davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

I have asked for corrections on a XXXX account I paid in-full as I am working to clear a matter concerning a Chapter XXXX that I have not affirmed. You have this under CFPB case # XXXX. CITI sent me a letter dated XX/XX/2018 saying they are going to refund the money paid by my spouse to pay the account in-full so that they can report the account in a negative status rather than correct the erroneous reporting. CITI wants to pretend they were not aware of the Bankruptcy reporting but they were well aware when the payment was made on XX/XX/2018. CITI in-fact was aware on or before XX/XX/2018 as they accepted a payment from me from my checking account. I called XXXX from my cellphone because I could not make the payment myself online and was informed that they had frozen my account access because of the Chapter XXXX being reported but they said that I could pay over the phone using my account they had on file and so I made a {$50.00} payment which they accepted. Due to the hassle of making that payment I had my spouse pay the account in-full. Now CITI wishes to reverse a payment so they can damage my credit rather than correct the reporting. As I stated I have not entered into a Chapter XXXX plan as fraud has been committed and I am committed to correcting it through the legal system. This account has been paid in-full and now they wish to refuse payment so they can generate negative reporting which damages me further credit wise based on creditor fraud. I have their letter as proof they are reversing a paid in-full account to effect negative reporting on my credit.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NJ)

I have spent 2 years monitoring my credit so one day we can buy a house. I get a letter from XXXX XXXX???? Who fraudently says I have an unpaid account with XXXX XXXX XXXX XXXX whatever that is. Woman was rude when I tried to clear this up. Totally bogus and says they won't give me original creditor unless I contact them in writing!! Call themselves XXXX in another section. Ridiculous!
Consumer complaint received 2021-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

On XX/XX/XXXX I was placed on forbearance with Select Portfolio Servicing , Inc due to the XXXX pandemic. My forbearance period ended on XX/XX/XXXX. I applied for additional assistance in which I was denied on XX/XX/XXXX because the finance company Select Portfolio Servicing , Inc said I didnt qualify. I was and is currently on unemployment and I qualified for the additional forbearance extension. On XX/XX/XXXX I received a letter in the mail that Select Portfolio Servicing , Inc wanted me to participate in a modification in which I explained I couldnt afford to feed my family, pay light bill, and pay the high modification mortgage they wanted me to pay. They threaten to foreclose my home if I didnt pay. On XX/XX/XXXX I launched an investigation with Select Portfolio Servicing , Inc with their ombudsman department and they did not resolve my account. I had to borrow money to pay XXXX and XX/XX/XXXX modification payments. I called on XX/XX/XXXX regarding the forbearance extension which is on XXXX XXXX website and Consumer Finance.gov which state the extensions is 18 months if the mortgage account was in forbearance on XX/XX/XXXX. I was in forbearance at that time frame. Every conversation is recorded please request conversation records from XXXX XXXX XXXX. They have lied and stole money.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I used to have XXXX  back in XX/XX/2014which have been paid and closed that year, i would like this information to be removed from my report since there is no problem with that account, and i am having very hard times getting credit or loan from other companies, i kindly ask XXXX  XXXX XXXX to help me in my hard situation. Account number was. : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

im Writing t consumer reporting agencies ( XXXX Experian, XXXX ) of a formal complaint against XXXX XXXX XXXX  I've included the Cfpb case number XXXX and a copy of my opt out letter I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) to opt out of such information sharing, and I believe my privacy rights have been violated. 
On XX/XX/2024, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 XXXX and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX XXXX 
Please feel free to contact me at if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (KS)

XXXX XXXX  client XXXX XXXX is a victim of ID theft ; his information was used to apply for credit cards without his consent. Disputes of that activity were sent to the creditors in an effort to remove those fraudulent related items from his report. Recently Experian credit bureau sent my client a letter stating they were not able to remove data from the credit report because they needed more information. Under FCRA guidelines that information was provided to them from the agency where the disputes was sent originally ( XXXX XXXX ) ; as they had the obligation to provide that data specific for the removal of the inquiry. In addition Experian already has the complete profile of our client because our client sent a request for an extended 7 year fraud alert on the Experian credit file. Currently Experian is violation of federal consumer law and is now jeopardizing my clients credit history by failing to comply with the law.
Consumer complaint received 2018-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (HI)

To : CFPB To whom it may concern ' XXXX see my attached amendment of my complaint against XXXX XXXX XXXX, XXXX Thank u very much ... 


