davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
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. (WY)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX and that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-06-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (OH)

i filed a complaint with the cfpb regarding shellpoint mortgage servicing ... yesterday I was told by shellpoint that my loan was with underwriting and they would not give me a loan modification until I " lifted '' my complaint against them I placed with the cfpb ... is this fair? ... im not allowed to seek council from an agency that protects customers..and ask that they supervise whats going on? ... I don't think they are legally allowed to deny me a modification unless I cancel my complaint.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. ()

XXXX REPORTED TO EXPERIAN AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

XXXX REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET XXXX IS REPORTING OTHERWISE.
Consumer complaint received 2018-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (CA)

On XX/XX/XXXX, we got a mortgage for {$530000.00} on a fixer upper house, and now that work is done the house is appraised at {$730000.00}, according to a XX/XX/XXXX appraisal that was ordered by Movement mortgage, paid for by a {$420.00} check that I wrote to Movement ( appraisal cover page attached ). Our current principle balance on this house as of XX/XX/XXXX is {$530000.00}. In a letter dated XX/XX/XXXX, sent to me by movement mortgage, I was told that I could apply for a two year seasoning waiver if substantial work was done on my property, which it was. This letter can be seen in the attached document. Despite me jumping through all the hoops to get this PMI removed, Movement still wants to charge me the $ XXXX/month for PMI. This can be seen in the attached letter dated XX/XX/XXXX. I have made multiple attempts to get it removed Movement still wants to scam me out of nearly {$150.00} A month for mortgage insurance I don't need. It is even more insulting that in addition to the $ XXXX/month that I am paying, I also had to pay {$420.00} for an appraisal that up to this point has been completely useless. My LTV is 73 % so there is no reason I should have this extra expense besides the incompetency of Movement. Every day this goes on is {$5.00} out of my pocket, which is why it has been so frustrating that Movement refuses to do the right, correct, thing with this.
Consumer complaint received 2020-10-20
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. (NY)

I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.
Consumer complaint received 2020-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am writing to formally contest the unfair determination, denying my multiple applications for the Public Service Student Loan Forgiveness Program program. I have worked in public service continuously for my entire career and have been paying on my student loans since XXXX. I was denied this last time due to an issue that could be rectified immediately with a public EIN search. There are extensive notes and annotations on my account explaining the situation that I have been put through by this incredibly poorly managed federal program. 

When I submitted the initial application in XXXX, my application was denied and I was also denied the Temporary Public Service Student Loan Forgiveness Program because my payments were not considered qualifying. I was put in an appropriate payment plan, which I was told that if I paid for an entire year, I would be eligible again once that year was up. I submitted my forms again at the conclusion of the qualifying payment term and my current application, which is perfectly acceptable, has now been denied repeatedly for completely unfounded reasons. 

The most recent denial has happened after spending hours on the phone with representatives and following all explicit instructions on how to fix the issue. I was told that I needed to submit an explanation why the EIN from my employer is different on the form submitted in XXXX, which I did in writing via the website. I qualify for this program and yet have been repeatedly denied.
Consumer complaint received 2019-05-15
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: Experian Information Solutions Inc. (CA)

RE : Hard Inquiry/Unverifiable on my behave. I recently checked my credit reports with Experian, XXXX, XXXX. I have Two Hard Inquiry from company : XXXX XXXX Hard Inquiry done XX/XX/2017 and XX/XX/2017. 
XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX. I have not yet received any return correspondence, at All.From neither companies.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I was unaware I had a balance due for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remove the late payments on my report with Comenity Bank/XXXX.
Consumer complaint received 2018-06-12
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: ALLY FINANCIAL INC. (FL)

I went to XXXX located in XXXX, XXXX. Saturday XX/XX/XXXX between XXXX-XXXX XXXX and I gave XXXX permission to access my credit report and try to obtain financing. I did not give permission to : ALLY FINANCIAL XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

I received a phone call on or about XXXX XXXX, 2015 around XXXX from Diversified Consultants about an alleged XXXX bill. I told them that I have no knowledge and further communications with me need to be written and sent through the US Mail. 

I received a collection letter from Diversified Consultants on XXXX XXXX, 2015 that was dated XXXX XXXX, 2015. 

I sent a validation letter to Diversified Consultants on XXXX XXXX, 2015 via certified mail, return receipt. It was received on XXXX XXXX, 2015. 

I was notified that a collection account was added to my consumer credit reports today by my credit monitoring service. When I looked, it was back dated XXXX XXXX, 2015. 

They are willfully violating Section 809 of the FDCPA and I fully intend to seek relief and monetary damages under the above mentioned statute.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Avant Credit Corporation (WV)

AVANT REPORTED TO XXXX AND OTHER CREDIT AGENCIES THAT THE LOAN IS OPEN AND NOT PAID. 
THIS LOAN IS IN COLLECTIONS WITH XXXX - AND IT WAS PAID AND SETTLED TO THIS DEBT COLLECTOR - YET AVANT IS REPORTING OTHERWISE.
Consumer complaint received 2019-05-15
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (VA)

The loan was issued to someone else fraudulently with my information. I tried on numerous occasion to get them to investigate the issue and send me the report to file a police report but they claimed that they did however, it was never received. The loan was taken out during my XXXX overseas
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (DE)

Executive Response Unit XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Citi Bank, I'm writing and inquiring the recent closure of my Citi Bank Credit Cards. On XX/XX/2019 I found that all my Citi Bank Credit Cards were closed for unknown reasons. For your information, card # XXXX XXXX XXXX XXXX. 
I have been Citi Bank customers for over 10+ years and never made a late payment. My Credit Scores are 800+. I would like to understand the reasons that have triggered closure of all my credit cards. I believe this must have been mistake on Citi 's end, and would need Citi to rectify this error immediately.

I demand Citi to issue me all my un-redeem cash back immediately. I also request Citi to re-evaluate my closure. 
I thank you for your time and reconsideration and I hope to hear back from you soon. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

For the months starting XXXX, of 2024, I made a payment of {$70.00} to Capital one Bank, from my Debit card which I transferred the money to pay the monthly minimum for my Platinum card. The bank sent me an email advising me that the payment was not received, and that I would be charged a {$40.00} late fee. I explained that My card was never declined since, I had enough funds for making the payment. I explained them numerous times that I was a XXXX at their bank for XXXX yrs. and never had to pay a late fee but once last year. I ended up paying an additional {$70.00}! In addition to that, the exact same thing happened for the month of XXXX, ( which was from yet another debit card ) At this time, the {$40.00} late fee wasn't waived. From the balance I had on this very same Platinum card, the cash balance on the card amount is now {$0.00}. in each case funds was transferred from one of my debit cards, which I have 2, Debit cards all from Capital One. I asked for an investigation because, the matter seemed Fraudulent. The only advice that I received after several frustrating attempts to resolve this is that I owed a XXXX XXXX monthly payment That I would have to pay what is owed.
Consumer complaint received 2020-10-20
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. (NY)

I am writing because one company placed a mark on my credit report which I wish to dispute. Please let me know how I owe you money since I have never heard of your company before. I dont recognize this debt and even if I do owe it, I certainly dont owe this much. There must be some kind of error in your calculations. Please provide me with proof that I owe this debt and who owns the debt that you say that I owe. 
I demand that you contact the credit bureaus and let them know that I dispute this debt. I hereby insist that you stop all attempts to contact me by telephone. Also, send me copies of what you send to the bureaus when you notify them that I disputed this debt.
Consumer complaint received 2020-04-09
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. (CA)

I received a bill on XX/XX/2017 from " XXXX XXXX '' for the amount of {$310.00}, a loan that I did not request or receive money for. This is identify theft. I reached out to this company directly, filed a police report in XXXX County ( where the address used/mail was received ), and did not hear anything back until recently wherein my credit score is now affected by " XXXX XXXX XXXX XXXX '' regarding this loan now being in collections. 
I have filed numerous complaints online, including identitytheft.gov, with no response.
Consumer complaint received 2024-03-13
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: DISCOVER BANK (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Today XXXX I attempted to deposit 2 checks into my usaa checking account via the mobile app. I was shocked as for the first time ever USAA is only allowing me to deposit {$1000.00}. I called in to speak to someone wasting tons of time out of my day only to find out they did not know the reason as to why. The Represenative said that she could only raise my daily deposit limit to {$2500.00}, which is pure garbage. Additionally, USAA is now only allowing me to withdraw {$600.00} per day from my checking account, which is also pure garbage. I feel very alienated by USAA. I am requesting that the CFPB investigate this matter. I do not want USAA to call me on the phone as I am represented by an attorney. Any phone calls will result in an instant filing. In the event USAA does call me I do not want to be recorded at all.
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (TX)

