and unprofessional and their license should be suspended. They have not done this to just me, there are a lot of unfavorable reports for this servicer. They never tried to email or call for any questions. They purposely sent the letter to charge us.
Consumer complaint received 2022-04-29
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: NAVY FEDERAL CREDIT UNION (TN)

In accordance with the fair credit reporting act Navy Federal Credit XXXX has violated my rights 15 USC 1681 Section 602 states that I have the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose
Consumer complaint received 2019-01-27
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)

I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : EXPERIAN : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with Experian, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.