davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX Balance {$14000.00} ftc XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX 2019
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful
Consumer complaint received 2020-11-02
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

XXXX XXXX XXXX from NMAC provided personal information about late not being on my credit report with out my permission which is violation of client confidentiality. I am currently in middle of investigation with attorney general office, FTC and XXXX. 
I never never authorize anyone to speak on my behalf which is going to have negative consequences on my lawsuit with XXXX XXXX.
Consumer complaint received 2015-08-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I believe that my banking account with bank of America has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with bank of America have been shut down. I contacted the bank first, but had no luck with recovery of information or help.
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Adjustment Service, Inc. (IN)

Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.
Consumer complaint received 2016-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

The ACH amount owed XXXX XXXX was wrongly paid to New Bank of America and instead of being sent back to consumer it was transferred to XXXX XXXX after the cut-off date incurring a late fee and fines. I received several credits, but the debt kept appearing and the folks at Bank of America failed to respond to my phone complaints, Emails, and written communications to change the matter permanently. This debt is no longer owed to the debt buyer, XXXX XXXX, and the other debt buyer, New Bank of America, formerly Bank of America 's XXXX accounts, since I am retired and on social security benefits under law. These debt buyers have no documents or signed agreement by me either and that is why they want me to provide them with the information. I refuse to do so because they have no right to it. This is a matter of increasing their revenues and increasing my liabilities with a negative report on the XXXX big consumer reporting agencies.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: RoundPoint Mortgage Servicing LLC (WA)

We closed a month ago and now they want to start the process all over again. Also escrow will have to send the money back to new lender. Our daughter died last XXXX XXXX, 2015 and we have tried to get the home sold since then. what can you do to help us please call us at XXXX as soon as possible
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (OK)

I had a mortgage with XXXX XXXX XXXX that was included in a bankruptcy XX/XX/XXXX. The mortgage was then sold to XXXX, then clearsprings sold it to XXXX. I am currently paying and in good status with XXXX. In XXXX of this year XX/XX/XXXX I got a hit on my credit report that XXXX had made a change on my old mortgage even though I had not had them on my mortgage for over two years. I filed a complaint XXXX with equifax. XXXX stated there was no issue and closed the case. I then started the process with XXXX Bank to refinance the property. During this process they received notice and letter from XXXX that the mortgage had a foreclosure listed. They notified me XX/XX/XXXX and was shocked, since I have never had a foreclosure and this mortgage was protected by bankruptcy. I immediately called XXXX equifax the same day and entered complaints. XXXX could never find an issue and neither did XXXX or XXXX Bank. Equifax also said there was no issue. Even thought the false foreclosure is not listed anywhere on my credit report it was a code listed by equifax. My bankXXXX, and equifax all had a conference call and it was obviously the Equifax had it coded wrong and the code showed the foreclosure. Even during this call a Equifax refused to change the code. Therefore I need help getting Equifax to code correctly and remove the code that is showing foreclosure. Please help. I have attachments but my iPad will not attach. Will send if someone sends me email I can send too. Thank you.
Consumer complaint received 2022-02-12
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: Penn Credit Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2022-09-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022 I was informed by PAYPAL XXXX  via e-mail that my account is permanently limited and that my monies would be held 180 days, after calls and further attempts to contact them they would not inform me as to why they took the action other to say some violation of their user agreement. They did not elaborate. I do not sell items utilizing PAYPAL so there is no need for them to worry about recourse or returns. They are holding {$60000.00} US dollars and keeping me in the dark. After much research online I'm learning that this is happening to many people and after they wait the 180 days they are told their money went to a {$2500.00} fine per user agreement violation ( no mention of which violations ) and said monies are essentially stolen by PAYPAL. PAYPAL has artfully created a stipulation that in their user agreement any disputes must be arbitrated. This is a costly and confusing process for many. This is a travesty that is happening to people across the world.
Consumer complaint received 2024-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO. (AL)

In XXXX of 2023 my daughter and son in law applied for a loan assumption through XXXXXXXX XXXX. After 4 months of run around they sold the loan to Chase. At the end of XXXX they were notified by chase that they are sorry for the troubles, to send them the info and they would do their best to expedite the proces. Each month there is a different delay tactic. Re send something that they already recited ( we have proof they received it and still resent to comply ) each month we are told its at underwriting which will take XXXX days. Each month they ask for something else ( something theyve received or something minute ) its immediately sent, to be told another XXXX days in underwriting. We will be at the XXXX  month mark ( supposedly the max time ) in XXXX weeks and yet weve been told its another XXXX days. Very call to them is predictable. A wrote speech. Escalate to escalation team who says Im sorry, we cant escalate regardless of circumstance or hardship. We are saddened and frustrated.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (PA)

From XX/XX/XXXX, updated on XX/XX/XXXX. The amount of {$1700.00} was placed with collections!? I had this issue resolved in the past!!! This item been reinserted several times. Month after month, year after year!
Consumer complaint received 2024-03-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (MS)

On XXXX XXXX, 2021, XXXX XXXX XXXX XXXX charged me {$190.00} to my credit report and proceeded to send over to debt collector National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I was informed via Email that my card would be put on a security freeze while they verified my identity. It had been over 2 weeks since I went through the required steps that Discover asked and I'm still unable to use my card. There was no indication this would be done otherwise I would have opened another credit card to use. This is a bad practice and as I said there was no indication from Discover that this would be done.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX Number.
Consumer complaint received 2016-05-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

