davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
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. (AL)

Transunion Credit Bureau has hard hit inquiries from  XXXX   XXXX  on  XXXX   XXXX  and  XXXX ,  2015 . Hard hit inquiries from the same company must be at least 30 days apart. My credit report was charged with  XXXX  inquiries due to Transunion negligence. Again, on  XXXX   XXXX  and  XXXX ,  2015  and  XXXX   XXXX ,  2015 ,  XXXX  charged My Transunion Credit Report  XXXX  hard hit inquiries within a 30 day period.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/XXXX, I informed the loan provider that the property had delinquent taxes even though I had made all payments in full and in a timely manner to Escrow. 

Amount for XXXX : around {$8500.00} Amount for XXXX : around {$400.00} On XX/XX/XXXX, after multiple follow ups, the company told me they have investigated and see no issues at their end. 

The same day I explained to them where I was seeing the issue. The representative then mentioned that there seems to be an incorrect parcel number at their end so taxes are not being paid on time. 

I was told I will receive an update by XX/XX/XXXX. I did not receive any update. I followed up every day and was told I will get an update the next day, which never happened. 

Finally on XX/XX/XXXX, the amount was debited from my escrow account and I was provided a XXXX tracking number saying that the payment would be sent overnight to the county. 

The payment was never sent! 

Upon more follow ups, I was told the payment would get to the county by XX/XX/XXXX. On XX/XX/XXXX morning, I was told the payment went out that day. Today is XXXX XXXX - there is no update on the XXXX label or the county website and the money has been debited from Escrow. 

It is unbelievable the amount of work this has caused after making all payments on time. Completely irresponsible and unacceptable.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

Our company had it 's checking account with Capital One. We are an XXXX vendor and all of our deposits came electronically from XXXX XXXX every two weeks. All of our company purchases are made with company credit cards. The only disbursements we have made all year long are to paid credit card companies for our inventory purchases and fixed expenses. Today I tried to log into our Capital One Spark business checking account and I kept receiving error messages. I emailed customer service with the reference number and two hours later had still not received a response. I called Capital One and someone finally told me that Capital One " had decided to end the banking relationship '' without ever first notifying us or giving us any explanation. I demanded an explanation and was transferred to an account rep named XXXX. He claimed he had contacted the person or persons responsible for making the decision to close our account but he claimed that no one would give me an explanation why our account was closed without notice. He said our available funds were being mailed to us. When I demanded a tracking number for it he said it was sent via regular mail and no tracking number was available. We have deposits scheduled this week from XXXX as well as payments to our credit card companies and now have no way to pay our creditors until we get our funds from them as well as work out the rerouting of payments with XXXX. XXXX had verified that they have already sent this period 's payment and all we can hope for is that it bounces back to XXXX and Capital One has not decided to keep it or that it 's lost in cyberspace. <P/>XXXX XXXX XXXX, XXXX Capital One Account # XXXX
Consumer complaint received 2024-02-22
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: EQUIFAX, 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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-09-03
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. (IL)

Transunion is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy in there files. I sent the results of the investigation to Transunion on numerous occasions and they responded XX/XX/21, XXXXwith file # XXXX verified as accurate and NOt specified on XX/XX/21 file # XXXX from data furnisher. How can Transunion verify information that does not exist in there files, letters enclosed. Transunion seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending a computer generated response.
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

XX/XX/XXXX not g iven options on IBR and thus went into forbearance. This made my loan very large in sum.  <P/>  XX/XX/XXXX - XX/XX/XXXX  I discovered recently that whenever I have been paying EXTRA on the loan, Navient is automatically applying the payment to the loan with lowest amount or lowest interest and keeping the large sum loans with large interest amounts intact. This of course benefits Navient and NOT me. This was not disclosed to me at any point, until I started asking questions on how the payments are being applied.  <P/> This practice has put me back an amount I ca n't even measure.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2024-02-22
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: EQUIFAX, INC. (FL)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MD)

On XXXX XXXX, XXXX, I contacted Comenity bank concerning a collect, I had no knowledge of. They notified be despite this fraudulent account. It had been sold, to a debt buyer- XXXX XXXX. At this time I wrote them a letter. I sent all communications certified, so no response until XXXX/XXXX/XXXX. My request to remove this account, with the XXXX bureaus has been disputed on XXXX. There has been correspondence from the original creditor. Which I have attached- with no validation. This company has made no effort to correct this account. 

