davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I am writing to update/correct my personal information on file with your company. 

Please update my address ( XXXX XXXX XXXX, XXXX TN XXXX ) Please update my name ( XXXX XXXX ) My only social security number is ( XXXX ) My only correct date of birth is ( XXXX ) My only employer is ( XXXX XXXX XXXX XXXX My only salary amount is ( {$65000.00} annually ) I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the US post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2022-08-29
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. (GA)

I have been submitting multiple letters as CFPB complaint requesting that the Credit Bureaus reinvestigate the disputed items from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/202XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-04-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: VEROS CREDIT, LLC. (FL)

Notice one day money being garnished out of my check nearly half of my funds leaving me ( head of household ) to be financially distressed, bills back-up. They are trying to collect {$16000.00}. They are in a total different state then where I live.
Consumer complaint received 2019-11-15
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. (ME)

I ask that Experian fix the below errors on my credit report that I've either already disputed or there is no section to add the particular dispute. 

I respectfully ask that the CFPB leave this complaint open until Experian provides an updated credit report to me, in-hand, not simply when they reply to this complaint and say, " we'll investigate but it could take some time. ''
Consumer complaint received 2019-02-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OK)

Navient acknowledges that I am completely and XXXX  XXXX and I have received a federal student loan discharge based on that ( the discharge monitoring period for that ended XXXX of XXXX ). I have no income and no assets and am in the process re-applying for SSI. When I applied for TPD relief with Navient for my private students loans, they " restructured '' some of my loans, but the payments are still completely unmanageable ( over {$200.00} per month ). I've  repeatedly asked them about at least lowering my payments and am told this is impossible. Being completely unable to pay them, at this point I am going into default and my credit is trashed. I filed for bankruptcy in XXXX, but the legal aid company I used does not do adversary proceedings and so could not address the student loans. I currently owe Navient {$27000.00}, with about {$1500.00} of it being past-due. I have 4 loans : 2 were dispersed in XXXX at XXXX University, one in XXXX at University XXXX XXXX, and one in XXXX at University XXXX XXXX XXXX. Navient says I became legally XXXX in XXXX, before taking out the final loan, so they don't consider that to be included under TPD restructuring options.
Consumer complaint received 2019-02-01
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (VA)

On XX/XX/XXXX my wife and I applied for a reverse mortgage with American Advisors Group ( AAG ). The application was taken in our home by AAG representative XXXX XXXX ( NMLS ID XXXX ). On XX/XX/XXXX we completed the home counseling with XXXX XXXX as a prerequisite to the loan application. We received a U.S. Department of Housing " Certificate of HECM Counseling '' ( Certificate Number XXXX ) signed by XXXX XXXX   XXXX XXXX. On XX/XX/XXXX our home was appraised at a market value of {$680000.00}. The appraiser was XXXX XXXX XXXX, XXXX ( License No.XXXX ). We paid for both " counseling '' and appraisal and had no issue with the individual or company involved.

Our file was assigned to AAG processor XXXX XXXX on, or about, XX/XX/XXXX. I sent Mr. XXXX all requested documents including bank statements, retirement documents and tax returns and he confirmed receipt on XX/XX/XXXX. At some point between XX/XX/XXXX and XXXX Mr. XXXX resigned or was terminated. The loan reassigned to XXXX XXXX. Documents I had submitted to Mr. XXXX were lost and had to be resubmitted. I wrote a letter stating my concerns and spoke to AAG Divisional Manager, XXXX XXXX, On XX/XX/XXXX I received an email from Mr. XXXX that our loan was " conditionally approved ''. 

This is where the actions of AAG become suspicious and lack transparency. For the past month I have not been able to secure a final loan approval. These are the relevant facts ( 1 ) my wife and I are over 65 years old, ( 2 ) we took the required HUD course, ( 3 ) our median credit scores were both well over 720, ( 4 ) we were never late on our primary mortgage ( 16 years ), and had no other mortgage or loan payments late in the past three years. Despite all of this positive history an unidentified AAG underwriter raised an issue about homeowner association ( HOA ) monthly dues that were paid late. These HOA payments were oversights of very small payments and did not result in any collection accounts or liens. Once AAG was satisfied with our HOA explanation, the unnamed, unidentified AAG underwriter questioned our income.

This is suspicious since our reverse mortgage will ( 1 ) require us to bring over {$60000.00} to closing ( which we have and provided documentation ) and, ( 2 ) will reduce our monthly expenses by {$2500.00} per month. We we not seeking payments from the reverse mortgage because we did not need any additional income. The reverse mortgage in our case is not a necessity but a proactive retirement action. 

