davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (FL)

I work XXXXXXXX. Around XXXX ET I saw I had back-to-back-to back charges from XXXX which followed : {$120.00} {$110.00} {$70.00} {$5.00} {$5.00} These charges shouldve been flagged as they were repetitive its as if the fraudster was going until they could drain the account. I let the company know that when I lock my debit card it immediately unlocks. I was told by them that they would contact me within less than 3 hours. I had to call 24+ plus hours later and then, I was able to cancel my card and get a new one and file the claim. I should have been notified for the charges over and over to a single merchant. All banks do this. Im very upset with the handling of my issues. I have provided the messages and then me having to call twice more than 24 hours later.
Consumer complaint received 2022-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/2021 and XXXX XXXX, I filed a dispute with Experian, XXXX and XXXX in regard to inaccurate information on my consumer report. On both occasions, I never received any correspondence from either agency.
Consumer complaint received 2017-12-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (TX)

I filed a complaint with CFPB # XXXX. FAY Servicings response was that they never receieved the signed documents back from us however we did send the signed notized documents i have attched a coy to this complaint maybe this will resolve our wrongful forclosure issue and we cant restart making our monthly payments soon. Thank you XXXX XXXX ...
Consumer complaint received 2017-12-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX XXXX have been re-aged repeatedly - see attached XXXX, XXXX, XXXX credit reports. Closed accounts are reposted with newer closed dates and payments are shown in closed accounts to continue reporting. 

Age off dates are posted in my credit reports XXXX, XXXX, XXXX, XXXX they just keep moving forward. 

I disputed the report two weeks ago and the CRAs posted a year of new payment activity in the long since closed account in response last week. 

Please fix this.
Consumer complaint received 2017-11-14
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: FBC MORTGAGE, LLC (FL)

On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.
Consumer complaint received 2018-11-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Innovative Collections, LLC (TX)

My collection repair firm sent a dispute letter to the collections company regarding verifying the debt my client owes. The date of this original dispute was XX/XX/2018. 

The collection company responded back with partial information originally requested by email on XX/XX/2018. The contract they sent was missing pages 6 pages from 8. The amounts there trying to charge my client is not in the contract and over charging on cleaning fee 's, a months rent when he already moved out after his 30-day notice.

When speaking with their collection manager on XX/XX/2018, she clearly admitted that they did not have all the information that was originally requested and claimed my client did not give notice. I asked for that information in our phone conversation and she did not have that ether. This company is attempting to collect on a debt with no information that is valid nor have sent all requested information to my client or my office and continue reporting his debt they say he owes unlawfully. When collecting on a debt the collection company must prove that a consumer owes the debt, this has not be done as originally requested. There fore I clearly see my client is being violated on his Fair Credit reporting rights and ask that collections stop due to this clear violation from Innovative Collections. 

Please see attached audio file, original complaint filed by email.
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC (MO)

I purchased XXXX XXXX XXXX with {$2000.00} down payment and financing for {$7000.00} from American Credit Acceptance. Due to financial difficulty I could n't keep up the payments. I decided to Voluntary Surrender the car on XXXX XXXX, 2017.
American Credit Acceptance sold the car at Auction for {$2.00} leaving a deficit of {$5000.00} still owed on car. American Credit Acceptance sold the XXXX XXXX XXXX for {$5000.00} under the Fair Market Value of the car. Also American Credit Acceptance did a Charge off for the car so they can Deduct the total cost of {$7000.00} for the car. American Credit Acceptance did n't try to recoup the Fair Market Value of the car.
Therefore I want an investigation into Fraudulent Conduct by this company to try to make Double what they were owed on car.
I want Justice in this matter because they are not only During this Injustice to me but Thousands of other Customers they have and they have been getting away with it.
Waiting to hear from you.
XXXX XXXX
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX amount owed : XXXX On XXXX XXXX, 2017, I called the above mentioned company in regards to a collection account being reported to the credit agencies. When I called, I got an initial representative by the name of XXXX who requested my full name, social security and my DOB. Iinformed her that I was unsure what the debt was for and that I was extremely leery about providing personal and protected information. This representative told me that if I verified my DOB and last 4 numbers of my soicial security number, she would be able to give me detailed information on the account. I provided her with my DOB and the last 4 digits of my social security number. When I then asked who the original creditor was, she refused to give me the information. She stated that she would need my full mailing address and my full social security number. I then informed her that i would not provide additional information and that per her previous statement, I needed her to tell me who the creditor was. She refused. I then requested to speak to a supervisor. She then transferred to XXXX XXXX, who hung up on me after being on hold for 5 minutes. I called back and requested to talk to him directly. When he got on the phone, explained that i obtained the information from the credit agency and that according to what is being reported this account does not belong to me. He explained that I needed to verify my identity by providing all of my personal information. I then explained to him what XXXX had explained to me, that I had provided information and that she then refused to give me details on the account unless I disclosed more information. XXXX XXXX then said that he was like my banking institution and just like I provide them all of my personal protected information I needed to provide it to him. I told him that he was not my banking institution and that when I call the bank, they only ask for XXXX identifiers. He then said that unless I verified all the information he would not assist me and that when he calls his bank he provides them his name, SSN, DOB, address, phone number. I told him that he was not my banking institution, that I was being reported to the credit agencies erroneously and that he needed to provide me with information about the account before I gave him additional information. He said that he did n't care that he was not the bank and he was not helping and hung up the call. I then attempted to call back and I was transferred again and XXXX XXXX hung up on me again. I then called back and informed the receptionist to informed XXXX XXXX that I would be reporting him to the FTC Consumer Financial Protection Bureau and the the state Attorney General office.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX XXXX provided me with a letter dated XX/XX/2018 stating the following : Please be assured, we updated the credit reporting agencies to report the credit limit as ( XXXX ). Please allow the credit reporting agencies approximately ( 30 days ) to update their records. ( See attachment. ) As of XX/XX/2018, more than ( 30 days ), the credit bureaus have not updated their records. Per the Fair Credit Reporting Act, the account must now be deleted from all credit bureaus.
Consumer complaint received 2018-11-15
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. (OH)