XXXX from XXXX states that company verified the collection by using my maiden name and social number. Both information that can be found my lost military id, or lost drivers license.
Consumer complaint received 2017-06-06
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: CITIBANK, N.A. (CA)

I have had an ongoing issue  with Macy 's credit. T hey claimed I was 30 days late twice. It was reported to the credit bureaus. I was completely unaware at the time that account was late and when I found out I paid the entire balance. The account had a low balance of around {$100.00} at the time and I have had an account in good standing for at least 15 years.  <P/> It is SO frustrating that so far I ca n't get this fixed. And so disappointing not to be listened to or taken seriously.  <P/> I placed m y Macy 's card onlin e on autopay in order to pay my bill automatically. I saved the screen and it said it showed the auto pay was supposed to be started. Apparently, unaware to me it did not work. I never received any notice that my payment was late, no calls, emails or bills. The first late was  XX/XX/XXXX - I had no IDEA WHATSOEVER THAT THIS WAS EVER LATE. Then on XX/XX/XXXX  I got a late mark on my credit report and was unaware due to thinking I had auto-pay on until I finally received a letter saying my payment was n't made at that time IMMEDIATELY I paid my bill.  <P/> I call ed Macy 's se veral times, they were unresponsive to me and routed me around to multiple people all telling me different things and treating me like I am making up a story or not being honest.  <P/> I tried to correct this by discussing this  with Macy 's credit, and the higher ups and they will not take any responsibility or show me any proof that they tried to contact  me and got through or that their auto-pay was working correctly.  <P/> Macy 's is unreliable and negligent with their customers, wo n't take responsibility for their disorganization! And then the customer pays the price for Macy 's errors!  <P/> I want these late marks on my credit removed.
Consumer complaint received 2020-05-28
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: Aldous & Associates, PLLC (AZ)

XX/XX/20 XXXX This account does not belong to me and has inaccurate information about me reporting to the bureaus and bureaus have not verified the information. I have asking for verification and validation of this account. The collection agency/lawyer replied back with inaccurate information.
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY (GA)

XX/XX/XXXX I went to my local Wells Fargo office and wired {$18000.00} to buy a car. I covered the wire by transferring {$7000.00} from my business checking ... XXXX to my personal checking ... XXXX and I wrote a convenience check # XXXX for {$12000.00} to be deposited to my personal checking acct ... XXXX and charged against my personal credit card ... XXXX which had a {$13000.00} limit and a balance of {$110.00} leaving an available credit amount of {$12.00}, XXXX. There was a 4 % fee of {$480.00} which would have left an available credit balance of {$400.00}. The wire transfer occurred without incident, but the convenience check was never charged to my personal credit card ... XXXX. As of XX/XX/XXXX, the available credit is still {$12000.00}. 

XX/XX/XXXX The convenience check was returned NSF, which I do not understand. My business checking account XXXX balance of {$7700.00} was taken to XXXX to cover the NSF . My business credit card ... XXXX was charged {$4200.00} and that amount transferred to my business checking to cover the remainder of the NSF convenience check. Plus other overdraft fees. 

All the above transactions were done in the bank with the full knowledge of the staff regarding the multiple steps that needed to happen. Everything went smoothly and the wire was sent. However, after discovering that my business account went to XXXX, I met with the bank rep on 2 occasions and had a couple of follow up phone calls with him. The problem was being " escalated '' and assigned to a person whose job was to solve these problems. I was told it will resolve itself in 3 days, then 5 days. After 7 days I gave up. To this date, nothing has changed. I have not been contacted by the bank. Today is XX/XX/XXXX. Had my personal credit card ... XXXX been properly charged {$12000.00}, none of this would have happened.
Consumer complaint received 2018-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc. (CA)

To Whom It May Concern, I recently refinanced a 7-year student loan ( " Original Loan '' ) with SoFi with a new 15-year student loan ( " New Loan '' ).

Sofi sent the funds from the New Loan to an incorrect address and never paid off the Original Loan. 

This error is concerning my Sofi/XXXX Account. 

The funds for the New Loan were disbursed on/around XX/XX/2018. 

Unfortunately, the Original Loan was never paid off and my checking account is being automatically deducted for payments on 2 student loans when I should only have one student loan outstanding.

I'm paying interest on a 2nd student loan that should not be outstanding because of the Sofi mistake.

