davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (NY)

The Company refuses to release my free annual report under false pretenses of identity problems. They had mailed to me correspondence having to do with a dispute?? I have not been able to dispute any information in absence of being provided a free annual report to review. To help the company identify me here is my full SS # XXXX. My NYS Drivers License number is XXXX. 

It appears Lexis Nexis does not want me to know the potentially false information they created about me that was used against me, for example when they furnished XXXX car insurance false information or executed a closing of my auto policy with no reason given when I went to pay. Not only did my insurance get cancelled, Lexis Nexis made sure that I could not seek insurance under a different NYS carrier by some information which prevented another insurance agency from opening a new policy and or premiums that were in the thousands to insure a XXXX XXXX XXXX for basic NYS Statutory insurance. I found out about the cancellation when I went to pay in XXXX XXXX XXXX XXXX XXXX whereby XXXX XXXX refused to accept my payment at XXXX XXXX XXXX XXXX. He informed me my policy was cancelled and when I asked him why he did not provide a reason and even my written correspondence directly to XXXX I was not provided a reason. When I had requested NY insurance agents XXXX XXXX and XXXX for a quote at that time they relied on LEXIS NEXIS. XXXX XXXX refused to insure and the XXXX quote was an astronomically high amount of premium required to insure basic XXXX liability for a XXXX XXXX XXXX There were no logical reason for this cancellation - major DMV violations, injuries, felony judgements or any insurance accident payouts of significance that would cause a high premium quote or refusal to insure. Information was obviously fabricated and to this day I still do not know the reason for the sudden cancellation.

This cancelation prevented my daughter XXXX from driving my can due to the inability to secure new insurance and unaffordability of new insurance. The car remained off the road and my daughter was upset and demobilized. Lexis Nexis financially weaponizes the data information
system they created with XXXX XXXX carriers either in collusion with the Insurance carriers or independently. It is a covert way to disrupt your life using false and or misleading information the XXXX XXXX XXXX  use and act upon furnished by LEXIS NEXIS.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NY)

I had a negative balance of more than {$200.00} on my checking account. I tried to explain to Citibank that I was unemployed and that I could not pay off the balance. There was no solution in place
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Law Offices of Robert J. Colclough, III (MA)

I rented a car from XXXX  XXXX XXXX  XXXX in XXXX XXXX on XX/XX/XXXX. I paid the invoice by credit card upon returning the car on XX/XX/XXXX. In XXXX, XXXX a collections/non-payment report was put on my credit report at XXXX  by Allied Collection Services of California. I provided a copy of my invoice and credit card statement to XXXX  and to Allied Collection Services of California. They have never provided me with anything in writing, will not answer my calls, and will not return my calls. Allied Collections keeps verifying that the charges are accurate to XXXX, where I am disputing the charges. 

I have only rented from XXXX  that one time. These are the only charges that I have incurred from XXXX.
Consumer complaint received 2016-05-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (VA)

My monthly student loan payment went up over 3x ( from XXXX to XXXX ) with only normal statement notification. The reason for the increase is my failure to recertify my " Income Based Repayment '' payment plan. I was never alerted via XXXX mail about these changes - I was only given " paperless notification '' that was available via the servicer 's website. When I 've tried to call the servicer to discuss my situation, I have been put on hold for extended wait times ( one time over 30 minutes, and then this morning for 15 minutes ).
Consumer complaint received 2024-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (TN)

From XXXX, XXXX to XXXX, XXXX I've received several text messages along with letters from WakeField & Associates XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) about the account XXXX they have on file, in which they say that I'm responsible for {$1100.00} owed to them. Ive reached out via phone XXXX to verify account and also sent them a letter via certified mail XXXX requesting a copy of an actual contractual agreement between myself and WakeField & Associates for the said amount owed to them. For the record, no such contract exist between me and said agency
Consumer complaint received 2016-04-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings (OK)

Under Oklahoma law I am eligible for a EPP ( extended payment plan ) for my payday loan with Speedy Cash. ( My bank is XXXX ) Speedy Cash refused an EPP because they said even though Oklahoma XXXX allows unlimited EPP 's their company policy only allows one per year. So, I asked them to hold my loan a week and they refused that as well. The representative advised me to stop payment on the loan then make a payment plan ... .can you imagine?? I 've never stopped payment on anything in my life. If Speedy Cash is n't going to follow Oklahoma Law they should n't be able to operate in the state of Oklahoma.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

