davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-30
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. (VA)

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX was paid off on XX/XX/20
Consumer complaint received 2022-07-30
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. (VA)

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX was paid off on XX/XX/20
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (TX)

My debit card was cloned and therefore canceled. I requested a new one from my bank SOFI and its sponsor bank XXXX XXXX. It is unacceptable for an online bank with no brick and mortar branches to have a delivery estimated days for a meeting card of 7 to 10 business days. Additionally they are unable to do wire transfers. So not only I cant make purchases but I cant send money next day to my other financial institution. Given the fact that they are an online back they should have next day service for new debit cards.
Consumer complaint received 2021-06-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

Filed for Forbearance in XXXX of 2020, now looking to find a resolution with Mr.Cooper, our services. Started the applications end of XXXX XXXX I called to follow up many times this past week and was once hung up on! I also gave the loan specialist my number in case we got disconnected but they never called me back! I assume this was because I told them I would file a complaint as they were not answering any of my questions or telling me what we could qualify for. I was asked to fill out an application more than four times via email, which I did. Theyre not communicating properly about why I had to keep filing applications and would not answer me about this. I was denied any assistance at all I later find out but they never communicated it with us after filing out the multiple applications. I contacted XXXX XXXX directly last week, and I dont feel were getting what we need as they told my husband to call the servicer back and ask what and why we dont qualify even though we have been doing that. I called mr Cooper back today and was told I have to basically pay a one lump sum of 12 payments to MAYBE reinstate if we qualify after we pay 12 months that we missed up front. Then they call it a repay payment plan for the XXXX and XXXX payment which isnt even due yet. Theyre calling it this so they can get away with making it look like theyre offering us something legally..XXXX XXXX does not require a lump sum up front from their guidelines I read with Covid laws. I am out of options because they wont give us any. I was only told we could appeal our previous modification and it probably wont go anywhere. We have lived in our home 22 years! This is extreme predatory lending practices with Covid! I was also told PRIOR to entering into this that we had rights because the Covid laws are different and we could modify again or get a deferral added to the end of the loan. I also have a screen shot of some of our communication Feom last year I will attach here. During this year long forbearance I called mr Cooper a couple times to be reassured we could have some kind of relief. They and Mainly XXXX XXXX have played a very nasty game here not telling me this upfront and offering nothing now! We entered into this with complete reassurance that we would be like anyone else and get relief after. If we would have been told up front that since we had modifications done before and would not be able to get any assistance, we would have borrowed money to catch up. We should have been told up front this could have been an issue! Theyre now telling us even if we do pay all the 12 mos now- we may not qualify for resuming our payments! They will find a way to deny us so they can take our house! Please help! A bankruptcy is what we may be forced into due to predatory lending!!! This is absolutely servicing discrimination and predatory lending if I have ever seen!
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box. The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it. From my online account, I was able to see that someone signed on the back of the check and encashed it. My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX. I got the affidavit signed by myself and also from the Manager of XXXX XXXX. I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does. I don't have any options. I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check. Both the banks are leaving me optionless and CFPB is my last resort. Pls help me
Consumer complaint received 2018-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (VA)

I ( XXXX XXXX ) changed banks from XXXX XXXX to XXXX XXXX. While i was doing this i set up with XXXX  a the new direct deposit to Selene Finance. The payment due on XX/XX/XXXX went through and then was kicked back due to lack of funding on my part ( i didnt realize this until today ), i had the money but unfortunately still had it in XXXX XXXX. I never received any letters from Selene that my payment was sent back due to lack of findings. Today XX/XX/18 I was looking through my bank statement and realized that the payment for XX/XX/XXXX was sent back, and decided to call Selene Finance to make the payment. After speaking with the first clerk i was told that they tried making the mortgage payment 3 times and my account was blocked. They said that i received letters in the mail the XX/XX/XXXX and the following days they tried making the payments. I have never received any letters, phone calls or e-mails stating that i missed any payments. The only solution they gave me was to send a money order to them for the next 6 months until the account gets unblocked. This is hard for me due to the amount of hours i work per week ( 60 ). i would like to get my account unblocked so i can continue with the regular direct deposit as i have been doing for the past 3 years. i feel that they should have notify me before blocking my direct deposit and having to making money orders to them.
Consumer complaint received 2022-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV INC. (MO)

