davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (TN)

2 weeks prior to my due date with Vanderbilt Mortgage, I inquired about a 12 hour difference in payment. my payment is due on the XX/XX/XXXX of every month for {$1300.00}. I inquired about a payment arrangement in which they informed me that I have 15 days before a late fee is charged and 30 days before its reported to the credit bureau. my loan was paid at XXXX on XX/XX/2019. it was paid 12 hours and 39 minutes past its due date and Vanderbilt not only reported to the credit bureau, but caused my loan to go into the deficit mode AND caused my credit score to take a 3 point hit. if they had told me this to begin with, I would have just paid it and let my bank account overdraft. I work too hard for this to happen. I have NEVER been late on ANY payment and because of 12 hours and 39 minutes, they reported to the credit bureau after me speaking to 3 different people telling me that I would neither have a late fee nor have an issue with my credit being affected. now, im worried about how this is going to effect me when I go to refinance my home in a couple of months because now, after a year with my home, I have my first ever late payment/credit report on ANYTHING ive ever had. i believe I was lied to, deceived and cheated out of my good score and reporting. I believe under the UDAAP, I was treated unfairly and deceived. I am NOT happy and will be reporting them to the XXXX as well. please get back to me ASAP as I am furious.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (OH)

We went to XXXX XXXX in Virginia in XXXX 2021.There was a makeup section having XXXX XXXX at Nordstrom and the representative who opened our account was XXXX  and her email id is ( XXXX ) .She offered to open a credit card account without any proper disclosure.From that time they have started charging us immense Interest ( 25.90 % ) and they are charging it separately on first payment and total amount respectively.Today ( XXXX2021 ) we have cleared their bill which was XXXX .This is clear practice of Fraud, Bad business and misrepresentation causing us loss of money.We demand a serious action on it and cover our loss caused by this misrepresentation from their side and now they are saying that everything is mentioned in our disclaimer.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

When I applied for a private student loan in 2003 I was denied, reason stated : deceased. 

I have attempted to correct this since then dozens of times. 

It has impacted everything from my ability to rent cars or get phone service all the way to attending school and finding housing. 

They will not even provide me with a credit report to show me what the creditors receive. I have requested free and paid versions of my report and all are declined. 

I have been unable to rectify this and it has deeply impacted my daily life.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank is not honoring a student checking account agreement that does not permit overdraft. 

On XX/XX/21 Citizens Bank disbursed {$9000.00} from my son'sstudentchecking account, overdrawing his account by {$8800.00}. That money was not available in his account and should not have been disbursed. 

I have tried to address this issue directly with the bank. Citizens Bank has referred me to their mobile deposit agreement. Based onCitizens mobilebanking agreement, the no overdraft selection in my son 's student checking account agreement applies. 

The Mobile Deposit Service Agreement states, " Other agreements you have entered into with the Bank... ( collectively, the 'Account Agreements ' ) are incorporatedby reference. '' " Other agreements you have entered into with the Bank in connection with your Citizens Bank accounts and other services, including but not limited to, as applicable, the Personal Deposit Account Agreement ( including Arbitration Agreement ), Business Deposit Account Agreement, Funds Availability Disclosure, Consumer Privacy Notice, Online Privacy Policy, Fees and Features Guide, and Account Signature Card ( collectively, the " Account Agreements '' ) are incorporated by reference and made a part of this Agreement. '' https : //www.citizensbank.com/mobile-and-online-banking/service-agreement.aspx This issue stems entirely from the bank 's error. The bank should not have disbursed these funds based on the overdraft policy in effect on my son 's student checking account, incorporated into the mobile banking agreement. 

Citizens Bank is violating this agreement and in a highly unethical manner, looking for any way toto recoup the loss incurred by their error. They have taken {$8800.00} from my savings account to recoup their loss, and cover the overdraft fees -- proving that, yes- this is an overdraft. The bank has violated theterms of the account agreement by permitting this overdraft and should return the funds they have taken from my account. 

Happy to provide additional documentation as requested.
Consumer complaint received 2018-02-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE (IN)

I have a car loan with Huntington Bank. I filled out paper work with Huntington to initiate auto draft for loan from bank account. Two days prior to the day my payment was due, I called to confirm it was setup correctly and good to go. They confirmed it was setup correctly. Huntington bank drafted the money from my account on the day the payment was due. Few days later, I got a call from Huntington stating that my account was past due. I sent them copy of my bank statement showing that money was taken out of my account by Huntington for the loan. They told me the issue will be resolved in two days and I would get a phone call. Nothing happened and I called back two days later and gave them additional information my bank provided that could help. I was again told they are working through the issue and they would call me in 2 days. Two weeks passed and nothing came out of this. In the meantime, I kept getting letters in the mail stating that my account is past due and they are sending it for collections and charging late fees. I called again this Saturday, they said they don't have any information and can't even tell if my account is even set up for autodraft. They kept me on hold to check for over an hour and then hung up. They never called me back. My account will be autodrafted on this Tuesday for loan payment. This should have been fixed two weeks ago but no one has been able to help me. Instead, I get pushed from one person to another. I called back today and additional {$400.00} has been drafted from my account. Now they are telling me they never called back because they didn't have a proper phone number to call back when I had them update my phone number over two weeks back. In addition to that they are saying that I was never setup for autodraft even though they saw copies of my bank statement. They are asking for copies of checks which I can not provide because I didn't write a check and it was autodrafted. I don't know what to do at this time and I am beyond frustrated.
Consumer complaint received 2017-08-24
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. (FL)

Beginning in XX/XX/2016 I began the process of fixing errors present on my credit report with XXXX, XXXX, and Experian. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX, XXXX. 