1.XXXX XXXX XXXX XXXXXXXX account XXXX in the TRANSUNION credit report dated XX/XX/year> this account is marked as derrogatory in the account status and it is a totally incorrect information input. Please correct and change the account status to paid or delete the account. 
2.Last payment date discrepancies 3.Current payment status discrepancies 4.Remarks discrepancies 5.Closed date discrepancies Attached are the two reports from XXXX XXXX dated XX/XX/year> one from TRANSUNION and other from XXXX as prove to show that the transunion report has a lot of innacuracies In accordance with 15 U.S. Code 1681i ( 5 ) ( A ), ( i ), ( ii ), ( B ) ( i )
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Accurate Background (CA)

I havent been charged Or convicted with any felonies or misdemeanors they have wrong information on search IDs XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 


Also on XXXX I wasnt convicted of this so I shouldnt have this on my record while this one says pending This been preventing me from getting a new job
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: KEYCORP (OR)

XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Ohio XXXX RE : Case XXXX Dear XXXX : I spoke with you on or about XX/XX/XXXX about not being able to get my XXXX back from Key Bank which was to be used as a hold or initial payment to open a XXXX XXXX XXXX Account. This is a year long program. I did not start this until XX/XX/XXXX not XX/XX/XXXX as per the statements that I was able to print off from my account on XX/XX/XXXX from your website. I suspect that this was forged. For some reason, your website would not allow me to print off the actual statements from XX/XX/XXXX through XX/XX/XXXX but I do have that information because I printed it all off several months ago. Additionally, your office was kind enough to send me copies of my statements and they all correlate with the fact that I started this program in XX/XX/XXXX and ended it in XX/XX/XXXX. They did not send me anything from XXXX because I did not open this account in XX/XX/XXXX. Very Strange. 

So, what did you come up with? The bottom line is this, I could not have opened this account if I had not given Key Bank the XXXX to HOLD until I completed the program. I paid for everything just the way I was supposed to. Infact, I believe that I over paid a few times and never was compensated even though I brought it up several times to customer service but they ignored me. 
This is probably why they gave me a so-called gift of XXXX on my checking account on XX/XX/XXXX. I mean, what bank gifts you money unless they did something wrong? 



This whole thing is just wrong in so many ways and I do not understand why Key Bank is so stubborn about it. It really makes no sense. If there is something I did, they need to explain this to me. Key Bank had several chances to explain to me as to why they would not give me back MY XXXX dollars which was basically a form of collateral to be paid back to me after I completed the year long program. 

I need an answer to this issue ASAP. I filled out another form online asking for you to respond by XX/XX/XXXX or I would go ahead and report this to the XXXX XXXX XXXX XXXX. I am going to go ahead and do this now and file a complaint with The Consumer Financial Protection Bureau. I cant sit around waiting any longer. I am low income and XXXX means a lot to me. I want it back immediately. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau
Consumer complaint received 2020-07-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There was a late payment marked on my report several months ago. It was late due to being a XXXX  dealing with XXXX. I requested it be removed, but it has not been.
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION (GA)

Hello, i applied for paycheck protection program on XX/XX/2020 loan thru XXXX and XXXX XXXX. it got approved on XX/XX/2020 and deposited on XX/XX/2020. But they deposited it into the wrong account. It was supposed to go into the account that was on the loan documents. But XXXX and XXXX XXXX deposited it into another account that wasnt on the loan documents. Navy federal credit union has debited all of the ppp loan proceeds on XX/XX/2020 from my checking account that it was depositedinto. I called them on XX/XX/2020 and they wont reverse the debits. 

Can they do that? this is a federally protected program right? 

I told navy federal credit union that it was for a paycheck protection program loan and that it had to be used for the payroll. They didnt care at all about it. They said i owed them. I need help in getting this matter resolved. 

Attached you will find the loan docs. And a screenshot of proof of what i am saying
Consumer complaint received 2024-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (AL)

In the last XXXX days I made multiple efforts to contact my mortgage services to review some of the banking information in my file. Each time I call I fine myself in what can only be described as a computer version of XXXX. It is impossible to speak with a live person. I sent a secure message to the company and received a response designating a phone number to call for service. I called that number an found myself in the same computer voice XXXX. I gave up after some XXXX minutes, only to go on line, research the company, and find dozens of reviews indicating the same problem. Not being able to talk to a live person at the company holding a mortgage on your home is a serious matter. Not being able to verify a mortgage company has correct payment information on record is also a serious matter.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

It shows that I had one late payment for XX/XX/2014 which I was never late. 
And I always have made a good payment with all the creditors so please review the information and remove the late payment from my credit report. 
Thanks
Consumer complaint received 2015-10-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

Loancare services my mortgage for XXXX XXXX XXXX. XXXX owns Loancare. I am trying to find information to help me decide about refinancing my mortgage, and Loancare has not responded to XXXX of my information requests for which their answers would be crucial in my decision-making process. My first request was bout when I would be able to stop paying MIP HUD-monthly payments based upon a new FHA home appraisal I had. My second request was for information about how to receive any refund I am due for Up Front MIP I paid on my loan if refinancing to a new FHA loan. Neither request has been responded to. All I have received are XXXX automated emails with ticket numbers saying I would have responses within 10 business days. More than 10 business days have passed. 
Attached please find original email request of each to Loancare. Each was assigned a ticket number and is listed on their automated email response.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I have no clue what this is. I've never been contacted by this company/medical center. 
I've never been to this medical center or sought any sort of medical treatment in NJ. I have never been to a XXXX. 

