davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

This is now called Flagstar. I cant get my account number but its the last XXXX of the card. Its for XXXX XXXX. This is for a family leave. After my brother XXXX, my sister in law was stealing and XXXX I have start to make complaints back at the end of XX/XX/2024 now the are saying XX/XX/XXXX I have to wait 45 days, they made every excuse then postponing the progress, I ask if I can speak to the fraud department or have the number so I can go to police station and have a cop help me. I have XXXX small children and now we are homeless. I have been hung up on and hours and hours to talk to someone. Which clearly shows Im not the only person this is happen too. Now all the state funding is going to this for every Jersey resident. I sign theft affidavits
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.
Consumer complaint received 2020-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Debt Collector Company - AFNI Billing Company - XXXX Amount - XXXX Hi, i have a debt collection from afni regarding my XXXX account for the address which i left in XX/XX/2018 and as per XXXX internet was started again on the address and they i have to pay the amount .I provided them my lease agreement for the the place where i was staying but as per them even its mistake by them i owe them money .please help me on this matter.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2020-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

I have mande several payment to the principal as the website states in order to bring it down to 78 % loan to value. I have sent emails looking for advice on the amount o payment I need o make to the principal to remove PMI without success
Consumer complaint received 2021-05-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (IL)

To Whom It May Concern, This complaint is dealing with Chrysler Capital ( Account # XXXX ). My vehicle was paid off XX/XX/2021, Chrysler Capital received the check-in or about XX/XX/2021. Chrysler is still attempting to get me to make payment on an account that has been 100 % paid off to this current date. I have spoken with Chrysler customer service ( XXXX ) multiple times and acknowledged receiving and processing the payment. Chrysler has not updated my online account nor credit report showing the vehicle has been paid off ; however, they continue to call me attempting to collect on a debt that is no longer.
Consumer complaint received 2018-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

In XXXX I entered into a Two Step Mortgage Modification Agreement with loan serviced XXXX XXXX XXXX. The terms included principal reductions in 3 increments upon the XX/XX/XXXX anniversary of the modification in XXXX, XXXX and XXXX. The loan is now being serviced by Fay Servicing and they have not complied with the deduction of the final XXXX principal reduction. I have called, mailed and emailed documents. It is XX/XX/XXXX, an 8 week delay from the XX/XX/XXXX anniversary date. 
Also, the Loan is still being held in the incorrect Title of The Estate of XXXX XXXX, an entity which ceased to exist in XX/XX/XXXX upon the closing of my late husband 's Probate. I have made repeated requests to have this switched to the XXXX Family Trust. This inaccurate reporting creates a hardship for me to cash checks such as the Escrow overage as the check was written to a closed entity. 
I have attached the Loan Modification Agreement as well as evidence of the XX/XX/XXXX and XX/XX/XXXX principal reduction credits.
Consumer complaint received 2023-09-19
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Regarding case # XXXX, I disputed a purchase for a sweater that I purchased on my Capital One Quick Silver credit card. The sweater in question was purchased on 2/23/23 for {$120.00}. Within two month the sweater had fallen apart with multiple rips in the seams. I contacted the company that I purchased from ( Figs ) in order to give them the opportunity to rectify the charge. The email was not responded to by Figs, and there is no other contact information listed. I therefore disputed the charge with my credit card. In XX/XX/XXXX, I submitted supplementary information which was requested following my initial dispute, including images of the disrepair, receipts of the purchase, as well as an estimate to fix the article of clothing. My credit card rejected the dispute, claiming I did not provide enough documentation. Following this, I called and spoke to XXXX at Capital One Quick Silver, to inquire what I was missing, which she could not inform me of. I have provided all documentation requested and as a consumer, I should be protected from purchasing defective merchandise. I appreciate any assistance you can provide in this matter.
Consumer complaint received 2019-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (CA)

when the vehichle was originally picked up for repo Santander offered to return the vehicle upon payment of the past due amount and applicable fees, which was done the day following the vehicles repossession. after checking my credit report 30 days later the account showed as charged off/ closed by creditor. when i contacted Santander about this inaccurate status i was informed it would remain that way until paid in full. i was unable to attain any movement in all attempts to correct this.
Consumer complaint received 2022-04-28
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. (CA)

I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for XXXX, trans union and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.
Consumer complaint received 2018-02-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (MD)

I called for a payoff amount in XXXX of 2014 on my vehicle loan, and I paid the amount I was told which was {$260.00}. I did not receive a clear title, however I still had my title with the lien holder on it, and I wasn't selling the car, so I didn't think anything about it. I tried to obtain the title recently, and I was told that I still owed money, however I was never contacted about this, and no attempt to collect the money was ever made by XXXX XXXX. I don't feel I owe this money, as I was told the amount to pay by XXXX XXXX when they gave me the payoff. I just would like to get a clear title.
Consumer complaint received 2022-04-07
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. (GA)

I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2022-04-07
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. (IL)

I have constantly reached out to Sezzle company who advised me that I do not own any balance or debt. I have constantly disputed this account and balances and inaccuracies reporting. This has yet to be closed out and removed off of my credit report. I have emails of this account being no longer exists or any amount due.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC (LA)

On XX/XX/24 I was contacting by a family member that I have no contact with that SPRIRE RECOVERY was contacting their phone and giving out my personal information in relation to a debt that I owe them. No company should be giving out my personal business to any individual unless it's me. I have not given this company permission to contact anyone about my debt. THEY NEED TO STOP!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2019-08-19
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. (UT)

XXXX XXXX XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WI)

