davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

On XX/XX/2018 my mortgage company ( Loancare ) reversed one year of mortgage payments and additional principle payments and showed my account as 12 months past due. My principle owed went up to where it was 12 months previously. After a month and 4 phone calls, they concluded my account was fixed. During this " resolution '' time period, the company did not honor my pre-set auto payment plan ( without notification to me ) and once again showed my account as past due and applied a late fee charge to my account. After 2 more phone calls and escalations, they accepted my payment and said they would wave my late fee. This was on XX/XX/XXXX and my account still show a due late fee. 

I have since called again as, after their modifications to my account, as my outstanding principle on my XXXX statement is HIGHER than what was on my XXXX statement prior to their incorrect activities on my account. I was told that my issue was being passed to another department and I would be notified of the status. No additional activities have taken place that I've been made aware of and my account still shows a higher principle balance owed in XXXX ( {$210000.00} ) than it did in XXXX ( {$210000.00} ), despite never missing a payment AND applying additional principle payments. 

I submitted a request via email to their customer service department ( I wanted to document the communication ) requesting a fix to my account and a description of the activities they have performed so that I can feel comfortable that my mortgage has been correctly handled. I have followed up 3 additional times and have yet to hear anything at all from my original request despite automated acknowledgement of receipt of my communication. 

I am not confident that Loancare is handling my loan properly and that all the payments I've made since loan origination have been applied to my account. I also want to be sure that I was not charged additional interest due to the missteps of Loancare.
Consumer complaint received 2016-10-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (CT)

There is debt in my name for a former auto loan. The debt is with Ally Bank. This creditor gave my personal information to an unauthorized third party over the phone. They did not try to verify my information ( social security number, address, DOB or even my name. ) The creditor then gave all of my personal information and information about the debt to a third party.
Consumer complaint received 2022-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: GOLDMAN SACHS BANK USA (TX)

I've been through the whole pandemic without one miss payment and nor have I asked the creditor for an extension. This past month, I totally forgot about a payment. I wasn't sent any reminder or anything. Well, Needless to say, I received an alert for from XXXX about a 30 day late mark on my credit file. I called the lender immediately to discuss and to let them know I can make the payment today and to please give me a removal courtesy. I satisfied the payment and there were no guaranteed of the removal.
Consumer complaint received 2020-12-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in Accordance with the fair credit reporting Act 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXX XXXX XXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : USBK COURT XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANKRUPTCY DISMISSED/CLOSED XX/XX/XXXX has violated my rights in Accordance with the fair credit reporting Act : XXXX XXXX XXXX XXXX Account number XXXX has violated my rights
Consumer complaint received 2022-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

Hello, I am writing to address an issue with FedLoan Servicing taking over a month to recalculate XXXX plans which in turn, adds months onto your XXXX  time length. This information is not shared up front that time spent in adminsitrative forbearance is not included in eligible months, despite employment by a certified employer. I have now lost 3 months of progress because my amount needed to be re-calculated- it took them 3 months to return the new amount to me which now just adds an additional 3 months on the back end. There has been a long history of misinformation about XXXX from FedLoan Servicing and in the end, it is just hurting those who are trying to dedicate their career to public service.
Consumer complaint received 2018-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (CA)

I paid off the loan, but they were very rude, and they charged me three extra days. I wanted to pay off my loan on Friday XX/XX/2018. And I offered to use my debit/credit bank card, and they refused. I even asked to speak with the supervisor, and he refused. He charged me Saturday, Sunday, and Monday because Banks do not process checks on those days. Other loan companies, gave me my pay off amount for that same day, and they would advise me " the amount would be taken out of your account in two to three days ''. But this Lending Club refused to do that. He said payments have to be confirmed with the bank, I told the supervisor. I am paying off the loan, it is not a payment. The other workers were laughing because I know they also refused to give me the amount for the same day. {$30.00} or {$40.00} dollars it's a difference. But I offered to pay with my debit card, with my name on it coming from the same checking account number they had/have in file. Very unprofessional people, they were unwilling to work and first they said Tuesday XX/XX/18 then they changed it to XX/XX/18.
Consumer complaint received 2018-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2018, I did a balance transfer for {$1400.00}, however XXXX ( XXXX ) debited me twice and started charging me interest on the mistaken debit, as if it were a purchase. I called them to dispute this and they agreed that there was an error on their part and would credit me the {$1400.00} plus any interest ( {$140.00} + two addition months @ {$20.00} ) charges ... which they did. However, they reversed the credit last month. I called back and spoke to a supervisor last week, who didn't understand why they would reverse the credit. He said he would email the person directly who reversed the credit and hopefully, within a week, I would see a permanent credit and the problem would be resolved. To date, I haven't received the credit and I feel I'm getting the " run around. '' This has been going on for about a year and I have been very patient.
Consumer complaint received 2018-05-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXX I was told via written letter that after reviewing everything Navy federal still finds me liable for the balance. On XX/XX/XXXX I called to confirm their decision after I filed claim with CFPB and they said the letter sent out is correct and that is their decision. I want to know why is Navy being dishonest with CFPB by not notifying them that they are no longer working on the issue anymore since XX/XX/XXXX they made a final decision??? 