Status : Date ReportedXX/XX/2020 Payment Status : Collection/Chargeoff Account StatusDerogatory Amount Past DueNot Reported Account Details Bureau NameI C SYSTEM Original LenderXXXX XXXX XXXX XXXX Account TypeNot Reported ResponsibilityIndividual Age Of Account3 Years, 6 Months Credit LimitNot Reported Highest Balance {$640.00} Payment Details Amount Past DueNot Reported Date of Last PaymentNot Reported Monthly PaymentNot Provided Payment FrequencyNot Reported
Consumer complaint received 2020-05-15
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: Experian Information Solutions Inc. (MD)

as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX  that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...
Consumer complaint received 2020-05-15
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. (MD)

as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..there is also a car loan from XXXX XXXX XXXX that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...
Consumer complaint received 2024-05-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Lightning Mortgage Holding Company Inc (AZ)

In XX/XX/XXXX th of 2024 I started a refinance for my house to pull out some cash, i worked with XXXX XXXX XXXX  XXXX with XXXX XXXX NMLS : XXXX, i asked whether it was possible to do because ive had yet to live in my primary addres a full year and didnt want to go throught it without it being too soon, XXXX said it should not be a problem and that we may proceed. So we proceeded back and forth got everything turned in and on the last steps got an appraisal and i paid for it out of pocket about XXXX dollars and i was ok with that. A week later had not heard anything and i contacted XXXX and he then said that FHA declined app due to me not living there for a full year and that we would have to resubmit application and appraisal and i needed to pay another XXXX for appraisal again. I talked to them about that fee being waived or discounted because it is their fault they misinformed into applying sooner rather than later and now i have to pay about a XXXX dollars XXXX  due to their mistake or misleading sales conduct. I want them to refund me what i paid for the second appraisal and i only think its fair since they mislead me with being able to procceed and saying that it should not be a problem applying the first time i did
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (NY)

I recently paid off my full balance on my credit card only to have Comniety Bank lower my credit limit from XXXX to XXXX. I called to inquire and I was told that this was because I asked for 2 billing cycles pause payments due to Covid-19. I explained that I believed this was done wrongfully because this was part of the cares act. They then quickly changed it and said it was the banks decision based on my credit. I explained that I had done with a few of my credit card but then decided to pay with some cash I had. The women on the phone then told me she could deposit an increase. I declined and decided to close my account. I feel they are not doing things correctly and this warrants a complaint.
Consumer complaint received 2020-05-15
Product: Mortgage — FHA mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CARRINGTON MORTGAGE SERVICES, LLC (MA)

When my mortgage was sold by XXXX XXXX XXXX  to Carrington.Mortgage XXXX XX/XX/2020, my credit score plunged 88 points, delaying my plans to plans to install solar panels on my roof. I called XXXX and Carrington. XXXX said it couldnt help and Carrington said it was normal for credit to drop that much and it would rebound in 60 days. Its XX/XX/XXXX and it hasnt come back by 88 points. I havent missed a payment, even during the Corona Virus. How can this be right? I didnt ask XXXX to sell my mortgage, yet my credit was ruined by these to companies. 
Please help. 
Thank you, XXXX XXXX.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Diversified Adjustment Service, Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 
15 U.S.C 1681 section 602 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 a account without my written instructions
Consumer complaint received 2022-08-13
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2020-05-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (GA)

I noticed a suspicious trail of mortgage emails this morning at XXXXET. I made contact with the mortgage broker, loan officer and with no success emails or phone calls were unanswered. I seen where a mortgage loan was being processed in my name.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AZ)

I had opened the US Bank account with the promotion ( {$150.00} promotion ) if i meet the required conditions ( like direct deposits of {$500.00} or more etc.. ) - all the terms and conditions are met now. The promotion code was applied and the account was opened before the XXXX XXXX ( promotion deadline end date ). When i am inquiring about my promotional bonus - I am getting excuses from them that something is missing ( like account type is not the promotional account type ). The account type is silver checking which is covered. But i do n't see that bank is willing to offer the promotional bonus of {$150.00}.