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect. 
Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX XXXX Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Creditor : XXXX XXXX XXXX XXXX  Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX  XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 12 XXXX XXXX XXXX, 10XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate. 
Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error. 
Creditor : XXXX XXXX XXXX/XXXX XXXX has deleted XXXX/XXXX Experian has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX  XXXX XXXX XXXX, XXXX/XXXX
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-06-11
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. (SC)

Under 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave transunion any written consent to report anything on my consumer report. No consent is identity Theft. This is a direct violation of Federal Law! 
Transunion credit reporting agency is reporting 8 collection accounts and never produced a written consent from me the consumer!
Consumer complaint received 2023-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

my Square account got deactivated, which i dont know how. But XX/XX/XXXX, I put {$85.00} into my Square account, from my XXXX XXXX account. Its now the XXXX & I cant transfer out my Square account, like theyre just holding my money for nothing.
Consumer complaint received 2021-06-11
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. (NJ)

I notified XXXX that under 15 U.S. Code 1681b - Permissable Purpose of consumer reports ( A ) In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other ( B ) in accordance with the written instructions of the consumer to whom it relates That I XXXX XXXX never have XXXX  or Equifax any written consent to report anything on my consumer report, no consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding a deletion of these accounts US DEP ED account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX  removed US DEP ED account XXXX XXXX but is still reporting XXXX XXXX account # XXXX XXXX XXXX account # XXXX And Equifax has yet to remove either all accounts listed in this complaint
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/22 I received a email saying my XXXX  Account has been permanently suspended for some type of fraud activty I have no clue about also my full account balance is still on the account in the amount of {$2700.00} that came from my college funds that I need to pay for my courses
Consumer complaint received 2021-12-20
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)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-12-03
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$86.00}, XXXX XXXX XXXXXXXX Inquiry Date XX/XX/2020 These items are reporting on my personal credit file with ( XXXX/ExperianXXXX ) credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (NC)

Called Company, Disclosed to them I had disputed this account once before when it was with XXXX XXXX XXXX XXXX, first reported in XXXX of XXXX in the amount of {$320.00}, disputed in XXXX of XXXX, XXXX XXXX XXXX XXXX could not provide the required information in order to validate the account, which I had disputed. 

Later XXXX  sold the account to MRS Associates, in the amount of {$320.00}. This is the same debt with the original Debtor of XXXX. I am in the process of buying a home and this is detrimental to the home buying process already in contract to close in XXXX. 

I contacted MRS Associates about this account on XX/XX/XXXX when I contacted them I provided them with my personal details and the last 3 addresses in which I lived at. The lady on the phone said none of the accounts associated with my First and Last Name matched any addresses I lived at in the last 3 years. I instructed her that this means they are reporting an account on my credit that is not valid and it needed to be removed. She stated " there is nothing I can do on this end without an account number ''. I provided this individual with my full SSN to verify any debts. She could not verify that the debt was valid to me and had no evidence. This is the second time I have disputed the same debt with a different debt collector for the same company.
Consumer complaint received 2022-02-22
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-06-11
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. (FL)

I found accounts in my credit profile that are not mine. Also I found unknown inquires. I am very sad due to this fraud. They are fake accounts and do not belong to me. What to do? I can not move on at all now, could you please investigate and after you finish delete them and report Identity theft?
Consumer complaint received 2019-11-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (FL)

The company in question is Deville Asset management. The account was purchased from XXXX XXXX on XX/XX/XXXX. The original account was opened opened on XX/XX/XXXX with XXXX XXXX and I became delinquent in XX/XX/XXXX. ( last partial payment made ). I received a letter dated for XX/XX/XXXX stating the vehicle would be sold in a private sale after XX/XX/XXXX and a second letter dated for XX/XX/XXXX advising the vehicle has been sold in private sale. 
Deville Assest Management has the account listed on my credit report as opened on XX/XX/XXXX and reporting monthly. The collection agency is illegally re-aging the account listed showing the account first date of delinquent 3 years after the true date. And they continue reporting monthly although the 5 year limit in collections efforts have expired. I have disputed the account several times due to them Being unable to verify information. The account removed/deleted from all 3 credit bureaus due to the collection agency being unable to verify the information. However, after the account was deleted from XXXX  the collection agency re-list the account on my credit report.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

My student loans are with Navient. I have been trying to apply for the NHSC loan repayment program. Navient will not provide me with proof that I applied prior NHSC funds to the loans. Last spring I requested ( of Navient ) a printout of all payments that I made on my student loan starting in 2010. They did not submit this to me. I missed the deadline, and was not able to submit the application.

This spring, I am trying again to apply for NHSC loan repayment. Again, I put my request in writing to Navient, specifically stating that I need a printout of all payments made on my student loans from 2010 to present. I need this on Navient letterhead, with dates the payments were made, etc. They continue to refuse this. In response, they sent out a notice of how my payments are applied. I am concerned that Navient 's negligence and failure to document my payments will ( once again ) result in me being ineligible to apply for NHSC.