davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (TX)

My name is XXXX XXXX And I have a debit card with a company called Current debit card and money was send from me to another person that I never sent at all. The Current debit card holder is saying that they havent found any errors in the transaction but later told me that someone else was logged into my account on XXXX XX/XX/2022 and I never sent {$4200.00} to anyone that I dont know. I really need my money back and I feel like Current debit card is responsible for what happened to my money because this is supposed to be a debit card that protect us from fraudulent transaction please give me a call at XXXX because I need help with getting my money back that owe to me please. I will also send pictures from my email where another device was logged into my account as well. I have an XXXX XXXX and have the app on my phone to where I can see all my transaction so there is no way another device should have been logged into my account I will send photos where the other device was logged into my account
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have several hard inquiries that are more than ten years old, along with a sprint collection in the amount of {$320.00}. These companies fraudulently solicited in a manner that I was approved for credit, but declined approval. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent items, along with my statement ).
Consumer complaint received 2017-04-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WY)

I have been making extra principle payments to ditech to pay off my mortgage early. When I asked for the paperwork telling me the loan was paid in full, they told me I owed an additional {$2700.00} in a deferred interest payment from 2005. I asked why it was not on any paperwork, statements, credit reports, etc, and was told they did n't know but I still owed it. I asked who authorized this and requested any and all documentation considered in this incident including signatures and was told I would receive such in seven to ten working days. 
I have since contacted them on more then one occasion, requesting the same thing and getting the same canned answer, but no results, no paperwork, nothing but a practiced stalling technique. First off, I think this should have been disclosed on my monthly statement, if it was legitimate. Second, the amount is nonsensical and excessive if legitimate. Third, I think they may just be trying to recoup the lost interest if the loan was paid to reach maturity. I DON '' T KNOW. They have kept this charge secret and continue to do so, while my house is now paid off. Is this a standard practice for all mortgage lenders or is there some illegitimacy here.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I rented a car over the internet. I agreed to pay {$130.00} to rent the car over a four ( 4 ) day period. I never saw the contract. I picked up the car in XXXX, Ga, and used it for the four days. I paid for the rental with an American Express credit card, issued by the XXXX XXXX XXXX XXXX XXXX. Open returning the car, I signed a receipt acknowledging the return of the car. After signing the receipt, I was informed, for the first time, that the card had to be returned by XXXX. Because it was after lunch and I had already signed the receipt, I took no immediate action. I feel that I was " baited and switched '' into paying additional fee that I was not informed of prior to signing an acknowledgement. I contacted the card issuer ( XXXX, XXXX ) and disputed the {$30.00} additional charge. On XXXX/XXXX/15 I was informed by the credit card issuer that because I had unwittingly signed an acknowledgement that they would " not have the authority to continue to persue the credit from the merchant on your behalf. '' Because of the small amount and fraudulent bill, XXXX, XXXX, has just " rolled over '' for the merchant. And I 'm out {$30.00} on a " bait and switch '' scheme.
Consumer complaint received 2022-04-14
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. (PA)

I have owned my home since 2014 and the mortgage has been paid in full. XXXX, XXXX and Equifax is still reporting on my credit report a balance from of XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXX. XXXX, XXXX and Equifax is reporting a balance of XXXX from XXXXXXXX XXXX
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have owned my home since 2014 and the mortgage has been paid in full. XXXX, Transunion and XXXX is still reporting on my credit report a balance from of XXXX. XXXX, Transunion and XXXX is reporting a balance of XXXX from XXXX. XXXX, Transunion and XXXX is reporting a balance of XXXX from XXXXXXXX XXXX
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

Last XX/XX/2024 i sent money to the XXXX in Sigue Corporation through there agent in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The amount i sent was {$1100.00} plus transfer fees of {$15.00} and also my wife on the same day sent {$280.00} plus transfer fees of {$8.00} but unfortunately the money did not reached to its destination because according to the agent in XXXX XXXX XXXX the Sigue Corporation was closed and i will be refunded after 15 days but until today XX/XX/2024 i did not recieved any refund. Thank you.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (NC)

I sent a request to XXXX XXXX XXXX on XX/XX/2022. To provide me with documentation that I entered agreement with XXXX XXXX XXXX or XXXX XXXX XXXX for the amount of {$1100.00}. They have not provided me with the verification of the original signed consumer contract within the 30 day time period. Therefore, since they can not provide verifiable proof of any contract in the amount {$1100.00}. I ask them to immediately delete and remove all collections from all 3 credit reports related to XXXX XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2022-04-14
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. (CO)

I sent a letter to Equifax on XXXX regarding accounts reporting on my report that the collection agency could not verify. Equifax responded with " verified '' so I sent another request on XXXX to describe method of verification. 
The account got removed in XXXX, was then REINSERTED as un UNVERIFIABLE collection in XXXX. 
Per the FCRA, a credit reporting agency must provide you with a notice of reinsertion within five business days from the date of reinsertion and must be reporting ACCURATE.

