davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please remove these inaccurate inquires under the FCRA do not give me the run around or you will be fined under law for each inquiry I have contacted each bureau each creditor and I have not seen no updates. I have not gottten any response on how this could happen. I have not heard from anyone about this manner no written letter showing my iD, paper work, or anything when I been contacting each creditor and bureau for months!..
Consumer complaint received 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

On XX/XX/XXXX, I submitted to have my IBR recalculated, as it was recalculated incorrectly during my annual re-certification. I wrote a letter explaining my circumstances and specifically requested that they recalculate my IBR payments. 

I received a letter on XX/XX/XXXX, stating that my payments had been recalculated, but the amount was still incorrect. 

On XX/XX/XXXX, I received notice that my plan had been switched from IBR to a Standard Repayment plan, and that to start it, I had to make a payment under the new plan. The following day I received notice that a forbearance request had been processed. 

I called to find out what happened, and told them I did not want a forbearance, as I'd not asked for one. It turned out that there was a box I'd checked on the form I turned in on XX/XX/XXXX, where I had mistakenly checked the box for forbearance, and then crossed out the entire line because it was a mistake. Even though I had written a letter to accompany the form, which clearly stated I wanted to have my IBR re-certified. I downloaded those documents this evening, from my XXXX account, and have attached them to this complaint. 

I began the process of completing new IBR paperwork on XX/XX/XXXX. I believe this is when I reached out with my first complaint to CFPB, and the issue was remedied. 

The problem now is that as a result of XXXX incorrectly putting my loans into forbearance, my interest rates were capitalized. I have a problem with this, as I did not request a forbearance, and immediately called to correct it. I believe that my interest rates being capitalized was a mistake that was the fault of XXXX, and I would like to have this rectified.
Consumer complaint received 2018-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cardinal Accounts, Inc. (IN)

In XX/XX/XXXX I lived in XXXX XXXX. Beginning in XX/XX/XXXX, I started seeing wasps in my apartment. From XX/XX/XXXX through XX/XX/XXXX I made constant reports. Initially they only sprayed bug spray around the building. Then they brought in professionals. The professionals came out three times and each time they found more and more wasps nests. Several times throughout this period I had no choice but to inconvenience myself and family by staying at their house or not leave my bedroom into the rest of the home due to so many wasps. At this time I was paying rent for an apartment I was pretty much not living in.They offered to move me into another apartment but I would have had to stay in mine for another month because they would only move me into an apartment the same size instead of what was available. At this time my son was six years old and to keep my son safe I had to move and I did it as quickly as possible since I had been dealing with the wasps for almost three months at that time. XXXX violated my lease by their failure to provide a safe and comfortable environment as stated in my lease. On the day I left I gave them a letter detailing everything in this letter to explain my decision to.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (SC)

I have reach out to them numerous times and information continues to change. I'm showing late payments, account still open. 
Bankruptcy case # XXXX. It is affecting my credit score very badly.
Consumer complaint received 2022-01-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Tesla, Inc. (CA)

I spoke with someone named XXXX XXXX today, who advised me that the early lease termination documentation was never processed by Tesla. I completed the early termination process online, provided photos, and scheduled my turn-in date for XXXX. On XXXX, I brought the vehicle to your XXXX, CA location and turned it in per Tesla 's online lease return process. I also processed the release of liability with the DMV. Per the quote I uploaded, I do not owe anything to Tesla for the early termination of my lease. 

Unfortunately, XXXX informed me that I am still registered to this car and am being charged for it. Someone at Tesla also plugged the car into a supercharger and I was billed {$20.00} on XX/XX/12, though I no longer am obligated to this vehicle. 

I've emailed Tesla multiple times regarding this matter at XXXX, XXXX, and XXXX, but nobody has responded. Tesla needs to process the lease termination immediately and back date it to XXXX when I returned the car and refund the {$20.00} they charged me for supercharging while the vehicle sat at their dealership.
Consumer complaint received 2021-08-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (PA)

We went into forbearance XX/XX/2020 due to COVID-19. We filed for a loan modification due to our inability to resume payments as normal. The mortgage company has lost, withdrawn, or requested corrections multiple times. The last application as well as corrections was submitted though our current bankruptcy attorney 's office. They are claiming the documents weren't received in time and telling us to complete the application for a fourth time.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (PA)

I am having a major issue with PNC Bank right now. There was over XXXX in my bank at the time that transactions were already posted. I had two extra come out of a balance left XXXX that was XXXX on XX/XX/21 and XXXX on XX/XX/21. They in turn made my account negative XXXX x XXXX when I had money in the account. I will also file with XXXX XXXX  due to this mix-up. But to charge me XXXX 5 times is not right. I would like for that to be removed from the account. I am noticing when items are posted they pulled the money out but then even after it is posted and paid it comes out of the account. So I would like for that to be fixed.
Consumer complaint received 2022-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-02-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I received a letter from a local lawyer on XX/XX/2018, stating that I was being sued and that I might need legal help. I was confused by this so I decided to check CCAP to see what was going on. After checking my name and birth date I did see that I was being sued by a company called, XXXX XXXX, this coming XX/XX/XXXX at XXXX. I have never received a letter or phone call from this company to inform me of such. I then did research to see who they were and got their contact information. I called them on XX/XX/2018 and gave them my number and social. They were unable to give me any information and instead directed me to call a local number XXXX, which is a law office. The number continued to go to voicemail. I called the company back to retrieve an account number and address. That is when I hand wrote a Request of Debt Verification letter. I went to the closest post office to me and sent the letter certified mail on XXXX XXXX at XXXX. The company received this certified letter on XX/XX/2018. I have not received a verification of the debt I owe and have had my credit soiled because of this alleged debt. I am being sued and have no idea why.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The mortgage payment for account # XXXX with XXXX XXXX   XXXX was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my Equifax credit report : Company/Account Name : XXXX XXXX   XXXX Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : XXXX Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : XXXX Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
Consumer complaint received 2020-09-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (SC)

Submitted a wire transfer from my CitiGold account around XXXX XXXX on XX/XX/2021. I called in to CitiGold Customer Service to handle the transaction ... the young lady walked me through the online submission process. As we ended the process, my CitiGold checking account balance was reduced to {$0.00}, from {$220000.00}. After paying the {$17.00} wire transfer fee, the actual amount transferred to XXXX XXXX XXXX ( XXXX ) was {$220000.00}. 