Submitted Dispute on credit report, incorrect reporting on accounts ( ie, collection item, which evidence from Insurance Company, was provided showing Im not liable for ) and personal information and outdated items on XX/XX/XXXX via XXXX Dispute webpage, on XX/XX/XXXX via fax and XX/XX/XXXX via XXXX Dispute webpage. No confirmation and no evidence has been provided that items have been removed, inquiries have not evidence that it was me requesting the cred and most recently, after a credit freeze was requested after the theft of my wallet on XX/XX/XXXX new inquiries have appear, which I have not requested.
Consumer complaint received 2021-05-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: CHARLES SCHWAB CORPORATION, THE (AL)

Me XXXX XXXX XXXX have been banking with Schwab bank for almost a year they restricted my account for a XXXX dollar XXXX purchase i have stocks and bonds money I use to earn a living they completely blocked all access to all six of my accounts I verified my identity I sent my drivers license proof of address answer personal question from third parties I have lost shares in my stocks I have lost penalties have lost finances I am seeking legal action for discrimination XXXX motivated my investments have been ruined my money is declining I recently faxed documents to verify address and identity I was told I would be contacted in two days its been a week and this is ongoing.
Consumer complaint received 2019-08-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NM)

My Dad got a VA loan XXXX XXXX XXXX XXXX, for XXXX XXXX XXXX XXXX in XXXX, NM XXXX. My Dad died and my Mom died. My Mom did a Transfer on Death Deed leaving me the house. I live in the home and have paid the mortgage and all bills related to my parents death. I went to make a payment over the phone and they wouldn't accept the payment. They told me the house was in foreclosure. I contacted the VA today and will send a copy of the deed to them. The servicer has hired an attorney and referred the case to court (NM is judicial foreclosure). I have asked the attorney for a forbearance plan, or a repayment plan. Because my name is on the loan, the servicer has not given me any attempts at loss mitigation. Nor have they given me a  notice of acceleration on the loan. My parents have been deceased for some time now and I have repeatedly sent in all the necessary documents. I have income and the ability to make the payments. I would appreciate your assistance in resolving this issue.Thank you,XXXX XXXX
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (AR)

my account has been frozen for almost 3 months now! i have sent in all the documents that the bank has required and they still continue to hold my funds. the companys department that suppose to fix my account is never available and they never return my calls or emails!! this is very unacceptable! there is a pandemic going on and i need my funds for my family.
Consumer complaint received 2022-04-07
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. (FL)

request for " Description of the procedures of re-investigation '' was received by Experian on XX/XX/2022 for XXXX accounts currently showing on my consumer report. Re-investigation by federal law are to be completed within 15days. I do not give consent to extend this time. 

in addition my Full Experian File was requested
Consumer complaint received 2021-12-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TN)

Mr. Cooper mortgage company has serviced the mortgage on my primary residence for many years. In XXXX of 2021 I applied with Mr. Cooper to refinance my existing mortgage. I paid them an appraisal fee of {$490.00} to proceed with the approved application. No apparaidal was ever completed and Mr. Cooper ended declining the mortgage application because ( I think ) I did not realize there was a judgement/lien tied to the property and failed to disclose that information in my application. They never refunded the appraisal fee they deducted from my bank account. 

I applied with Mr. Cooper again in XXXX when I realized what the likely problem was with my initial application. Again, my application was approved and I paid another appraisal fee of {$490.00} assuming I would be refunded for the prior one in time. XXXX XXXX never moved this mortgage to closing for some reason. They did not communicate anything other than their appraiser insisted my primary home was used as a commercial business and refused to conduct the appraisal I paid for. It is not used as commercial. It is my home. I provided a detailed statement to that effect at the request of the loan processor ( XXXX XXXX ). The last email I received from XXXX XXXX was an auto replay message that he was out of the office for an extended period of time. I never heard from Mr. Cooper again about this mortgage application or my appraisal, or the second appraisal fee I paid them. 

I have called, emailed, and written letters to Mr. Cooper trying to get the appraisal fees refunded, but no one replies or can provide me with information on getting these funds back. No one there seems to care or be concerned about the appraisal fees much less why they did not follow lending rules/regs by letting me know why my second loan was never closed. I never received a denial letter or any sort of communication after it appears that something happened with this XXXX XXXX fellow that was processing my loan. 

As a fairly informed and educated consumer, it is very distressing to me that a company such as Mr. Cooper is allowed to do this to consumers. Please help!!!! 

Thank you!!
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Disputing Information in Credit Report I am writing to dispute the following information that your company TransUnion LLC has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX XXXX XXXX # XXXX is inaccurate How are you reporting a account that has been charged of as having one late payment and also having a balance after being charge off. 
Please delete this account. Reporting inaccurate information is illegal Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account from my credit report.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

I opened an account with XXXX XXXX XXXX back in 2014 with zero interest for 5 years and set payments of $ XXXX monthly. I recently came into a hardship and missed a payment in XXXX and my balance was down to {$1000.00} If was away and my ex wife decided to call Wells Fargo and the person she spoke to said she can settle at 60 % of the balance owed ( {$680.00} ) to satisfy this account as payed however the person never mentioned to her that the loan would be considered charged off and take a hit on my credit report. I had no knowledge of any of this until I decided to call Wells Fargo because I noticed that my Wells Fargo platinum credit card was closed. When I called Wells Fargo I was told that since the XXXX XXXX account was settled it caused my Wells Fargo visa platinum card to close as well because Wells Fargo funds the XXXX XXXX account. Ive opened an investigation to try to reverse all of this so I can finish pay off XXXX XXXX in full and reopen my Wells Fargo visa platinum card but I was told they can not do that meanwhile the payment that was made to XXXX XXXX was made by my ex wifes bank account which when I called Wells Fargo they said that payment wouldnt have gone through unless it was my account being debited they even went as far as providing me the account number of my ex wifes bank account and saying it was my account which it was clearly not. So now My credit took a big hit my accounts ar closed and theyre saying they can not do anything. Please help