1 ) they did not notify me at all that this was being reinserted 2 ) This account has no creditor, no collection agency, and is incomplete and inaccurate. 
Ive enclosed the letters that I sent, as well as a copy of the Credit report showing the original account I disputed, a copy of the credit report showing it was reinserted as unverifiable.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (AL)

On XX/XX/XXXX my card was hacked for a total of {$4600.00} i immediately contacted support and was told a case was opened and i would receive provisional credits on XXXX. And that the investigation would take around 30 days. On XXXX i was told my case was denied less than 24 hours before i was set to receive my money back. I called and was told they opened up an appeal and i would hear back in the next 10-15 days. Fast forward to the next day XXXX and i am completely logged out of my account with the message account deactivated with funds still left in the account with no way of accessing them. I have called multiple times since with no real answer and told to wait for an email from a specialty team. I am now completely without any of my money and unable to transfer the funds i did have in the account out to another account.
Consumer complaint received 2022-04-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (CA)

RPM has never proven to me with any kind of statements that I owe anything. I returned the car XX/XX/XXXX. I have requested via registered mail for them to validate this claim that I owe anything with proof, which they have never done. They did not provide me with their license to collect a debt in California either! ( XXXX  XXXX ) I have my bank statements to prove my payment history. It also proves that they are trying to charge the wrong amount too. I never received anything from XXXX XXXX about any amount owed after I returned the car and that was well before they sold all our info to this disreputable collection agency ( sometime in XXXX, I believe ). I would really like some help in the matter because this is unjustly affecting my credit score. It's not a large amount but I do not owe it. It is the principle not to harass and try to take advantage of people by threatening innocent people 's credit scores with phantom debt. I do not know why they are trying to charge me some ambiguous amount that makes no sense at all and is completely ignorant of the facts. RPM has never told me in which weeks I was allegedly delinquent for -or why the amount differs from my weekly rent payment. They do not know anything as to the terms of my lease either because they simply do not have the information and I believe are falsifying information to collect phantom debt. 

I have attached my payment statements which were auto-drafted from my account until the point at which I canceled my lease with XXXXXXXX XXXX  and they collected the {$250.00} deposit and collected the car. 


I have tried numerous times to correct this false debt being put upon me and it has been exhausting. This company is very unscrupulous by robocalling and never answering the phone when you try to call them. 
I do not owe anything and it is a phantom debt brought about by bad bookkeeping from XXXX XXXX to XXXX XXXX This will turn into a class action lawsuit, that I am sure of.
Consumer complaint received 2022-04-14
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: Experian Information Solutions Inc. (GA)

I have consistently been fighting to have this account permanently removed since 2018. I am very stressed because Ive been fighting for YEARS. I am a victim of Identity Theft. Someone broke into my car and charged thousands on my at the time XXXX credit card. I sent in multiple police reports, ftc reports, written letters, statements and all and the credit bureaus always says its valid. I even had a letter showing the account was deemed fraud yet they have held me responsible for over 4 years. I am tired. Now, they havent even reported anything in 2 years but still on my report as negative.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I had applied to the SAVE program with Nelnet and was approved on XX/XX/XXXXXXXX  with a monthly payment of {$0.00} ( see attached ). I was then placed on an administrative forbearance where interest was accruing on my account daily. The notice originally said that the SAVE plan would begin XX/XX/XXXX, and that would begin my monthly {$0.00} payments where all accrued interest for the month would be removed. I was still in administrative forbearance through XXXX and then XXXX, with interest continuing to accrue. I submitted a prior complaint to CFPB and Nelnet responded and also gave me a notice on XX/XX/XXXXXXXX  saying that my SAVE plan would now begin XX/XX/XXXX ( see attached ). Meanwhile, interest is still accruing. It is now XX/XX/XXXXXXXX  and my account still says that I am in administrative forbearance and interest is still accruing now. I am not sure what to do at this point, as it has been more than 4 months since I have been approved, and yet I am in administrative forbearance still accruing interest even after my {$0.00} payments were scheduled to begin.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NC)