As a wire transfer, this transaction should have taken no more than a couple of hours at most. The transfer never took place on Friday, and had not completed by XXXX XXXX on Monday, XX/XX/XXXX. I spoke to my local XXXX XXXX XXXX branch and they had no record of the transfer. 

At about XXXX XXXX, I called CitiGold Customer Service to find out what had happened to my transfer. I spoke to a young lady who tracked down the transfer, telling me the ttansfer had not been 'approved ' and was still pending. She contacted a 'manager ' at CitiGold who approved the transfer ; the money was released around XXXX XXXX ; and arrived in my XXXX XXXX XXXX account between XXXX and XXXX XXXX. 

This transfer was initiated XXXX hours before Citibanks cut-off time for a domestic transfer ( published as XXXX XXXX, Monday through Friday ). I was never informed that there was any form of approval process, and I went through multiple security authentication steps prove who I was before the wire transfer transaction was accepted in the system. 

I expected this money to transfer on Friday, and if there was a problem with executing the transaction Friday, Citibank should have contacted me to discuss any problems. As it was, my wife and I spent the weekend wondering where our money was. As I explained to both young ladies at XXXX, this money was needed to set up escrow for the purchase of a new home. 

My opinion ... Citibank just wanted to hold on to my {$220000.00} for XXXX more days, and they made me chase them to get the money released. If a wire transfer is initiated prior to there cut-off time, it should be executed. And if there is a problem, they should contact the customer to resolve the issue. 

CitiGold has other mechanisms to transfer money to another bank, and I pursued several of them. Unfortunately, the transaction limits are set so low, even using the best mechanism other than a wire transfer, it would have taken literally months to transfer the money. And to get a physical check for this money, I would have had to take a XXXX mile trip to a south Florida office to get the check.
Consumer complaint received 2024-03-10
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Lending Services LLC (GA)

Global Lending Services calls me everyday sometime a few times within one day about my auto loan which I am paying every month. They call from a few different numbers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others! This is so frustrating and feels like loan shark level harassment!
Consumer complaint received 2022-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

Resurgent stated that they purchased this alleged debt and they have " all rights to ownership, they have the right to collect and the right to report to the consumer reporting agencies. Please provide that proof and the FORWARD FLOW AGREEMENT between the " Current owner '' and the " Original owner ''. Also, provide an invoice/ bill of sale of this alleged debt. I am also requesting the aggregated value of the purchase OF THIS ALLEGED DEBT between the CURRENT OWNER AND ORIGINAL OWNER ... RESURGENT IS REPORTING THIS ALLEGED DEBT TO MY CONSUMER FILE, IS ALSO A VIOLATION UNDER FCRA, ACCORDING TO 15 USC 1681b ( a ) ( 2 ) I, the federally protected consumer never gave written instructions to furnish anything on my consumer file. Please send me proof that I gave the " original OWNER '' or the " current OWNER '' WRITTEN permission to report or furnish anything on my consumer file.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Omni Financial Corp. (FL)

I talked to the collections department about this account which they told me I would be up to date. I made payments and was reported every month after as past due. I would like the payment history deleted on this account as it is not true due to what I was told. My customer service was excellent from this company and I would like them to stop reporting the payment history which I feel would make me whole due to our conversations.
Consumer complaint received 2024-02-29
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 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 2021-02-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (CA)

On XX/XX/XXXX, I ( XXXX XXXX ) deposited XXXX XXXX dollars into an account with Robinhood ( RH ) Financial, Llc. The money cleared my bank account on XX/XX/XXXX. My account has been frozen since XX/XX/XXXX. I can not access the account. I have tried in vain to get in contact with someone through email and phone. They have ignored my request to cancel the account and return my funds. They have responded once by sending me an email to verify my identity. I sent the required information twice. No reply has come from them at this point. I was able to set up the account ( which means I had to send all of the same information when I started the account ) in 24 hours. 24 hours to verify my ID to set it up but over5 days, and counting, to let me back into the account. I have read several complaints about being locked out from 1000s of others on XXXX and on their app reviews. This is criminal to take money then lock people out of their accounts. They are taking money and using it for themselves. This is the complete opposite of what robinhood did. Please send to prosecute for theft.
Consumer complaint received 2021-06-08
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: WELLS FARGO & COMPANY (NJ)

The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft WFDS Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

An account was opened in my name by someone else other than myself, this was done in store with someone using my name with a different photo and address. I'm not sure how this happened because a different SSN was used and it created a double profile. I was unable to get access to my own account because of this. I know XXXX is known for opening accounts without their clients consent.
Consumer complaint received 2021-06-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX  Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX XXXX A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

11. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.
Consumer complaint received 2019-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

XX/XX/2019, Credit Acceptance REFUSES to report to all 3 credit bureaus ( XXXX, XXXX  and XXXX   ) that my installment car loan # XXXX, is paid and pays as agreed.

Not closed- false information. Credit Acceptance NOT reporting accurately FCRA.
Consumer complaint received 2021-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The list below includes fraudulent accounts on my report. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

6. Identity Theft XXXX CAPITAL ONE N A Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine.