davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2023-09-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALCHRO INC. (MD)

In May a debt I had for a medical service I received last year was sent to collections. 
I began making payment relatively soon thereafter, eventually landing on $ XXXX towards the {$1300.00} debt. 

As I was making payments, right after a month where I had actually made two payments, they added the report to collections on my credit. I was under the impression that the debt was being paid so it would not go to collections. 

I believe that paying off the debt on the payment plan should have prevented me it from going on my credit report. Moreover, I should have received notice before it went on my credit report. I received nothing. 

During the whole process, I received limited communication from this business and it was not made clear to me that I was imminently going to have this reported to my credit.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NC)

My name is XXXX XXXX and I 'm a XXXX year old XXXX living in XXXX XXXX, North Carolina. I would like to file a complaint against Navient/XXXX in regards to maximizing their profits for purely they 're own interest instead of providing better financing options and counseling and helping me payoff a loan I took out in XXXX as a young XXXX year old. Instead it ballooned to XXXX! Originally loan amount was XXXX. I 've never missed one payment over 12 years and always paid on time. Check my credit score. I often waited on the phone for hours to speak to customer service reps who I could not understand clearly and would transfer me around constantly cause they could not answer my questions. 

I have every email, letter, and bill filed away. I now have constant XXXX as it seems I 'm only working for a loan I took out 12 years ago. It 's hard as a small business owner to invest and make any improvements when you can not pay off a loan principal even after 12 years. 

Large Capitalized Interest Fees were added on frequently during XXXX. Hmmm. Interesting timing. I also had to take out a separate second loan called a XXXX XXXX XXXX ( XXXX XXXX XXXX as well ) when I enrolled in a XXXX college in XXXX, Ohio in XXXX. I 'm just about to finally pay it off and the original balance was for XXXX. 

When applying for these loans ... a child could complete the application and be approved. When I needed help because I lost my job, or could not find work due to the housing crisis and poor economy I still made every payment on time. This loan might literally be the death of me! 

XXXX XXXX XXXX
Consumer complaint received 2019-06-26
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. (FL)

XXXX and Transunion are reporting incorrectly 30 days past due on the XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Consumer complaint received 2017-01-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Our client, XXXX XXXX XXXX submitted a loan modification on XXXX XXXX, XXXX. Proof of same attached. Her sale date was not until XXXX XXXX, XXXX. After cooperating with Ditech and opposing counsel with the clarification and ongoing submission of documentation, along with filing a motion on XXXX XXXX, XXXX ( Emergency Motion to Cancel the Sale ) based on CFPB guidelines, we finally got opposing counsel to confirm the file was facially complete and sent an agreed order cancelling the sale to Judge XXXX on XXXX XXXX, XXXX. Unfortunately, XXXX XXXX did not receive the order and the sale went through. We then filed our objection to sale on the basis that there was a pending loan modification review AND that we had oppossing counsel 's agreement on XXXX XXXX, XXXX. We had a hearing on our objection on XXXX XXXX, XXXX. Opposing counsel lied to the Judge that we did not file a motion to attempt to cancel or stay the sale ( we did on XXXX XXXX, XXXX ) and opposing counsel lied and indicated they did not have all the documentation necessary ( which they did and confirmed via email re : same and attached ). Opposing counsel also indicated to the Judge that our client was NOT on the mortgage when in fact she was. The XXXX did not weigh in our favor and his decision was based upon incorrect information. As a result, our client is being threatened by the new owner when we are in the process of filing a motion for rehearing because the Judge did not have the proper facts to make an informed, fair decision. We ask for your help in that we need this opportunity and support so to file a motion for rehearing and have the certificate of title vacated as all was done as a result of incorrect information. I have attached emails in support.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Credit & Finance, Inc. (IL)

XX/XX/XXXX18, Atlantic credit and finance contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.
Consumer complaint received 2023-05-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-08-18
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. (MS)

XXXX, XXXX and TransUnion the credit companies are all reporting inaccurate in my credit report. 15 US Code 1681i ( 5 ) states that removal of Inaccurate/ invalidated credit information. I have sent letters to all three credit companies and have not gotten a response in 30 days. They are reporting late payments on my credit report without my consent. 15 US Code 1681a states that this is a law, and it should be removed.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (NV)