This Account was disputed and deleted by the credit bureau ( Transunion ) in XX/XX/2018, it was then sold to another debt collector and is being reported again illegally and Transunion has allowed this!
Consumer complaint received 2015-06-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: TaxServ, LLC (CT)

Called to find out information regarding a tax bill they stated I did n't pay in 2013 but they would n't assist. I was hung up on and threatened by the staff. When I ask to speak to a manager I was told no you 're not speaking to her about this. I spoke to XXXX and XXXX.
Consumer complaint received 2018-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One issued a check for {$2500.00} to me for a credit balance owed to me. The check was dated XX/XX/XXXX. After not receiving the check, I called Capital One on XX/XX/XXXX, they told me it take 2 - 3 weeks to be received. On XX/XX/XXXX I called again after not receiving the check ; they informed me at that point the check had been cashed. I immediately reported to Capital One that the item was NOT cashed by me & reported the item as being fraudulently cashed ( stolen ). Capital One provided me with a copy of the cashed item, clearly signed by someone else. 
Since the I reported this item as being fraudulently cashed / stolen ; I have not received a replacement and I am out the {$2500.00}. I have called Capital One many times only to be told they are researching the issue and no one can give me any further information. The research turn around time is " unknown '' and no one can provide any answers or timeline, nor can they provide what research is being performed. I have spoken with endless representatives and I've captured some of the ID 's XXXX XXXX XXXX - said it was under investigation & I would get a call as soon as there was more information XX/XX/XXXX XXXX XXXX - could not provide any updates or answers XX/XX/XXXX XXXX ( didn't obtain ID ) said she was going to research & call me back by XXXX, no call back received. 
XX/XX/XXXX XXXX ID XXXX - couldn't provide any update, said it was under investigation & there was no one that could provide any additional information or detail. Refused to transfer me to the department handling the investigation. Said the person handling the investigation ID # is XXXX but they aren't available to give her an update & they will mail me a letter with investigation outcome & there is no turn around time for when I'll receive that letter. Refused to transfer me to anyone else, any other manager or her manager but did give her managers ID : XXXX Unable to obtain any updates aside from " it's being researched '' and I've been receiving that reply for 30 days now with no additional detail or turn around time. 
On XX/XX/XXXX I filed a police report and have a copy of the report. Capital One has NOT asked for a police report, nor asked me to file one. Capital One has not asked me for any information to assist them in researching this fraud / stolen check item. 
I am out {$2500.00} and I can not get any answers, them item was stolen and fraudulently cashed and did not benefit me in any way. 
No one at Capital One can tell me the protocol for this issue and what the steps are that I can expect. No written statement or any requests to verify my signature have been requested by Capital One. 
I will complete any requested information and provide full cooperation to assist Capital One in researching this fraud.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

This Account was disputed and deleted by the credit bureau ( Equifax ) in XX/XX/ 2018, it was then sold to another debt collector and is being reported again illegally and Equifax has allowed this!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TX)