My bank ( XXXX XXXX ) uses a 3rd party company, Fiserv for Bill Payment Services. We requested a stop payment thought FiServ on a duplicate payment being sent to our Cell Phone Provider ( XXXX ). XXXX XXXX  communicated to us that the stop payment had been processed. Many days later we learned that a freeze had been placed on our bill payment service and none of our bills had gone out for payment. In a panic we called XXXX XXXX, who directed us back to FiServ. FiServ told us that they wouldnt unfreeze our Bill Payment until we paid them {$210.00}, which is the amount they said they sent to XXXX on our behalf even though we requested a stop payment AND the stop payment had been confirmed by XXXX XXXX. We informed FiServ that XXXX hadn't posted a duplicate payment from us. Additionally, XXXX informed us that they never received a duplicate payment for us. 

We continue to request a refund from FiServ in the amount of {$260.00}, but they are not willing to do so and keep telling us to call XXXX. XXXX says they don't know what FiServ is talking about and has never received communication ( XXXX or phone call ) OR a second payment from XXXX XXXX. 

This is clearly an issue of a bad process on the part of XXXX XXXX  and FiServ. Specifically, there are no verbal disclosures that are covered on the call informing consumer that there may be a freeze placed on bill payment services. Additionally, they don't offer a process in place for the consumer to recover funds in a reasonable manner. I'm assuming that this failure in process has impacted more consumers than just me. It's as if XXXX XXXX  is allowing FiServ to hold customer bill payments hostage until they pay for a stop payment that's in process .... REGARDLESS OF IT WAS RECEIVED, PROCESSED AND POSTED BY THE COMPANY THAT WAS TO BE PAID. 

I'm currently 8 hours into this process and still have no answers. I'm furious and disappointed in both companies. I'm requesting the CFPB investigate this process failure by XXXX XXXX  AND FiServ ( Especially FiServ ) .I can only image how many consumers have been impacted by this issues and suffered overdrafts, late payment fees, negative credit bureau impactsetc. Additionally, I'm requesting that the CFPB levy monetary fines against FiServ specifically on behalf of consumers for this process failure. 
Ill also be sending this summary to a number of attorneys for a class action lawsuit against FiServ.
Consumer complaint received 2022-10-23
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MN)

Genesis Credit Management Columbia Debt Recovery XXXX XXXX I have disputed these accounts on all three credit bureaus stating that they have the wrong information and they keep telling me i have wrong information. 

I paid version wireless and sent them the copy of my receipt and they stated that they would remove it, but XXXX XXXX refused to remove it. 

Genesis and Columbia are reporting for the same XXXXXXXX XXXX XXXX. I gave them their two month Notice to vacate and they refuse to acknowledge the receipt of my notice. I requested that both companies remove this from my report as false and they refuse to remove it.
Consumer complaint received 2021-06-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (VA)

I have decided to trade in my XXXX XXXXXXXX XXXX that is financed by Ally Auto due to personal reasons. Ally sent me a letter stating that I can not trade in my car ( exact wording-they are not agreeable to my trading in the car ). The trade in will satisfy the loan so Im unsure as to why they are trying to block the sale. I have called in numerous times and no one will help. I have a right to trade in the car if the trade in amount satisfies the loan. I want yo hear from Ally as yo why they feel they can stop my trade in.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXX XXXX XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (UT)

In accordance with the fair credit reporting act, the following Account has violated my rights : 1 ) XXXX  ( Also Listed As XXXX, XXXX. ), Account # XXXX, Amount {$360.00}, Account opened XX/XX/2013. 