I have received several phone calls from what has appeared to be local numbers. No Caller ID was ever provided, and attempts to call back come back with disconnected numbers. At XXXX XXXX today, XX/XX/2019, I was finally able to answer a call live, and a representative from Credit Corp Solutions asked for a person other than myself. I repeatedly asked her to please remove my number, and she claimed that she did after basically arguing with me. At XXXX XXXX I received another call from a local number that I missed. At XXXX XXXX, i received yet another call from the SAME company. Credit Corp Solutions was advised to not contact a 3rd party ( myself ) again, and did so not once but twice. I spoke with a supervisor there - named XXXX, who assured me that my number was removed, but could not explain why I received two more calls. 
In reviewing your database of complaints, it appears that this company does this repeatedly to consumers. 
They have over 100 complaints filed against them.
Consumer complaint received 2018-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

As a Wells Fargo Customer I deposited check on XX/XX/XXXXand a check on XX/XX/XXXX. The deposits where very similar to usual and customary. Wells Fargo gave me a deposit receipt showing funds available on XX/XX/XXXX andXX/XX/XXXX. Wells Fargo received funds from the depositary institute onXX/XX/XXXX, and XX/XX/XXXX WELLS FARGO HELD MY MONEY FOR 10 DAYS AND CHARGED ME {$170.00} OF OVERDRAFT FEES.

Wells Fargo placed a 8 day hold on one the check deposited XX/XX/XXXX, Wells Fargo put a 10 day hold on the check deposited XX/XX/XXXX. I called the XXXX on XXXX, and spoke to a representative that said they would follow up with the Branch that accepted the deposit. No Follow up! I called the XXXX number as a follow up on XX/XX/XXXX. After receiving incorrect information from XXXX. XXXX gave me incorrect information about Wells Fargo policy. She ten transferred me to XXXX XXXX her supervisor. XXXX then bridged a call with branch assistant manager XXXX XXXX After 2 calls with XXXX she hung up on me.

I had to call back to speak to XXXX, the branch manager. XXXX promised to call the back office holding the deposits. She did not follow up and did not call back.

Each Wells Fargo representative communicated that Wells Fargo did not have the money from the depositary institute.

MY DEPOSITARY INSTITUTION PAID THE CHECKS ON XX/XX/XXXX AND XX/XX/XXXX.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

In accordance with the Fair Credit Reporting act all accounts listed with this consumer reporting agency " LEXIS NEXIS '' has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Lexis Nexis XXXX XXXX XXXX has violated my rights. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
I have reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. Lexis Nexis assumed this role without permission not only that they did not have my consent. Lexis Nexis did not respect my right to privacy which is under 15 USC 1681 a number 4. Lexis Nexis did not exercise grave responsibility, they were unfair, they were partial. Im taken the liberty to file a CFPB report and an attorney general 's complaint. Lexis Nexis never had permissible purpose Under 1681 b number 2. I never instructed those guys to furnish this report and I never consented to this report in the first place. 

Attached are Denial Letters from XXXX & XXXX both of which denied me access to my credit report after submitting all necessary documents. After years of failed attempts, failed phone calls its time to be treated fairly and not unfairly
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KS)

Experian is listing I owe XXXX when they have been paid, and the XXXX and XXXX accounts are preventing me from obtaining a car loan.
Consumer complaint received 2019-05-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/2016, my car was stolen, and later was involved in a wreck by the person who stole the car. The police refused to file a police report, which made insurance not pay to either repair or total the car out. The shop stated the car was a complete loss. I attempted to tell Capital One the issue, and they were of no assistance. They went to the auto body shop and repossessed the vehicle. I informed them that I was waiting for a police report from the XXXX Police Department, which was never done because they were trying to blame my husband as the one who  wrecked the car, even going as far as locking him up for eight months before he was finally acquitted of any wrongdoing, and I still was never given a police report. Since I did not receive a police report, insurance refused to pay, but before I could appeal the decision to the insurance company, Capital One Auto Finance had repossessed my vehicle, wrongly repossessed it might I add. Capital One even said the car was a total loss and sold it for parts. I also contacted the credit reporting bureaus informing them of the issue, and also asked them to verify the account, provide the original contract, all that is outlined in section 609 of the FCRA. None of the bureaus ever provided me with that nor did they provide me with the person at Capital One Auto Finance that they spoke with. This is my final attempt before I seek civil litigation.