I have attached the letter they sent me with their final decision.
Consumer complaint received 2022-03-03
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. (AZ)

I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX I also have a fraud alert on my credit profile as well
Consumer complaint received 2018-12-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.
Consumer complaint received 2018-12-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

I received a letter from a debt collection company on XX/XX/2018 demanding payment for a supposed debt, they failed to give thirty days notice of the assignment of the debt to them which is required by Florida debt collection laws. ( As per Florida Statute, Title 33, Chapter 559.715 In order to resolve the debt i sent them an offer of approx 40 %, ( XXXX ), of the amount they claim i owe, ( XXXX ) .They responded with a second letter on XX/XX/2018 stating " they accept my offer of XXXX dollars '' and demanded i pay within 30 days. 

I never offered them XXXX, they are fraudulently claiming so, on top of their violation of florida debt collection laws. 

i have attached all correspondence between myself and this company
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (CA)

I reported fraudulent transactions on my credit card that came from XX/XX/XXXX which is a company I have authorized numerous purchases with before. The charges were not made in person, and I made the customer service representative aware that my card had not been lost nor stolen and had never been out of my possession. 

Tonight, I attempted to make a purchase with this card prior to going to the grocery store and the card was declined. Upon checking my account online, I saw that the card had been closed due to being lost or stolen, though I had never made such a report. 

I was given no noticed of the impending cancellation of this card. I did not receive a phone call, and email nor a letter and have been completely blindsided. In the midst of a pandemic wherein my hours have been cut and my income has decreased by over 60 %, I am left without a usable card with ZERO notice. 

When I called Wells Fargo, I was told that a new card was sent to me and would " probably '' arrived by Friday. So I will be without a usable card for three full days. I told the customer service rep to reopen my card as I had never reported it stolen in the first place, which she refused to do. Instead, she told me that I could go into a branch and get a cash advance, which of course carries phenomenally high fees. 

Essentially, this company has blindsided me by falsifying information and then telling me my only option is to borrow money from them at an exorbitant rate in the meantime.
Consumer complaint received 2020-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

DEPTEDXXXX XXXX {$9000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$17000.00} DEPTEDXXXX XXXX {$3700.00} DEPTEDXXXX XXXX {$6000.00} USDEPED XXXX {$34000.00} XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2800.00} XXXX  XXXX {$2500.00} XXXX  XXXX {$990.00} XXXX  XXXX {$7100.00} USDEPED XXXX {$8200.00} XXXX XXXX {$480.00} XXXX  XXXX {$5000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2022-06-19
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. (TX)

In accordance with the Fair Credit Reporting Act 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 has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a 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.
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

I signed up for a venmo account in order to receive a payment from someone. I received the payment. Whole waiting in line to receive the debit card venmo froze my account in claims that I may have violated their terms of service agreement. I not sure how I could have done so within the app due to the fact that the explanation for withholding my funds was only expressed in one sentence " Your account has been frozen. We believe you may have violated our terms of service agreement. '' I was attempting, in lieu of being able to use the account to pay for basic needs without at debit card, transfer money to a system that I already have in place in order to meet my basic needs as that was the purpose of money transfered to my venmo in the first place. Venmo has offered no explanation as to why I can not access my funds.Meanwhile, I sit here on the verge of losing basic needs such as a way to get to work, losing my job, not able to provide myself with nutrition, or self cares and pertinent medications that keep me healthy enough to function properly. My stability is hanging on by an accusation. This is financial no abuse. I am a vulnerable adult. I would explain this to Venmo but they do not afford communication in the opposing direction in order for me to accurately defend myself, which is also not ok. I will be making a report with the common entry point for a VA abuse investigation. Even if may have accidentally violated their terms of service, they should not, without proper explanation, giving me proper evidence and a way to defend my actions, be able to withhold my basic needs with a one sentence explanation as if I do not matter and not afford me the rights I am entitled to. They should not be able to stop me from meeting my basic needs or steal my money in order to " teach me a lesson. '' That lesson is resulting in my failure to thrive. I should at least be given the dignity to defend myself and not just treated like a reason for them to steal from me and not care that I'm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You don't mess with someones money without taking into consideration what that actually means. I have XXXX and this has mirrored past financial exploitation as well as triggered episodes of XXXX XXXX that has effected my ability to work.
Consumer complaint received 2022-03-05
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. (AL)