XXXX XXXX XXXX
Consumer complaint received 2018-03-23
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)

I have made 3 attempts to receive documentation pertaining to the investigation that TransUnion conducted as part of their practice to investigate and validate any collection reporting on my credit. TransUnion has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding TransUnion to provide me with and yet TransUnion has failed to provide with with such proof. TransUnion has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NH)

I was told my account was past due with Nelnet. I called when I got my first letter from nelnet and over the phone on XX/XX/XXXX made my account current And set up automatic payments going forward. 

Nelnet failed to process both my initial payment and my automatic payments and never notified me that it remained delinquent. After a month they transferred my loan without giving me notice. 

When I called Nelnet they had difficulty finding the XXXX in payments I made despite my having the verification codes of these payments and proof theyd been deducted from my bank account. 

My account remains in default- hurting my credit. They want me to pay all over again but I dont feel comfortable sending more money to a company that cant find the first money I sent. It was never returned to my account. When I asked why it never processed they said some payments could take months to process. How can an account be marked past due when their payment process is the reason a payment is late. I now have additional interest on this loan and my score keeps going down. I made these payments in XXXX. They transferred my loan end of XXXX. They said the new loan company should have my XXXX payment. I called and they do not. Nor do they have any indication that it will be coming. Im currently fighting with my bank to get the payment marked fraudulent so I can get the money back and make my loans current. Nelnet refuses to refund me or provide a receipt on their end that that money was transferred to the new loan holder.

Nelnet needs to fix my credit score And refund me the interest and original payments at Minimum.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (CA)

On XX/XX/XXXX XXXX at around XXXX I recieved a SMS from the cash app institution, stating that someone whom I have recieved cash from " via cash app '', from before for a service that was completed, the individual had filed a dispute and without my knowledge or consent charged my cash out of my primary bank linked to cash app. I had previously reported this individual for trying to scam me and harass me to get my services done for free and delicned his refund request on XX/XX/year> and blocked this individual from harrasing my business as I no longer wanted to serve this individual for harrasment, I filed the report with cash app on XX/XX/year> and that was the end of it, until as previously stated cash app unknowingy and without my consent withdrew XXXX separate transactions XXXX for XXXX $ and the XXXX for XXXX $ for a total of XXXX $ US Dollars, these were unauthorized withdrawals and I immediately got on the phone with XXXX XXXX and locked my card and reported this to XXXX XXXXXXXX XXXX XXXX and cash app on XX/XX/XXXX at around XXXX when I noticed it, but neither were cooperative nor willing to stop the unauthorized withdrawals, I then visited the XXXX XXXX branch the very same day at around XXXX XX/XX/XXXX, to try and get this stopped from withdrawing and the Representative told me that I had to deal with cash app and not them, I then called cash app immediately and was told they could not do anything about this unauthorized withdrawal and told me to contact XXXX XXXX I am reporting this because the refund was declined previously with cash app and yet over a month later, cash app still withdrew the cash without my consent and authorization.
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE (CA)

XX/XX/2021, I inquired about a deposit that was unexpected put into my savings account in the amount of XXXX $ . I asked for Golden One Credit Union to look into the issue. The credit union did there investigation and stated that there was nothing abnormal about the deposit. Golden One sent a letter stated that they did do there investigation and stated that the money came for us XXXX XXXX and that everything was ok. 
XX/XX/2021, Golden One froze my account took all my money and stated that there was a mistake and that another Golden One member had deposited a check into my account back on XX/XX/2021 into my savings. I tried to inquire about the issue XX/XX/2021 was severely mistreated and was told that it wasn't my money to spend in the first place and that until the money is paid my account is frozen and they seized all my finances. 
Last night around XXXX XXXX we were able to go through the automated system and speak to an individual who did a little more digging and they did locate the notice about the investigation that i did back in XXXX but nothing has came of it. 
I'm a single mother of XXXX and now I have no money and I'm emotional distressed because of golden one credit union s mistake- please help ive never had anything like this happen before
Consumer complaint received 2018-03-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (FL)

Hurricane Irma Storm Damage Had to sue insurance company to obtain funds. 
Settlement check was issued out to myself and Fay Servicing Repairs started by contractor Initial partial payment released from restricted escrow account to start pay contractor Fay Servicing wanted inspection at 50 percent completion, but has had multiple excuses why an inspector can not be sent.