15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-14
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. (NC)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2022-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (CA)

XXXX has my subsidized XXXX  loans, ending in XXXX. I have tried to contact them regarding loan forgiveness after XXXX or XXXX years, but I can not get any information from them. I don't know if I need to consolidate into a direct loan or leave my loan as is to qualify for this loan forgiveness. XXXX has no information on their website, does not answer my emails and has a phone number that no one answers.
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (FL)

My Equifax and XXXX credit score dropped XXXX to XXXX points without proper explanation. The information given on my credit scoring is conflicting information. I disputed my credit report on XX/XX/2022 and Equifax closed the dispute on XX/XX/2022. Wow they really did a thorough investigation in less than 24 hours? I have submitted several complaints about the discrimination and violations in which I have received from Equifax per my credit report. I will be also making another complaint to the FTC. Its time to seek legal actions.
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXXXXXX XXXX XXXX, Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-29
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. (FL)

I am making this dispute because I have noticed that I have sent a request to remove inaccurate information and it has not been honored nor have I gotten a response in 30days. I request that under the consumer financial protection laws the cfpb enforce my rights and remove the information connected to my consumer credit profile. I have attached the letter and verifying information as a courtesy. This company undermined my consumer rights and my ability to exercise them.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On Thursday, XX/XX/XXXX, I exercised my right under the Fair Credit Reporting Act, Section 609, to request all information regarding these listed accounts. XXXX # XXXX # XX/XX/XXXX this account was closed XX/XX/XXXX and charged off. TRANSUNION is showing on report number XXXX XX/XX/XXXX the above account is opened and has a late payment.
Consumer complaint received 2022-04-14
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. (TX)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I checked my credit report and I have a negative 28points meaning 28 points subtracted from my Equifax credit score for XXXX XXXX it reads a remark is added to your account from XXXX  XXXXI called XXXX XXXX I was told everything was fine on there end. I called Equifax ( thats the only one reporting this so far XXXX they said it came from XXXX XXXX. I have a XXXX balance and never been late on this account opened about 2 years ago. Im trying to buy a house and this information is not correct.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MS)

XXXX  is still showing an unpaid collection on my report. I paid this collection on XX/XX/2019 with my XXXX XXXX. 

The collection was {$550.00} with XXXX, and the original collection agency was Jefferson Capital. When I called them in XXXX, they had turned the collection over to XXXX XXXX. 

I am attaching both my recent copy of my XXXX report, and a copy of my XXXX statement that showed I paid it.
Consumer complaint received 2018-05-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (KY)

Mariner Finance, f/k/a Personal Finance Company, has ruined my credit reputation and continues to do so. I fell on financial hardship, due to a medical leave in XX/XX/XXXX, which left me in tremendous debt. I was not offered workout options to help alleviate the debt I was accruing. Most lenders were willing to work with me. Instead, I received a complaint from Mariner Finance. The complaint contains the incorrect name and address. I called the attorney 's office in order to work with them, and have made my payments. I have not received merger documentation to prove that Mariner obtained my loan from PFC. I also have not been provided with an itemized statement of the charges on my account. I have been making my payments to the attorney 's office, and yet Mariner Finance continues to call to not only solicit me, but then to ask where my missing payments are. They are not in contact with the attorney that they hired to take the case. They have offered me a chance to refinance my loan with no payments until XX/XX/XXXX in XX/XX/XXXX via phone call, and then took the offer back due to the judgment on my account on the same phone call. Then, proceeded to ask where my payments were. I have made my payments, ON TIME, to the attorney 's office since I signed the agreed judgment. At this time, I am considering counter suing for lack of documentation, and emotional and physical distress. I can provide all money order stubs to prove payments are being made, and where the money is forwarded to. Why hire an attorney if you don't even communicate with them? This has been a very unprofessional experience, and many glimpses of false hope were provided. I do not think they should be soliciting me for a refinance, and trying to collect on a debt within the same phone call. This has been a very frustrating experience, and has left me feeling hopeless. I hope that nobody uses this company for a personal loan, and at all costs, avoid making the same mistake that I did.