In accordance with the Fair Credit Reporting act, US Department of Education/ account # XXXX, US Department of Education/account # XXXX, DEPT OF ED / XXXX- account # XXXX, and XXXX XXXX XXXX # ( not shown on consumer report, and only reported on XXXX ) have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-12-15
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. (PA)

I contacted XXXX and asked them to correct the inaccuracies that they are reporting to Experian, XXXX  and XXXX they ignored my request. 

I contacted XXXX, XXXX and Experian and asked them to verify this incorrect information or remove this account from my credit file because it is not being reported with 100 % accuracies. 

They are reporting different things to all three of them. The account types are different. The 30, 60, 90, XXXX  and XXXX  are being reported on differently. The same derogatory late payments are being reported on all the reports on different months. An account that is reporting 100 % accurate information would never do that. All the information would match on all 3 credit reports.
Consumer complaint received 2024-05-21
Product: Credit 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: TD BANK US HOLDING COMPANY (FL)

XX/XX/XXXX I received emails from XXXX thanking me for my purchase Two charges were on my TD XXXX XXXX card for {$200.00} and XXXX. The charges were made online. I disputed the charges with the bank and reversed the charges. The charges were placed back on my account on XX/XX/XXXX. I called the bank requesting to know why I was recharged. The bank informed me that the claim had been denied due to my approving the charges. I did not approve these charges. I have never had an account with XXXX. I never purchased anything online or in-store. I contacted XXXX and was advised that the online order was picked up at a XXXX XXXX, FL store and my email was used. I have called the bank several times. Each time the Dispute and Claims Department would send me a letter of review determining fraud did not occur stating I authorized the purchase. I did not authorize the purchase. I filed a report on XXXX.
Consumer complaint received 2022-03-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ATLANTIC BAY MORTGAGE GROUP LLC (VA)

On XX/XX/XXXX i was approved for a forbearance by Atlantic Bay mortgage once my forbearance period was up ( XX/XX/XXXX ) Atlantic Bay mortgage sent me a partial document for XXXX but when the paperwork went through I noticed the documentation Atlantic Bay mortgage sent me had my beginning balance of {$180000.00} and a ending balance of {$190000.00} so I contacted Atlantic Bay mortgage several times about the error no one cared to investigate my claims so Atlantic Bay mortgage sold my loan to XXXX XXXXXXXX XXXX on XX/XX/XXXX so once Atlantic Bay mortgage told me I had to speak with XXXX XXXXXXXX XXXX about the situation and did I started the back and forth all over again so out of XXXX of my phone calls to XXXX XXXXXXXX XXXX I managed to I person to do some research and she sent documentation of how my mortgage account should be but didn't add it to XXXX XXXX XXXX  system so it still has an error on my account and credit I would just like to have this error fixed i have any documentation needed to assist with this long process. Below I've sent what te account with the forbearance included should appear within the principal balance at the moment it's added on to the principal balance and that's an error. Thanks
Consumer complaint received 2020-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SD)

I was scammed by this person. He sent me a check for {$3100.00} and then asked me to send money to some people through XXXX from Wells Fargo and also get some gift cards for them. I filled a complaint on XX/XX/2020 to the bank and they said the check was fake. 
On XX/XX/2020 they said they can't refund me my money because this was a scam and they can't help. They didn't help me to track the transactions as well. I went to Wells Fargo bank in XXXX and they told me to contact their customer service and they said they can't help with a scam.
Consumer complaint received 2018-12-15
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: EQUIFAX, INC. (PA)

There are numerous inquiries on my credit reports from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX 

I contacted them and asked them to correct the illegal inquiries that are on my credit reports and they said these inquiries are valid. 

I disputed these inquires in XXXX, XXXX and XXXX through XXXX, XXXX  and Equifax and they have not been investigated, verified, updated or removed. 

What normal human being in their right mind would apply for credit card or a loan through XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX? 

Can you please contact XXXX XXXX, XXXX, Equifax and XXXX and have them delete these inaccurate, illegal inquiries of my credit report?
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We are in our XXXX and having excellent credit and have a long history of credit situations yet when we applied we were told we did not have enough history to generate a report.