The dispute I opened up with XXXX with wells Fargo was denied. They did not close the account, and it did not get removed from my credit report. I never opened up a Wells Fargo account, and I have never had an account with Wells Fargo. I do not want that account, and its hurting my credit. I need it removed
Consumer complaint received 2018-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted them about numerous hard inquiries that was been reported on my credit reports ( XXXX, XXXX, XXXX ) from where company pull my credit report without my writing consent and ask for validation of the account or information that they attain to get my credit report.
Consumer complaint received 2018-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

First off, I want to state that this issue was eventually resolved by Navient. I have only just learned of the lawsuits pending against Navient, however, and wanted to submit this information in case it might be pertinent to the legal issues at hand. 

In XXXX, I applied for my income-based repayment planned to be renewed. When Navient responded, they sent a letter stating that my application was denied. I contacted Navient by phone because I felt I qualified for the renewal and wanted to know why they had chosen to deny it. The Customer Service Representative with whom I spoke put me on hold while she checked my account. She then informed me that my receiving the letter had been the result of " a glitch '' and that my repayment amount would stay the same ( {$0.00} ). She also assured me this payment amount ( {$0.00} ) would run for one year after my initial plan ended and the renewal began. 

Not long after speaking with the CSR, however, I received an email from Navient telling me that my monthly payment would increase to {$63.00} and the first such payment would be due on XX/XX/XXXX. 

I made by second contact to Navient through a form on their website. The representative who responded told me the same as the first -- my application had been received, processed, and approved. I was told that it would go into effect before the XXXX due date so there was nothing for me to worry about. 

I logged into my Navient account on XX/XX/XXXX to check to make sure the payment had been adjusted. What I found, however, was that my account then showed as " PAST DUE '' with a new payment amount of {$120.00}! On that date, I contacted Navient for the third time total, my second written communication ( again, through their website ), and demanded immediate action before my credit rating was effected and late fees accrued. 

After that third contact, my account payment balance was finally reset to {$0.00}. 

I have renewed that same plan in XXXX and again in XXXX without issue. 

Again, this matter was eventually addressed by Navient but it took my contacting the company 3 separate times over the course of 3-4 months for them to correct an issue which I was assured to be correct from the outset. It is my opinion that this was an attempt to  strong-arm me into making a payment ( or multiple payments ) when I was not financial able to do so, and I found these tactics quite unethical. 

( Because this happened more than two years ago, I have very little proof. The written communications through the website are no longer accessible on my end, as communications older than one year are routinely removed from the message system on site. These communications should be included in my account history. The one thing I still have and am including as an attached image is a copy of the third communication that I sent in this matter. By that time, I was concerned that I might have to pursue legal channels, so I made a point of keeping a copy. )
Consumer complaint received 2022-07-12
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. (FL)

I went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (FL)

I went to Apply for a car they told me they were only going to run my credit through one financial service. They lied I did not find out until a year later they ran my credit through several financial institutions. These are the institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is in direct response to my previous complaint. This is repeat of a complaint to exponential in size. 

TransUnion responded to complaint number XXXX that I was disputing a credit report. In the afore mentioned complaint, I never asked to dispute a credit report. Already did that. 

I would also like to give notice that I have been in contact with XXXX XXXX  many times. 

Here is the problem. TransUnion showed me delinquent on my mortgage. 

In my last many hours long phone call, TransUnion admitted they never received a report from XXXX XXXX. 

Lets repeat it. I have contacted XXXX XXXX  they have cooperated and have given me reports. 

Lets repeat. XXXX XXXX  never reported me delinquent. That is according to XXXX XXXX  AND TransUnion. 

Lets repeat, when the delinquency showed up I did file a dispute. I ended the dispute when XXXX XXXX  notified TransUnion I was never delinquent. 

Lets repeat. TransUnion on its own showed me delinquent. TransUnion did so with no reports no documents no transmittal letters, nothing from anything stating I was delinquent. 

Lets repeat. Why did TransUnion on its own show me delinquent. 

Lets repeat, XXXX XXXX did respond to TransUnion I was never delinquent. 

Lets repeat. XXXX XXXX  filed a single report going to all credit reporting companies, none showed me delinquent other than TransUnion. Proof XXXX XXXX  never reported me delinquent. 

Lets repeat. Why did TransUnion show me delinquent when no such report was given to TransUnion. 

Lets report, I did not ask for another dispute investigation into the delinquent report. That has already been done. 

Lets repeat. After maybe a dozen complaints TransUnion has never responded to my question as to why they generated a late report when they received no such report?