davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This company is reporting an unverified account on my credit report. Please be further advised, I dispute the validity of the alleged debt in its entirety.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (AL)

Company is reporting a 30 day late payment on my account. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation 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 your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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 ) ( 1 ) ( A ).
Furthermore you 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. I wrote TransUnion they never remove anything while other two credit bureau which is XXXX  and XXXX  In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 



I demand the following accounts be verified or deleted immediately. 
Account XXXX/XXXX  - XXXX {$230.00} USDEPT OF ED/XXXX/XXXX  XXXX {$3000.00} US DEPT OF ED/XXXX XXXX XXXX/XXXX   XXXX {$54.00}
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

This is the second complaint regarding my bonus not received. I sat down with the flier that was mailed to me with the XXXX branch manager XXXX XXXX. He says a promotional code was not provided to him. It was. He's suffering from a memory lapse, " misrepresenting the truth '', or covering his tracks. It's become a he said she said moment at this time. You can be proud of your manger as he saved the bank 300 bucks.
Consumer complaint received 2020-08-02
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. (AL)

This company is reporting an account on my credit report that is not mines i am a victim of identity theft.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2018-12-27
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (OH)

My wife and I leased a vehicle from XXXX XXXX XXXX. We made every payment on time and purchased the vehicle prior to the lease expiring ( XX/XX/2108 ). My Credit Union ( CU ) sent Hyundai the funds and the title was transferred. Hyundai was slow to issue a check to the County Clerk for the taxes. My CU had to redo my loan papers to account for and to pay the taxes that were necessary to transfer the vehicle. My wife and I received a check from Hyundai made to the XXXX County Clerk. I voided the Hyundai check and asked that it be re-issued to my wife and I. After several weeks went by I called Hyundai in XX/XX/2018 to ask when we would receive the check. I was told that they would send a check in 3 to 4 weeks with no request for additional information. After receiving nothing in the mail I followed up with a call on XX/XX/2018. I was told that a check was not sent and that I needed to provide Hyundai with proof that the taxes were paid and then it would be another 3 to 4 weeks prior to us receiving a check. I explained that we are now paying interest on the tax money with my CU loan and that Hyundai is receiving the benefit of holding my money for months in the interim. The onus should not be on us to take time from work to prove to them that the vehicle is transferred and that the taxes are paid. Hyundai is already paid in full. Hyundai also refused to check to see if they were still listed with the BMV as owners or to confirm with my CU if a transfer took place. Hyundai could easily have checked my state 's website or checked Hyundai 's own licensing or tax department to verify the transfer. When I asked Hyundai what would happen if I would not have submitted my payments on time for their vehicle they stated they would have taken it or filed suit against me to recoup the funds. When I asked why it was ok for them to hold our money after we fulfilled all of our obligations for the transaction without any repercussions to them, Hyundai stated " that's the way it is ''. I asked Hyundai to specifically tell me what proof they wanted me to send and they could not tell me exactly what it was they wanted. They simply said that they just needed proof. The burden is now on me to provide some " proof '' and submit it in the hopes that it is acceptable. If so, in another 3 to 4 weeks we may get our money returned. Meanwhile, we had to pay licensing and insurance for our lease buyout vehicle but can not get our own money back to offset our expenses. This is nothing more than a giant company bullying and taking advantage of a small consumer while not caring about the impact to the individuals.
Consumer complaint received 2021-07-20
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. (MS)

Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-07-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (OH)

On XX/XX/2021 I reached out to KEYBANK in regards of applying for a mortgage. 

At my request, I gave notice to the mortgage loan officer that I was asserting and reserving all rights under the ECOA ( Equal Credit Opportunity Act ). Pursuant to : " Use of Credit History Information -- 12 CFR 1002.6 ( b ) ( 6 ) '' This request was made verbally by phone, also through via email and USPS Certified Mail. ( Please see all attachments for confirmation ) Through correspondence with the mortgage loan officer via email, she stated that my ECOA ( Equal Credit Opportunity Act XXXX request is to be rescinded before assisting me with applying for this transaction. 

I declined the mortgage loan officer request, and made it clear that I will not rescind my ECOA ( Equal Credit Opportunity Act ) request prior to completing an application. 