Filed a previous Complaint to the CFPB Submitted to the CFPB on XX/XX/2023 XXXX Closed I received the information in regards to XXXX XXXX in their response is very clear the USBank needs to contact XXXX XXXX to start the process. I was to contact USBank directly and I had 4 deaths in my family last month leaving a Notarize letter to USBank so they could start the retract the payment process for help in recovering my funds in the amount of {$13000.00}. This has been horrible but I also want to point out where they keep talking about the Account holder at XXXXXXXX XXXX had previously contacted me when he discovered I was the person who by no harm intended put that money in his Bank Account. XXXX XXXX had called me got on a FDCP Record line with me and him on the phone I want to say that first call was on XX/XX/2023 with a Male Agent who I did first that it was XXXX XXXX he was speaking to. After the Agent verified the XXXXXXXX XXXX  Account was XXXX XXXX then gave permission to that Agent to speak with XXXX XXXX and I asked about the payment and the Agent stated the money was still at XXXX XXXXXXXX on a Bank Hold Freeze and then XXXX XXXX of course upset stated he didnt know me and had no clue why I be sending him {$13000.00} and reported it to XXXX XXXX as Fraud only to discover it was not and told the Agent to give the money back to XXXX XXXX because he was not taking the money and XXXX XXXX had Closed his bank account over this unfortunate situation. XXXX gave XXXXXXXX XXXX  the permission to speak with me and I spoke to Supervisors at XXXXXXXX XXXX without XXXX XXXX nod even the line stated the payment was still sitting at XXXXXXXX XXXX and I needed to get USBank to help assist me with retracing the payment. I went to USBank countless times and one time one Customer Service Rep XXXX went to go and get the paper work for me to fill out when the XXXX Manager stopped him and my point is USBank not one time even attempted to help assist me in retracting the payment process and I even spoke to a few Supervisors at USBank explained the difficulties I was having within the Bank and was told on several attempts to go to the same Bank tell them what they stated and it was one XXXX Female USBank Manager told me to go to The Police Department and the other XXXX Manager stated thats the Banks policy and procedure XXXX XXXX this was on the last conversation and she said well I guess you will just have to take us to Court. She made this statement to me on or about XX/XX/2023. Im also seeking damages in the amount of {$50000.00}. Calling me a scammer is what the XXXX Manager at USBank stated to me the last time I was in the USBank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX and I had a male witness practically every time I went to the USBank this stuff is so not funny and I have been emotionally drained and distressed over it taking medication because of it.
Consumer complaint received 2017-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (CA)

I received notification about disputing this debt AFTER they had already placed it as a collection on my report. I was NEVER given time to send in my written dispute regarding this invalid debt. It was with another agency and the information could NOT be verified therefore it was removed from my reports. This company has FAILED to verify that I owe such debt.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Conduent Incorporated (OH)

I initially requested a replacement EPPIC card on XX/XX/2023 from XXXX 's XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. I did not receive the replacement card by XXXX XXXX so I requested another card. 

I never received the card requested on XXXX XXXX. The representative I spoke with suggested that the postal service may be at fault so I filed a complaint with us postal service regarding my mail delivery on XXXX XXXX. I also filed a request for us postal service to find my mail. 

I requested another replacement card on XX/XX/2023. This card never arrived. 
On XX/XX/2023 I called the service center and spoke to someone named XXXX and a supervisor named XXXX. I told XXXX I want to file a complaint against her company and ask that she reissue a replacement card. XXXX suggested that I temporary change my address to a XXXX XXXX XXXX somewhere else. I told her I have lived at this address for 18 years and never had trouble receiving my mail and that I will not change my address. 

As of today, I still have not received my replacement card.
Consumer complaint received 2019-06-26
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bayside Capital Services, LLC (FL)