For years and years payments were made to Sallie Mae for my student loans. The Balance did NOTHING! At one point I decided I needed to go on an interest based repayment for over {$600.00} a month. During this time my loan collected nearly {$5000.00} dollar in interest! My payments were {$1100.00} a month. I would make a payment and then on my next billing cycle the balance on the principle would be {$1000.00} higher then the month before after making a payment of over {$1100.00}. When I would call I would spend hours on the phone with hours of that on hold and receive no answers for any of my questions or where this extra money on my balance had come from. On 6 different occasions I was told " this will have to be looked up manually. We will call you back! '' I have NEVER received a phone call from Sallie Mae unless to collect my money!!! At one point I asked to speak to a manager who also put me on hold and when he could not answer my questions he became agitated and hang up on me!!!!! OUTRAGEOUS! I am at a loss with this ignorance. There is no office to go to ... no extensions to speak with the same person twice. It is madness and Sallie Mae is corrupt and taking advantage of an entire generation of people!
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One advertises Cash rewards -- however and whenever you want themWith Capital One ( XXXX ) cash rewards, there 's no limit to how much you can earn and no minimum requirement on how much cash back you can redeem. Also, your cash rewards do n't expire and can come as a check, account credit, or gift card. However after reading Your No Hassle Rewards Program Terms & Conditions, consumers are subject to : We reserve the right to alter, change, or terminate this rewards program at any time without notice. Redemption values vary and are subject to change without notice.This is misleading and contrary to their term " NO HASSEL REWARDS '' and it should be disclosed or not allowed on their applications page!!!!!!!
Consumer complaint received 2022-02-12
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: Resurgent Capital Services L.P. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2021-06-04
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. (CA)

There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}
Consumer complaint received 2017-04-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015   ,  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (SC)

I contacted Navient about reducing my monthly payments because they were extremely high based on my income, which was the only income of the home. I heard about the income based loan/forgiveness for public service and decided to take that route to pay off my loans. I applied for the income based loan which gave a reduced monthly payment plan for specific jobs that could be paid off in 10 years of 120 payments, as a XXXX I qualified. I provided the necessary information on-line and was given a quote. The amount I was quoted was roughly {$210.00} a month for the next 10 years, however when I got my first statement the amount due was about {$100.00} more than the already extremely high monthly payments. Example : Initial Payment- {$570.00} Reduced Payment- {$670.00}. I then put the loans back in to deferment because I could n't afford the monthly payments. I have been in and out of deferment agreements because there is no alternative payment plan. 

In addition I have loans for XXXX colleges, XXXX College and XXXX College. I have only worked at XXXX as a XXXX and no relief has been offered for my student loans. Below are a list of the XXXX : XXXX XXXX, XXXX -5 YEARS XXXX XXXX, XXXX 1 YEAR XXXX XXXX , XXXX- 5 YEARS XXXX XXXX, XXXX-2 YEARS
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am submitting a request referring to " national enterprise '' debit collection listed on my account. This debit does not belong to me. I am unaware of where this debit came from and am requesting it be removed from my credit report.
Consumer complaint received 2020-10-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Consumer complaint received 2015-08-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I am looking to lower my private student loans and Navient is not doing anything to help. I have called to try and get assistance but they state that due to my income combined with my wife I do n't qualify for anything. My minimum payments across all my loans, all serviced by Naivent, are upwards of {$500.00} and I ca n't afford that. Not sure what else to do as I do n't want to fall behind on them or have this mess up my credit even further. On top of that Customer service is rude and has not been helpful at all.
Consumer complaint received 2021-06-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

Today ( XX/XX/XXXX) we were scammed/frauded by someone acting as a landlord for a house to be rented. I sent him XXXX on Zelle and my father sent XXXX for the security deposit. We contacted XXXX/Zelle immediately after finding out about getting scammed. XXXX/Zelle said they can not do anything about it and to contact local authorities. They are not protecting their customers or least looking out for them in these situations.
Consumer complaint received 2016-08-27
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The Bank of America is conspiring with the lenders who only tell lies in Exchange for my XXXX money ( checks ) and my XXXX XXXX money ( checks ). I never applied for a loan ( s ) of any kind.
Consumer complaint received 2017-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Midland Funding LLC has been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.
Consumer complaint received 2023-03-30
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. (SC)

On XX/XX/2021, there was an inquiry generated on my credit report titled " XXXX XXXX XXXX XXXX  XXXX ''. This inquiry was not authorized by me nor do I have an account with this company. I have attached my cover letter along with my FTC report to this complaint.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I had a XXXX co-branded card issued by FIA/Bank of America. XXXX has decided to change card issuers but I wished to remain a FIA/Bank of America customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This complaint is about me and my businesses. I have my business checking accounts closed by theXX/XX/XXXX XXXX XXXX due to Fraud. I requested reports from me and my business and noticed sinceXX/XX/XXXX 2020 several repeated inquires of CAPITAL ONE. I want these inquires to be remove from my personal report and my businessesXX/XX/XXXX EIN XXXXXX/XX/XXXX XX/XX/XXXX EIN XXXX XXXX XXXX XXXX XXXX XXXX I have my bank accounts closed in this financial institution. 


XXXX # XXXX
Consumer complaint received 2015-10-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (FL)

Some company named high point asset management from phone number XXXX keeps calling everyday. I answered one time and I was threatened to be put in jail for not paying a debt ( a debt they could not explain ) if I did not provide them with my debit card number or bank account number to satisfy the debt. The lady advised there was a court order to have me arrested if not paid. I hung up on her. They call everyday, I have my cell phone on auto reject but they leave the same voicemail everyday. Thy never did confirm the debt, they just kept asking for my personal information. I aksed them to mail me a validation of debt and they say " they did '' but I never received anything. Is this legal? And how do I stop it?