davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

XXXX  report an inquiry in my credit report from XX/XX/year> by XXXX XXXX XXXX. I have no knowledge of authorizing this inquiry, neither or have an account with this company.
Consumer complaint received 2017-07-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MI)

I have been having a problems with bayview loan servicing before the year 2013.They always say that my payments are late and charging me a late fee even when I send my payments 2 or 3 weeks ahead of my due date. They have been holding my escrow going on 3 years, bayview sends me letters two or three times a month saying my mortgage is in default even though my payments are on time, they send alot of threating letters saying I 'm 3 months behind on my mortgage.They robo call me over seven times every day even after XXXX in the XXXX and on weekends.Bayview saids that I owe them over {$700.00} which I dispute in late fees, because they always make my payments late.I feel that I 'm being taking advantage of because I am a senior citizen. bayview Ioan servicing, LLC XXXX XXXX De XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Incorrect addresses, incorrect amounts, collection companies harassment and threatening to sue after they bought my collections, reporting in my credit report without authorization, incorrect names, non removal of student loans, collections, medical bills from my credit report and overly use of fraud with my credit union.
Consumer complaint received 2021-02-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: OLD NATIONAL BANCORP (IL)

On XX/XX/20 I made a deposit of XXXX XXXX XXXX. I was give a receipt that totals XXXX. In the next few day I told the manager he said they would look in to it. After a few more days I returned to speak with the manager he instructed me to file a police report which I did. After waiting and hearing nothing I contacted the police and was told they couldn't help me. I send a registered letter to the bank and was told they couldn't help me I asked to see video tapes and they refused. My bank is Old National Bank in XXXX Illinois
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My compaint is against XXXX, TransUnion, and XXXX. They are all still reporting a derogatory tradeline under my consumer reports after the creditor agreed to delete the tradeline from my social security number. 

In addition to this, XXXX, TransUnion, and XXXX are reporting conflicting info on the alleged loan balance. 

XXXX and TransUnion are reporting an open negative tradeline from XXXX XXXX Bank with a {$18000.00} balance. XXXX is reporting an open negative tradeline from XXXX with a balance of {$19000.00}. 

The payment status is also inconsistent between these three credit bureaus. What is going on here???? I am again asking them to delete the tradeline they are reporting for this company. They should no longer be reporting something that even the creditor has requested them to delete. 

If XXXX, TransUnion, and XXXX fails to delete the tradeline, I will be seeking {$1000.00} per violation and they will have to show up to a venue local to me to defend themselves for violating the FCRA.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (CA)

I received a letter on XX/XX/2021 from American Coradius International LLC stating that I owed XXXX XXXX a debt of {$1200.00}. I have never made a purchase of this amount using XXXX and I need this to be disputed. I do not have a XXXX account and I have never made one before.
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I checked my credit after being denied multiple times for a new auto loan. I noticed an account for ARS ACCOUNT RESOLUTION in the amount of {$96.00} with the ORIGINAL CREDITOR as XXXX XXXX XXXX XXXX XXXX. First, this debt is a violation of HIPPA rights, as I did not sign a release to have my medical records, including costs, shared with any outside agency. Second, I never received any correspondence from the medical facility or the doctor after my care as I made sure they knew that I was indigent and had no income. Third, I have a right to be notified with proper instructions on how to dispute, according to the Fair Debt Reporting Act.
Consumer complaint received 2022-09-08
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. (NJ)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2017-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

Navient. I have been trying to get my co signer off my loan. Its been over 10 years since I graduated from school. I should n't need a co signer at age XXXX. They keep giving me different reason not to release my co signer. First time it was i did n't make enough, which was false. I sent in pay check stubs to prove it. Then i sent it in again and this time they came back that me credit report from XXXX says that I have ( serious delinquency, public record, collections on file, time since derogatory public record, collection to short ). Only thing I had was a credit card with XXXX XXXX with some late payments years ago and is one of the reasons. Navient give me XXXX number to call them if I did n't think this was correct and to tell them. Well I called them and they did n't see any of this. My credit is great. I have put in another complaint with Navient and they are supposed to call me. They did n't call me on the first complaint I put in on this. hope they do and the second. I feel they are holding me back with false info to keep my co signer on my account.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

The Bank opened a Walmart credit card and issued credit without any financial background check. This reckless credit issuance has resulted in my having to lock my credit and basically have no credit for the next sixty day. 
The bank should not issue immediate credit but only mail the credit card after contacting the correct person and them mail the card. 
I received the credit card by mail with a balance that was already fully used. only {$18.00} left. 
XXXX XXXX XXXX, Florida Fraudulent Card Issue in XXXX 2017.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Removing security freeze. Both online and phone systems for Experian malfunctioning. 

Also failed to process {$5.00} payment submitted during course of failed online processing which referred to nonfunctioning phone # to resolve
Consumer complaint received 2018-03-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (GA)

In XX/XX/XXXX, I emailed GM Financials support email several weeks before my payment due date of XX/XX/XXXX to request that my Auto Pay authorization be revoked. 4 days before the due date, I logged on to check my account amd my auto pay stilled showed as active, so I called in to check on it and revoke authorization. I was told that they would put in a rush request, but they could not guarantee it would get processed in time because now we were too close to the due date, but that at the latest, it would be processed for the following month ( XX/XX/XXXX ). Unfortunately, my XX/XX/XXXX payment processed and caused a lot of havoc with my bank account and other payments that were due. I called in again and was assured that my revocation would be in place for XX/XX/XXXX. This morning I woke To a notification from my bank that GM financial had processed my XX/XX/XXXX payment. Again, this wreaked havoc on my bank account and other payments that were due. I have called in again and have again been assured that it would be canceled for XX/XX/XXXX, and while I requested restitution for bank fees and other financial impact caused by these auto drafts, none were offered. GM financial should be penalized for twice auto drafting from my account without authorization.
Consumer complaint received 2017-07-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Step 1 : What is this complaint about?
1 ) Failure to communicate 2 ) Failure to provide monthly statements 3 ) Only Option provided, Deed in Lieu of Foreclosure Step 2 : What type of problem are you having?
Understanding why Account Audits are declined Understanding why there are so many different pay-off amounts Understanding why Wells Fargos ultimate goal is to create homeless veterans Step 3 : What happened?
Filed Ch XXXX to strip 150K Equity Line that Wells Fargo deposited into my account without consent. During the Plan Well Fargo petitioned to have pre-petition arrears paid. I agreed because I wanted to do the right thing and whatever I could to keep my home. It was at this point my Bankruptcy Payment tripled, I was no longer receiving statements nor would Wells Fargo answer any questions, only to 1 ) Refer me to their attorney in Alabama [ I think ] and I advised my attorney, 2 ) I 'm no longer eligible for a monthly statement due to bankruptcy.
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It was at this point [ XXXX 2016 ] that I discovered that Wells Fargo would only send statements to my attorney and he didnt know they refused to speak to me or send me statements. It took several months to convince Wells Fargo that I should be received a statement. Only after we decided to go back to court, that I personally started receiving statements. This was when I discovered that I had accumulated are large arrears.
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Step 4 : What company is this complaint about?
Wells Fargo Home Loans Step 5 : Who are the people involved?
My Representatives that are trying their best to help me keep my home XXXX XXXX, Bankruptcy Attorney XXXX XXXX, Mortgage Professional [ 40+ yrs exp ] XXXX XXXX , Real Estate Professional [ My advisor for 20+ yrs ] Wells Fargo many & various, currently XXXX XXXX XXXX ext XXXX. Normally hang up after 15 rings but when I can leave repeated messages they have proven futile.
Consumer complaint received 2022-09-08
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, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX  Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX
Consumer complaint received 2017-11-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY (VA)

I applied for a Loan with Wells Fargo and was issued a Rejection Letter on the grounds the Load Department ( underwriter ) had no copy of my Credit Report and yet another Letter, printed a day before the Rejection Letter, clearly indicated a Credit Report was pulled the day prior, which Credit Report obviously was not matched up with the Loan Department. My credit is " excellent '' per the Three Bureau Reporting agencies provided by XXXX ( no collection, high score, no late payments, no judgement, exc, all directed to a good solid Credit History as far back as the records record ). 
A request for reconsideration on these grounds was issued to the Branch, but as to date, no answer. I am XXXX XXXX XXXX next XXXX.
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

I have been receiving at least 10 phone calls a day from XXXX XXXX at XXXX for the past month and a half. I have had to block them and they still keep attempting to get through. I also have written to HSBC numerous times to advise that they contact me via correspondence. They keep telling me that I have to call XXXX. I keep telling them to address me via email or written correspondence and that I do not answer telephone calls, please stop. We are going in circles and the telephone keeps ringing and has become intolerable
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo keeps wrongly applying nsf fees to my acct. A problem for which they have been sued for before. Prior to their lawsuit, I never had a problem but since their lawsuit I always do. My balance on my end reports that I have funds available. So I make my purchases accordingly. If something comes thru and my acct is negative, the allow us time and send texts to correct the problem before applying nsf. That happened recently and it only happens when my acct is low. If I have money in my acct they let items pend for at least XXXX  days like they are waiting for an oppty. But on my side I get the alert, it corrects and NEVER shows my acct as negative bit always having money and positive. But the next day the give me nsfs on fees paid when my balance is positive. I never see the negative balance and if they alert me I rectify it immediately. But then they apply nsfs. I always have to call in and argue for them to reverse it, and they do but they say it's night time processing. How the XXXX do I know what is going on at night and if you tell me my balance is positive how do I know to fix it. Additionally, why when I have money do you let a list of XXXX transactions pend for almost a week! This is very shady because they are not providing me the appropriate information nor honoring me transferring money in my acct. It just seems like they picked new victims. I'm sick of this. They never honor the rewind policy they have.
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I am requesting late fees in the amount of {$52.00} to be refunded back to me. I tried getting the fee back through XXXX XXXX ( XXXX XXXX XXXX Reward Credit Card ) and they will not refund the fees. I placed a complaint with the XXXX  and a rep from XXXX XXXX called, XXXX XXXX # XXXX just to tell me that she will not refund any money back to me. I would like my money back.
Consumer complaint received 2020-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Got an Experian alert and saw that my XXXX score had decreased by XXXX points after it had increased by XXXX points XXXX from XXXX to XXXX XXXX. Since I have done absolutely nothing to cause this decrease and have actually done everything right, i called. Well. Theyre not helpful. XXXX on behalf of Experian says theres nothing they can do. So the decrease was capricious on the part of Experian and Im not supposed to know what caused it. The boost is an illusion and yet another scam. These credit bureaus have too much power on the lives of consumers and they do what they want. There should be a way to dispute this mysterious activity without spending hours trying to find a phone number to call and then get a shuffle of responsibility. Middle of a pandemic and theyre sitting like vultures in on it with the greedy banks ready to descend upon you and your future and eat you alive preferably.
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MI)

This relates to Complaints # XXXX which has been closed. 

Equifax took my application online to subscribe to their XXXX XXXX credit monitoring service today ( XX/XX/17 ). After entering my information, Equifax sent me a XXXX   XXXX one time passcode to enter into their system. Upon entering this Passcode, I received the following message : System Unavailable We are unable to process your request at this time. Please try again soon. 
This is the identical message I have been receiving for the past three weeks, and which caused me to submit my complaint. 
Equifax has not corrected this problem, and has not provide the credit monitoring series promised as a result of their security breach.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

American Express suddenly canceled my credit card. I was a member since XXXX. I had XXXX membership rewards points at the time they canceled my card. I tried to dispute the cancellation but got nowhere. 
Now I am trying to get my XXXX points I legally earned while using their card. I have not been given any reason for the cancellation or for them not giving me my membership rewards points. 
This is unfair and I want to resolve this matter.
Consumer complaint received 2024-02-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NATIONS DIRECT MORTGAGE, LLC (GA)

The mortgage company approved me for the forearance program due to covid then they report the late payments to the credit report I have now payed my mortgage off so now i would like the late payments to be removed useing code 15usc 1666B.. Thank you, XXXX XXXX
Consumer complaint received 2021-02-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC (TX)

American Credit Acceptance - received a payoff for {$41000.00} good through XX/XX/XXXX per payoff quote from XXXX XXXX XXXX. Per XXXX  tracking payoff was received on XX/XX/XXXX.Payoff applied to my account on XXXX showed {$0.00} balance paid in full. On XX/XX/XXXX American Credit Acceptance received my gap refund which is owed in full to me but instead the reversed the payoff on XX/XX/XXXX and reapplied tacking on interest. I was alerted to this because my credit reporting showed a balance of {$67.00} which was not accurate as the loan was paid in full. They sent me a check for {$500.00}. They then cleared off the {$67.00} balance that was not owed to them, no showing {$0.00} balance again the next day. But they have failed to refund me {$67.00}. The initial Gap refund was {$570.00}. Since XX/XX/XXXX I have contacted this company multiple times via chat and calls and they claim someone is working on it. I have exhausted the attempts as there has been no resolution. They do not call or communicate via mail to provide a status. This should not be hard to refund money owed when all evidence shows they reversed the payoff 3 weeks later in order to scam there way in tacking on extra interest to the loan. Also to note during my loan with this company prior I had an issue with them applying my principal only payments to interest, confronted them over the phone and transfers multiple times and they claimed I could not make principal only payments. This company is a scam, if my account is paid ahead and current principal payments are allowed which finally they corrected that issue prior.
Consumer complaint received 2017-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My brother and i have massive issue with our e-wallet provider Coinbase. Since XXXX weeks i try to contact the XXXX support team, but it 's unsuccessful. I try the support requests, i try to contact them in social media, i try to call them. Nothing, i never got any answers. Meanwhile we searching for XXXX that we had deposit via bank transfer. 

I do n't know what we should do now. Please, con you help me. 

Thank you