Events : On Friday, XX/XX/XXXX at XXXX I received a phone call the person identified themselves being with XXXX to verify I had purchased {$8900.00} in XXXX  Products. I told them I had not and it was fraud to stop the transaction. They asked if would like to be transferred to the Federal Trade Commission ( FTC ) to report fraud and I said yes that I would like to report fraud. I then spoke with a man named XXXX XXXX. ( XXXX ) He pulled up my name in his data base and said I was under investigation for suspicion of money laundering and drug trafficking. That under my name I owned 12 different homes, had 13 credit cards, 22 different bank accounts, and five XXXX accounts which I do not. He told me my name was associated with transferring XXXX XXXX in/out of the country. He told me they wanted me to cooperate with the authorities to apprehend the suspect to clear my name otherwise there would be warrant for my arrest, a lien on our home, and my assets frozen. I was told not to tell my husband or anyone as they could be a suspect. He then had me check on my laptop on the U.S. Treasury webpage to view the XXXX XXXX XXXX XXXX to protect my money so they could not freeze my assets. He asked if I would cooperate with the investigation to apprehend the suspect and I said I would to also to protect my assets.. Once my name was cleared and there was no warrant for my arrest I would then put the debit cards back into my American Express account.. He told me that I was to go to the XXXX XXXX XXXX XXXX and XXXX XXXX to obtain XXXX Gift cards in various denominations which you will see the transactions on my credit card. The amount on my American Express account is approximately {$4000.00}. Took pictures of the bar codes of the gift cards. He sent me a text picture of my arrest warrant from him at the CIA and he had me on speaker phone on my cell phone in my purse while I was in each store and in my car listening to all my conversations. If I did not follow his instructions the warrant for my arrest would be activated. I was certainly under duress. 
I have spoken with American Express and they have not been helpful. I have had my AMEX card sinceXX/XX/XXXX and their treatment of a loyal customer is unbelievable. I have worked for XXXX XXXX in Sales/Marketing for 30 years and I would never treat a customer in the manner that American Express has treated me in a situation that I was under duress. Thank you for any assistance you may provide and please contact me with any questions.
Consumer complaint received 2022-04-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  Account # XXXX and XXXX XXXX  XXXX XXXX XXXX # XXXX have two different account names also two different account balance. One status say close and the other say collection/chargeoff. 
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 renortinoadency can not furnish a account without mv written instructions In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, has violated my rights.
Consumer complaint received 2024-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WA)

My Contact Info : XXXX ; XXXX My Loan Number : XXXX XX/XX/XXXX I made two separate additional principle payments to XXXX XXXX XXXX, which brought the loan to value ratio of my mortgage to below 79 %. I requested the PMI to be removed, but later was denied with no reason provided to me. 

XX/XX/XXXX XXXX removed PMI from my monthly payment moving forward and sent a confirmation letter ( attached ) to me. From then on, PMI had not been part of the Escrow charges on my loan statements. 

XX/XX/XXXX XXXX XXXX XXXX was purchased by NewRez. The XXXX and XXXX statement I received from NewRez had no issues. 

XX/XX/XXXX I received the escrow analysis claiming that I owe the Escrow {$1200.00}, which was a result of the previous 6 months of PMI not being part of my monthly statement. Furthermore, NewRez added PMI back to my monthly payment. I contacted NewRez for 6-7 times after I received this analysis, explain to them that PMI was removed from my monthly statement by XXXX XXXX XXXX and the escrow analysis was incorrect and therefore my monthly payment for XXXX should not be raised. 

XX/XX/XXXX I faxed a written request to have PMI removed from my loan ( again ), this time to NewRez. Since then I have not received any communication from NewRez. 

XX/XX/XXXX I made another additional principle payment to my loan, which brought the loan to value ratio to 77.4 %. And submitted another three written requests to NewRez through their online contact form, requesting the PMI be taken off my loan and official documents explanation on the mixup of the " shortage '' on the PMI, which was likely caused by the error handling between XXXX XXXX XXXX and NewRez. I have not received communication from NewRez.
Consumer complaint received 2022-04-14
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. (SC)

I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. XXXX XXXX XXXX account resulted from identity theft and was already deleted to XXXX and XXXX but not Experian. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from Experian and XXXX XXXX
Consumer complaint received 2022-04-14
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: Credit Karma (LA)

I received an email from Credit Karma notifying me that a hard inquiry was made on my credit reporting agency named XXXX XXXXMy account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if Credit Karma is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up