I have not heard back from the mortgage loan officer, nor have I been granted the opportunity to apply for this transaction.
Consumer complaint received 2018-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (UT)

For the last month or so I get repeated calls from various numbers looking for someone else. I have told them repeatedly I am not the person for whom they're looking, recently resorting to not very polite language. How can I get them to cease and desist. The company is American Express.
Consumer complaint received 2021-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

Property Address : Complaint Against : Cardinal Financial I would like to file a formal complaint against Cardinal Financial to have my escrow removed. On two separate occasions, my escrow account has been mishandled. In XXXX of XXXX, I made serval attempts ( in writing ) to request that my taxes be paid to the appropriate agencies. I was told that my taxes were paid and that the balance reflected was correct. An improper escrow analysis was completed in XXXX of XXXX and an overage was sent to me in the amount of over {$4500.00}. I questioned this statement various times and was told that the taxes for XXXX were collected during my refinance closing to set up my escrow in XXXX of XXXX and that a proper escrow had been set up and that this amount was indeed an overage due to me. 

I recently checked my escrow account to find that a large escrow amount in XXXX of XXXX in the amount of {$4500.00} was removed from my account leaving me a significant shortage for the upcoming XXXX tax bill. I was told that this was an error made on the part of the servicer and that the funds had never been removed from my escrow account for the XXXX tax year. I am now at 20 % LTV in the home loan and am requesting the immediate removal of my PMI and immediate removal of my escrow account. As a consumer, any escrow servicer that is handling an escrow account should provide accurate information in an escrow analysis to a borrower. Failure to do so can create a significant hardship for the borrower. I am seeking assistance as Cardinal Financial has sold my loan to a servicer who is acting in negligence in handling my escrow account. 

Thank you for your prompt attention. 

XXXX XXXX
Consumer complaint received 2020-11-06
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. (OH)

I have been in the hospital for the past few months and just came home yesterday with COVID and on life support. My husband tried calling XXXX XXXX to see what COVID protections there were. Since he was not on the account no one would talk to him. Now I have 60 days late on my credit report and who knows how much un fees!!! XXXX needs to fix this!! They need to remove the late reporting and waive the fees! Send me a bill of what I truly owe so I can find a way to pay!!!
Consumer complaint received 2019-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Solomon and Solomon, P.C. (NY)

On XX/XX/2019 at XXXX I was physically served a Summons at my home address by a process server. The Summons was dated XX/XX/2019. The Summons states that since I was physically served that I have ten ( 10 ) days to answer the summons by filing and answer with the Plaintiff 's attorney and if there is no attorney for the Plaintiff present I am to file an answer at the Plaintiff 's address of XXXX XXXX XXXX, XXXX, NY XXXX. 
I have uploaded a copy of the Summons.

The Summons was for a Tuition debt that is owed to XXXX XXXX XXXX College. The debt amount is {$1300.00}. I have previously attempted to pay the debt in installments on the XXXX XXXX XXXX College website starting on XX/XX/2019. The XXXX XXXX XXXX College website would not allow me to make partial payments on the debt. The XXXX XXXX XXXX College website would ONLY allow me to pay the full amount of the debt, {$1300.00} and I have uploaded proof of this fact.
Consumer complaint received 2021-03-06
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: GreenSky, LLC (NY)

On XX/XX/XXXX, I was a victim of identity thief. There were multiple accounts open under my name & I reported this to the the company Home Depot & credit bureaus including XXXX. They have yet to remove a fraudulent hard inquiry on my credit report known as the/XXXX inquiry from XX/XX/2020.
Consumer complaint received 2019-09-16
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. (TX)

I have tried to get TransUnion XXXX and XXXX  to take fraudulent addresses off my credit report. I just received a copy of my XXXX credit report in the mail and it still shows 4 fraudulent addresses and my sons address. I have never lived in XXXX Tx., XXXX Tx , XXXX Tx . Or XXXX XXXX Tx. My sons address is XXXX XXXX XXXX, XXXX Tx. And I never lived there. These false addresses have been used by XXXX XXXX XXXX XXXX and I never received a bill from them and they never billed my XXXX insurance in 2016. The insurance company only pays out 1 year from date of service so they werent paid. I had no knowledge of this until I saw it on report. I also have 2 credit cards that have been paid off almost a month ago and they have not shown this on my report yet. Please help me get this fixed. Thank you
Consumer complaint received 2019-09-16
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (MI)

I qualified for a student loan discharge from Nelnet in XX/XX/XXXX. Nelnet " Discharged '' my loans in full ( $ XXXX ) in XX/XX/XXXX. I have the IRS 1099c form showing " Discharged '' in full. I never again heard from Nelnet until a few months ago when I applied for housing. They said that Nelnet shows past due a few months. Nelnet was called and they said chose to " reverse '' my " discharge '' from XX/XX/XXXX in XX/XX/XXXX. 