Additionally, I'm in the process of purchasing a condo and my credit report erroneously reflects 2 student loans outstanding, which is preventing me from qualifying for my mortgage. I have already sunk nearly {$500.00} with the mortgage application and home inspection. 

I have contacted Sofi ( lender ) and XXXX ( the student loan servicer ) on 2 separate occasions in the last 2 weeks to resolve the matter and provide me with a letter that I can send to my mortgage underwriter explaining the mistake. In both instances, XXXXSofi have failed to resolve the issue. 

Thank you.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

My student loan went into default due to me not paying it because I was not getting any information on my student loan mailed to me or through email. Once I found where my student loan was I began repaying it through a rehabilitation program, which I completed successfully. I have been out of default for a year paying on {$45.00} a month. All of the sudden my loan servicer Navient raised my monthly payments to XXXX a month which I can not afford. I attempted to apply for multiple income driven repayment plans and the only plan lowered my payments only {$40.00}. They told me if I could not take care of my monthly payment my only option was to go into forbearance. They also told me I had to make one time payment to begin forbearance. I was never offered any other repayment plans and was forced to go into forbearance. I was trying to get a public service loan forgiveness and now that has come to a stop because I can no afford my student loan payments with all my other bills.
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XXXX and XXXX there were multiple fradulant transfers of monies between my Bank OF AMERICA accounts checking, savings, XXXX and XXXX account. I did not authorize, I was unaware of, did not approve. Was not notified by BOA highly unusual transactions & withdrawls on my accounts. 

1. I attempted to make my monthly social security withdrawl but could not withdraw money from ATM 2. I went home and recvd a telephone call from BOA credit card fraud services. The BOA employee said fruad had been attempted on my accounts. To unlock my BOA accounts he needed to verify MY account information with BOA to re -issue a new card, and unblock my account. The employee sent back text messages x 2 to verify my identity. 
3. same day I went back to my BOA branch to get funds. I told employee about the telephone call. He informed me BOA never called me or sent a BOA email with a BOA log. I then learned it was fruad scam, identity theft. 
4. During of XXXX & XX/XX/2022 I made many phone calls to BOA fruad scams divisions. regarding the Identity theft Most of my accounts were recovered resolved. 
5. Iam disputing the remaining {$7.00}, XXXX XXXX transaction as fraud scam Identity theft transaction. XX/XX/2022 I faxed BOA this statement, fingerprint, police report. Ive offered to take a lie detector test, veryfing I never received {$7500.00} from XXXX and did not approve usage of my XXXX card. I dont know any individual involved with these thefts frauds from my accounts. 
6. my customary XXXX XXXX is under XXXX 7. Ive been a BOA customer for XXXX yrs never advance large ammounts of cash from XXXX. or any other credit cards. 
8. in addition because {$7500.00} Visa is unresolved disputed, BOA should not be adding addtional monthly fianace chages on this disputed ammount of {$7500.00} Visa please tell me how to proceed in my dispute appeal with BOA XXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP (AZ)

I recently checked my credit report and noticed a collection agency Congress Collection has reported on XX/XX/XXXX and recently updated XX/XX/XXXX on my credit report that i owe {$170.00} dollars. Upon my own investigation of this company because i have no knowledge of this debt, I found that they are not even licenced to collect in the state of Arizona. This negative account is impacting my credit worthiness as well as my scored and i would like it removed immediately.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P&B Capital Group, LLC (CO)

I received a notification that a new collection was placed on my report by a credit monitoring app I use. I was never notified of this account, I do not know what this account is, and there is no information on the credit report of how to get ahold of this collection agency.
Consumer complaint received 2020-03-07
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. (IL)

Experian  is reporting a XXXX account as delinquent and as collection debt. The item they are reporting has wrong dates, wrong company names and an incorrect balance as many charges have attached to accounts. It also reported as an account that has been sold to a third party agency.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Debt Recovery repeatedly harasses me by calling ( usually every other day ) despite being told that they are not legally able to enforce this debt! It was included in my husband 's bankruptcy and is considered community property here in CA according to community claims pursuant to 11 USC 524. This company was not only provided verbal notification including bankruptcy discharge number but also written notification that any attempt to collect this debt that was discharged in a bankruptcy inXX/XX/XXXX2015 is illegal. However, this has not deterred them and they relentlessly call and send notices still trying to collect this debt.