Now project is at completion, Fay servicing still has not sent an inspector, states it may be another week and then another week to release funds. 
Contractor was to be pain 1/3 at start 1/3 at middle and 1/3 at  completion. 
Project will be competed but Fay servicing is refusing to send inspector or release funds
Consumer complaint received 2017-08-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

My student loan company Navient has scheduled an increase on my repayment plan to XXXX as of XXXX/XXXX/XXXX that i did not authorize that was once before XXXX which i started to payment XXXX/XXXX/XXXX. When i spoke to Representative he said the plan i was end only last 2 years, notice i been in this plan for 4 years now.
Consumer complaint received 2020-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX of XXXX or XXXX of XXXX. Each bureau is showing different dates, and i don't even know. Which is impossible!!! 

Anyways, 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-09-01
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (NC)

Since XXXX XXXX, I have been making monthly {$120.00} payments on student loans owed to XXXX XXXX XXXX that were sent to Williams & Fudge Inc. for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XXXX Recent balance {$6900.00} as of XXXX/XXXX/XXXX {$800.00} past due as of XXXX XXXX 2. Opened XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX {$710.00} past due as of XXXX XXXX. 
3. Opened XXXX Recent balance {$9100.00} as of XXXX/XXXX/XXXX {$1000.00} past due as of XXXX XXXX I have contacted Williams & Fudge on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XXXX/XXXX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method On XXXX/XXXX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle CLIP method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. Williams & Fudge has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.
Consumer complaint received 2017-09-01
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PRESTIGE FINANCIAL SERVICES INC (KY)

I am 7 days late paying my car loan. A vehicle I 've had for over a year and never made a late payment on since I obtained the vehicle. I had numerous conversations via phone, text and email explaining to Prestige Financial that I would be paying my loan on XX/XX/XXXX they offered a payment arrangement in which I was unable to take and I informed them again that I would be making this payment first thing on XX/XX/XXXX when I got paid. I went thru this with them everyday about 3 or 4 times a day for 5 days straight. I even at one point asked about their grace period and they said well yes there is one but that only pertains to the late fee we add if you are more than 10 days late ( is  n't this all the same thing ). At one point a gentleman with the company informed me that they were closing there books on XX/XX/XXXX and they have standards to meet as a company. Which I understand because I used to be a debt collector myself we had percentages and standards we had to meet each month as well. But, were also trained that if someone is within a grace period and they say they are going to make their payment before that grace period is up that we do n't continually harass customers with phone calls and we definitely do n't call the customers work after we 've had numerous conversations w that customer and they 've stated when they would be making their payment. We also never threatened them with management, ruining their credit or other offensive things which is exactly what these people did with me. They called my husband 's work and when we asked them not to do this and when I told them that I had numerous conversations with them explaining when I would make the payment I was told that this did n't matter and they could legally call who they want because we signed a legal contract. I was threatened with management which would further their collections w me, I was threatened with this ruining my credit and I was harassed non stop for days with phone calls, texts and emails. Furthermore, the day they called my husband 's work was 1 day before I had scheduled to make my payment with them. I have seen numerous complaints on this company for the same things I 've listed here something needs to be done.
Consumer complaint received 2021-02-19
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. (TN)

XXXX XXXX XXXX reported XX/XX/2020 30 days late to all the credit bureaus. I made the payment at or before the XXXX XXXX  Mountain time cutoff but the transaction history shows that the payment was made at XXXX XXXX so they processed the payment on XX/XX/2020. This caused the account to appear to be 30 days late. I called and asked them to correct the issue and they said that they could not and the issue is closed with their Consumer Escalations department. I told them that I would be filing a complaint with this agency and they responded that they would not remove it and the case is closed. This report is inaccurate because I was not 30 days past due and this has completely damaged my credit rating and caused me to be rejected for a refinance of this mortgage. I just want this to be corrected as soon as possible.