Finally, what we are seeking is clarity and transparency. This is a Federally insured loan program that should be processed in a clear and nondiscriminatory manner. 

It is now XX/XX/XXXX, and despite several promises of closure we have yet to receive any.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been the victim of identity theft fraud, and my attorney has submitted several disputes to the credit reporting agencies along with proof that the accounts and bankruptcies were fraudulently filed in my name. They have yet to delete any of the accounts, and the BK Filing. They are holding me hostage to a debt that I did not create. I have been disputing the fraudulent bankruptcies for over three years now, and still no changes. I need help assistance immediately.
Consumer complaint received 2019-02-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (FL)

I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online. 
I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client. 

Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened. 

The company is discriminating against me and my small business.
Consumer complaint received 2021-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (MT)

My email with PayPal is XXXX PayPal has frozen my account with {$9500.00} on it and they assured me I will be able to withdraw my funds after 180 days. 

On XX/XX/2021 I got email from PayPal saying that my funds were eligible for withdrawal and that I can link my bank or card to withdraw my funds. 

My issue is that my bank and old cards previously linked to my PayPal account have all been closed. 

I have tried linking a new bank or card to withdraw my funds to but it keeps giving me bad signal that there is a problem with my account advising me to contact customer service, but when I do, I have not received a solution to my issue rather than copy and paste replies from One Lady called XXXX from executive office. 

I want PayPal to remove the restrictions of adding a card off my account so I can be able to link a card to my PayPal account without any problem and withdraw my funds. 

I will submit the screenshots of the error message that I want PayPal to take it off
Consumer complaint received 2019-02-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: F&L Marketing Enterprises LLC (VA)

I opened a payday loan with XXXX XXXX Loans at the XXXX  XXXX location. The Loan was opened on XX/XX/2018 for {$750.00} at 299.000 % and my loan number is XXXX. Due to going into overdraft on my accounts- causing major household bills payments to bounce for insufficient funds. The representatives will call 3 to 5 times daily and has called my place of employment several times, even though, I specifically asked them not to call due to my employers guidelines. This information was notated on my original application and in person to the representatives. I have paid to date {$650.00} towards this {$750.00} loan and still have a remaining balance of {$820.00} from the original {$750.00} loan.
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (GA)

I have a credit card from TD Bank.Statement issued on XX/XX/2019 of this credit card had a credit balance of {$2.00}. I called this bank & request a check for {$2.00} on XX/XX/2019.I did not receive any check from this bank till today. Although, I called several times after XX/XX/2019, but no good luck in getting my credit back from them Customer service of this bank was very bad. They do not have any respect for customer.I am very frustrated with their customer service.
Consumer complaint received 2019-02-01
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. (NY)

XX/XX/2018 I received a letter from XXXX XXXX XXXX in regards to a debt on a auto loan with a settlement offer which I paid and a promise to delete the account from the various credit reporting agencies. I was told it would take 90 days by XXXX to delete the account so far that hasnt materialized. I have also disputed the account through the various credit reporting agencies.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I was encouraged to open an account in XXXX in order to cash a payroll check from my employer who uses Chase. My previous check from the same employer resulted in harassment by XXXX branch staff, who refused to cash it, even after making me get the check reissued- ( the employer had to come to the branch and just simply withdraw cash to resolve the impass ). 
I told the account-opening banker that I was surprised when the check wasnt made available in my new account, and asked him to call issuer, since he was standing-by for verification call, but took his insistence it would be made available the next day. Three days later ( XXXX? ) I was inconvenienced to learn that my travel plans would be impacted by the unavailability of the payroll funds, which seemed like an arbitrary decision by Chase, since my employer & i were now both using Chase. ( Chase has done this to me about 4 yeats in the past, with a two-week hold on a verified check. ) Supervisor was unavailable at that branch, so i went to the next closest, XXXX XXXX, and demanded to file complaint with Supervisor. Despite not yelling or using profanity, the banker, XXXX XXXX, seemed offended by me, so i explained why my frustration is high, given the prior context of Chases seemingly arbitrary methodology of withholding clearly-available funds, and stalling transaction holds that are not experienced by the subject at large, & that i visited that branch bc the other lacked a supervisor to document my complaint ; Chase, which enjoys unquestioned uncompetitive market-share in XXXX, seeks to force consumers to accept an opaque and arbitrary policy on transaction holds, since XXXX XXXX provided me with a printed policy that was incorrect for my complaint ( XXXX supplied document is in my records & available upon request ), I assume Chase is not prepared to be transparent in how it conducts business capriciously depending on the member. 
Since this instance, ( where the arbitrary hold on my payroll check affected my holiday travel ), theres been another unrelated hold of funds by Chase, which is why my XXXX rent was submitted late, which could violate my rent-controlled lease, causing me unintentional financial damages. There was no security trigger that would cause ATM to deny funds ( see photo attached ) other than my jerky motions, and stepping away, at the ATM, bc i needed to XXXX, which may have triggered a computerized red flag suggesting a fraudulent withdrawal, all if which i had to explain to my landlord, who already has obtained permits to develop my building, and seeks our eviction to do so. 
i make these statements under penalty of perjury under the laws of the State of California, in XXXX, CA on XX/XX/23 Signed ; XXXX XXXX
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

Shellpoint for over a year has been mailing my monthly mortgage bill to the WRONG ADDRESS, refuses to fix it. I only just now found out. 

There are 2 borrowers with equal rights. 

Other borrower abandoned home, went missing, stopped paying mortgage, committed XXXX against me, changed phone #, all contact info. - on XXXX Over a year ago. 

I have told employees at Shellpoint this by phone, email, chat, website messages. 

The subject property where the mortgage is, was, always has been : XXXX XXXX XXXX XXXX XXXX The county is, was, always has been : XXXX XXXX They have : XXXX XXXX They have been told by phone, mail, email, chat to fix the county, where the property taxes are paid. 

They have refused to fix the county. 2 years, it is still wrong. 

Now I find they are sending my monthly bill and correspondence to the co-borrower who abandoned the property, in XXXX XXXX 

No one made this change. 

Best of all, they are LYING and saying USPS is responsible. 

No, it is PREPRINTED BY SHELLPOINT MORTGAGE ON THE BILLS. 

USPS DOES NOT PRINT THEIR BILLS. 

So now not only do they have the WRONG county, WRONG mailing address, WRONG mortgaged property address, WRONG person the bill is being mailed to - they have refused to fix for 2 years, and 1 year- now they are lying about it. 

USPS DOES NOT HAVE ACCESS TO SHELLPOINT 'S INTERNAL BILLS THEY PRINT OUT AND MAIL.
Consumer complaint received 2019-02-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (LA)

I am a co-signer on a loan that my deceased grandson originated with Sallie Mae and later transferred to Navient. I asked my daughter in law to contact them on my behalf to request a copy of the loan documents, payment history and proof that he opted out of an insurance that would have covered the debt ( according to Navient ) which I have requested in the past and never received. She sent that request XX/XX/2018. We did not receive any further correspondence from Navient until XXXX when the transferred it to collections and filed negative reporting on my credit history. They also said they mailed a letter on XX/XX/2018 stating they had to have authorization to release information to a third party. My daughter in law did not try to obtain anything until XX/XX/XXXX so I don't know why they would send a letter the day before. As of today I still have not received any of the information that has been requested. Up until XXXX I made all monthly payments timely because they told me it was owed although I have been requesting documentation to show how much was owed for how long and now I have started to question everything that has been paid because to date I haven't received any paperwork other than monthly statements.
Consumer complaint received 2019-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

I had a payment to XXXX for {$210.00} on XX/XX/XXXX. My Checking account balance was around {$160.00}. I also had {$50.00} in my savings account. I already had overdraft protection on. I know for a fact that since I didn't have enough money in my checking account to pay it that my savings would cover the difference. And it went through because I saw that the payment was successful and I had a checking balance of ( around ) - {$6.00} and a savings balance of {$1.00} ( I transferred the {$1.00} to my checking as well ). That same day I checked my balance and went to a chase bank to deposit {$5.00} so that I wouldn't have to pay the insufficient funds fee ( Its for a balance of less than - {$5.00} not {$0.00} ). I woke up this morning ( XX/XX/XXXX ) to {$48.00} in my savings, a {$34.00} insufficient funds fee, and - {$85.00} in my checking account. I called Chase, and the lady said that she would try to process the waiving of the fee but no guarantees ( did not process ). She said it was out of her hands and I asked to speak to someone who did have the responsibility/position to help me. she said that she couldn't. This is the second time that I've had to file a complaint against Chase. I had to wait 6 months just for Chase to credit me for shoes that I returned to XXXX.If I have to file again, I'll want more than an apology.