This company called me and my x husband using skip tracing tools. A third party can not be called without them being listed as a reference and when I told them I didnt recognize the debt, they threatened to have me garnished even after I asked for information to prove the loan. They said I only had 24 hours to settled the debt, but how I settled debt Im not familiar with. The company threaded me that I Better not call again, and marked me as refusal to pay even though I didnt know what debt they spoke of. The manager XXXX spoke over me and refused to talk to me like a human.
Consumer complaint received 2018-04-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed a XXXX XXXX XXXX  complaint against Bank of America on XX/XX/2018. I disputed these accounts through XXXX  and XXXX XXXX XXXX. The accounts came back " verified '' with no attach proof. My filing with the XXXX   resulted in Bank of America producing paperwork of transactions that went on with these accounts. That is not what I requested. I specifically asked on the first line of my complaints for copy of the signatures used to open these accounts so I could compare them to my own. I have never opened accounts without providing my signature and my ID. So, Bank of America has completed ignored that request and produced a stack of irrelevant papers containing account transactions and refused to delete their damaging and incorrect reporting. According to the documents it seems no money is owed to Bank of America, but they have listed fraud next to my name in reports with XXXX XXXX XXXX and XXXX. If they are suspecting fraud, they should have no problems complying with my demand for validation of signatures and IDs used to open these accounts. I have a right to know whether or not they collected valid identifying information. It seems they are dancing around this and opened these account for someone and did not collect validating documentation.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (CA)

The company sezzle reported me to the credit bureau for late payments for a product that I ordered which affected my credit. They have canceled my order because I have not gotten the product that I ordered since XX/XX/2022. I have talked with them through live chat in their website sezzle.com and they kept telling me that they will give me a call which never happened. 

this is the order number from the company. This is the order that they reported me of having ( 1 ) late payment which again the ORDER got canceled because I have not received the products that I paid for. 
Order ID : XXXX
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been a Capital One card holder for a couple of years. I decided to take the steps to move cards around to obtain better rates and benefits earlier this year in XXXX. I initially went to Capital One to increase my credit line with the XXXX card and it was only increased {$100.00} with " no impact to my credit ''. I then tried to pre-qualify for a card and was subsequently denied. Again, it was advertised that there would be no impact to my credit. I eventually applied for a Quicksilver card and was approved. Because of the low benefits of the XXXX card, I elected to close that card. I determined a month or so ago that I needed a store card to help cover my daily purchases. I remember I received a mail-in offer for the Walmart Rewards MasterCard and the letter specifically mentioned that I would be considered for a Walmart store card if I wasn't able to get the credit card. Since I've been moving my credit cards around a lot lately, I decided to apply for the card, in hopes I'd get the store card rather than the MasterCard. I applied on Saturday XX/XX/XXXX and was subsequently denied due to the number of inquiries on my report, several of which were from Capital One. I applied on XX/XX/XXXX over the phone, after inquiring about an appeals process and was denied again. I asked to speak to a supervisor, who informed me that there is no appeals process and the process is just to reapply. I explained to her that this will continue to hurt my report, and I wanted to appeal because of my circumstances. She mentioned that anyone can continue to apply for a card as many times as possible, but no appeals process would be done. 

My complaint is that Capital One targeted an offer, even after my credit inquiries by Capital One and when I applied for said offer, it was denied because of my inquiries. This practice makes no sense and I believe this should be explored. The supervisor didn't offer to remove me from marketing offers and all she offered was to give feedback on the process. I understand that inquiries can make an impact, but what happens when inquiries from the company who claims that checking for offers won't hurt your credit, end up hurting your credit?
Consumer complaint received 2020-02-09
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: MAJR Financial Corp (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX  / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX  / XX/XX/XXXX XXXX XXXX to XX/XX/XXXX XXXX  / XXXX to XX/XX/XXXX XXXX  / XXXX  Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-10-19
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. (MD)

Per request, XXXX account was closed on XX/XX/XXXX. TransUnion and XXXX account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.
Consumer complaint received 2019-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MO)

I received an initial notice from Credit Collection Services Collections dated XX/XX/2019 advising me of a collection attempt due immediately. Nowhere on the notice did CCS indicate or imply I had the right to dispute the debt 30 days from receiving this initial notice. Despite the company 's noncompliance I responded with a request for validation of debt dated XX/XX/2019 ( which was in the allotted time I was advised of ) requesting agreement that bears my signature amongst other documents validating the alleged debt and this company was unable to provide me with any. In response to my letter they did provided me with a bill but no specifics. The blatant disregard to my request leads me to believe they are not taking this matter seriously and I am thinking of contacting a consumer attorney if my concerns aren't addressed expeditiously!
Consumer complaint received 2020-02-09
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX / XX/XX/XXXX XXXX / XX/XX/XXXX USDOE/GLELSI XXXX to XX/XX/XXXX XXXX / XXXX to XX/XX/XXXX XXXX / XXXX Missing I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.