Nelnet wrote the loan off in full in XX/XX/XXXX, and now 8 years later they want to double dip. This is not only fraudulent, but its criminal and predatory. 

I contacted Michigan Attorney XXXX XXXX, ( XXXX ) and he will take my case and file a lawsuit but he requested I submit a complaint first.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I made a payment towards my XX/XX/2019 NewRez mortgage on XX/XX/2019 for the amount of {$2300.00} through the NewRez app. NewRez withdrew the amount of {$4700.00} on XX/XX/2019. I immediately called NewRez to fix the problem. Their agent stated that they withdrew funds for XXXX and automatically withdrew funds for the XX/XX/2019 payment. I advised the agent that I never authorized automatic withdrawal. Also emailed the agent a phone screenshot done after my payment showing payment of {$2300.00}. The agent mentioned that an automatic withdrawal took place since it was close to the following due date. 
I advised the agent that my bank account was now overdrawn. The agent responded stating that theres nothing they can do about it. That going forward, I need to make a selection through the dropdown option and uncheck autopay. The agent also mentioned they will not issue a refund. That I will need to dispute it with my bank. 
I requested to speak to a manager. Agent said she was the  team lead. I requested to speak to someone else as the agent was being unhelpful. Agent transferred me to an operator who had no knowledge on how to access my account. I was then transferred to an operator to which the call then terminated.
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2022 someone has open a checking account online with Wellsfargo under my name. They transfer out {$25.00} from my account to the account that they open. It was such a low amount and I was out of town visiting my family so I didn't notice. 
XX/XX/2022 there was a tele-transfer from my account to the fraud account {$5000.00}. I call Wellsfargo same day to clarify that I did not make the transfer nor have open the account. Wellsfargo said they will freezed the fraud account. 
I received a mail from Wellsfargo dated XX/XX/2022 that all activities on fraud account is froozen Received a letter from Wellsfargo dated XX/XX/2022 that the resolution for the {$5000.00} is consider authorization therefore the case is closed. 
I went to Wellsfargo branch XX/XX/2022 with the letter and spoke to the banker regarding to I did not open the account nor make the tele transfer. The banker look at my account and saw that the account was open online, debit card is sending to XXXX NY and XXXX withdrawals were made in XXXX FL. He then called the fraud department and asked to be re-evaluated. 
A banker called me XX/XX/2022 with case number and said they will give resolution by XX/XX/2022. 
During the wait time I logged in to my online account and go thru unread messages from Wellsfargo. I saw that someone has change my email in my online account without my knowledge therefore I never receive any notification. The XXXX address also were added on there. 
XX/XX/2022 I went to the branch again to speak to a banker about the resolution. He said they will stick with the decision, it wasnt a fraud because its my account. I spoke to the manager at the branch and he said the same, he has to follow his higher. I asked them if I open the account how come when I log in to my online account I never see that fraud account on the menu? They answered sometime you have to manually add it on. I asked them for the print out of the fraud account and the account number so I can make a police report. They provided me with the account activities of the fraud account and an affidavit for identity theft. 
I saw on the account XXXX withdrawls. 
1. {$1000.00} XX/XX/2022 in XXXX FL 2. {$2400.00} XX/XX/2022 in XXXX FL 3. {$1000.00} XX/XX/2022 in XXXX FL . 
Ive called Wellsfargo right after I saw the fraud tele transfer to report fraud transfer and non authorization of the fraud account on XX/XX/2022, but the theft can still withdrawal XX/XX/2022. 
I also saw the message in my online account that Wellsfargo sent out another debit card to the XXXX address XX/XX/2022 which is more than a week of reported. I feel very disappointed of how the bank is handling things without seeing any red flags. I am disappointed on their decision of fairness consider I have banking with them almost 20 years.