davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am writing to formally submit a complaint against XXXX XXXX for the following reasons : XXXX XXXX XXXX  has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void. 
XXXX. I also want to report a breach of contract with fXXXX XXXX in regards to my security deed I attempted to resend my security deed because I never gave XXXX XXXX consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave XXXX XXXX consent or provided a gift of convenience to my security interest. 
XXXX. XXXX XXXX XXXX has reported inaccurate information regarding my account to the three credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
4.misuse of Federal reserve loans I'm concerned thaXXXX XXXX XXXX may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account. 
XXXX. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.
Consumer complaint received 2022-07-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AR)

In XXXX of XXXX I was told my escrow account had a shortage of {$3300.00}. Due to them paying two insurance bills. Which I paid back one of them, that was the {$3300.00}. I was told repeatedly that my monthly mortgage would not go up. XXXX my payment was normal but for XXXX it is up over {$100.00} again. I called back multiple times on XXXX and was told many different numbers. First {$370.00}, then {$670.00}. Finally after many calls to supervisors I got a woman who was very kind and explained it was actually going to be another {$1400.00}. I repeatedly asked if the shortage was for taxes or insurance and the supervisors couldnt tell me that my taxes also went up. I had to find that on my portal statements. Now they are saying that it is because of the required reserves of {$1000.00} plus what is projected to be negative. When I pulled up my online account statements I do not even have XXXX. I have 2 for XXXX and one for XXXX. Also the bottom of my statements where it shows what I need is not showing {$1400.00}, it is showing {$670.00}. There is absolutely zero way for me to prove that I am not overpaying or that my reserves were even depleted or where it went. The woman also told me there is no way of preventing this again. I am not assured that I will not be over charged another almost {$5000.00} in the future. When I asked where the shortage was coming from the first 4 people couldnt tell me? It is abundantly clear this company is not competent in escrow nor money management. At this time I have paid a shortage of {$3300.00} in XXXX and yet another {$1400.00} today XXXX. How did my escrow account get so upside down, and who will be held accountable?
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Received emails from bank of America receiving an application, it being approved, and an account being opened, and the email being changed. Tried calling and got nowhere with there automated phone prompts. Emailed their abuse and security emails, no response yet.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (IN)

I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. Santander Consumer never sent me a XXXX and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!
Consumer complaint received 2023-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

My loans were transferred from Great Lakes to Nelnet. In over 10 years I have never had any issues with Great Lakes. Since my transfer to Nelnet I have not been able to get in contact with any customer service representative. I have made numerous calls, placed on hold for an hour, only for the call to end. Over the last 2.5 months I have not been able to speak to anyone. My loans with Great Lakes was sent to autopay at {$2200.00} per month. My account was supposed to transfer over my repayment selections. Nelnet is only taking out {$150.00}. Their website does not allow me to make any adjustments to my payment amounts. As a result I have accrued a significant amount of capitalized interest that otherwise could have been avoided if I could simply update my repayment amount.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I am writing to dispute a hard inquiry that appeared on my credit report. According to my credit report, a hard inquiry was made on XX/XX/2022 by XXXX XXXX XXXX. However, I do not recall authorizing this inquiry, nor have I had any dealings with this company. 

I am requesting that this inquiry be removed from my credit report, as it is negatively impacting my credit score. I have attached a copy of my credit report for your reference, highlighting the inquiry in question. 

As you may know, hard inquiries can have a negative impact on credit scores, and I am concerned that this inquiry may harm my creditworthiness. I have taken great care to ensure that my credit report is accurate and up to date, and I would appreciate your assistance in resolving this matter. 

Please investigate this inquiry and remove it from my credit report if it was made in error. This inquiry was not authorized by me, I request that you take appropriate action against the company that made the inquiry.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (IL)

Recieved XXXX voicemails with people claiming to be from American Express, I call the company directly, there was a fraudulent application in my name, so I told them to cancel it and that I did not do it.
Consumer complaint received 2022-11-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unlimited Progress Corp (IL)

I have a debt collection letter I got " Creditors Discount & Audit CO., INC. '' for a medical bill I have already been paying on and have very little left to pay at this time. When I called to get information and dispute it, I was given very vague information that I need to provide proof of payment, which I need much more information for, but before I got to getting specifics I had also commented that I am not comfortable that I was sent a very detailed itemized list of medical information from this collections agency, which if it is in fact mine seems to be a huge breach of my privacy. The person I was speaking to seemed to get pretty angry at this concern and told me it doesn't tell them any specifics, but I assured her that this is a very detailed list of medical information I am currently looking at right now, to which she replied she was " done with this conversation '' and immediately hung up on me. How am I supposed to go about disputing this bill collection or handle it in any way if I am being attacked on the phone by these people that need to help resolve this? I am always calm and collected never raising my voice yet this person immediately flew off the handle on me at the very first bit of pushback on the claim.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MD)

The company has received a credit card debt from CITI back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.
Consumer complaint received 2022-07-15
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. (MS)

In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX, XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXX In accordance with the Fair Credit Reporting Act, these listed accounts have violated my rights : XXXX XXXX XXXXXXXX XXXX  Account number XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account numbers XXXX and XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX 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 an account without my written instructions.

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 an account without my written instructions.
Consumer complaint received 2022-07-12
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: Experian Information Solutions Inc. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX Medical XXXX Balance : {$180.00}
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

re : stolen check from XXXX, forged and presented to XXXX XXXX XXXXXXXX. illegally cleared personal account by Wells Fargo.-not properly endorsed. 

On XX/XX/XXXX or XX/XX/XXXX, a check that was written to our mortgage processing company and placed in the XXXX XXXX, Ca at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. The check was stolen from the post office and a signature was forged. The check was then presented to a XXXX XXXX XXXXXXXX XXXX one is unknown as that information is not released to me. It was either cashed or deposited by XXXX and then cleared by Wells Fargo Bank at which point the funds were withdrawn from my account. This happened XX/XX/XXXX. 

We were notified XX/XX/XXXX that the mortgage company never received the check. We immediately filed a complaint with Wells Fargo and closed the compromised account. We then began the process of filing paperwork to go forward with reimbursement. 

( We have also subsequently opened a Criminal case with the XXXX XXXX XXXX XXXX XXXX # XXXX and filed a report of fraud with the XXXX XXXX XXXX XXXX # XXXX. ) We still do not have our money. It has been XXXX weeks! All documentation I have read states that the funds should have been returned within XXXX business days after the claim. I have called the Occ ; the District Attorneys office ; The FTC and the legal team at XXXX... all to no avail. We were not involved in the chain of error. XXXX should not have accepted the check, and XXXX should have never cleared the check against our account. Again, it has been XXXX weeks! 

No information has been provided from XXXX XXXX XXXXXXXX concerning this. We have also not received and calls initiated from XXXX. The only follow-up we received has been due to my self initiated calling into the XXXX call center where I am informed that Wells Fargo sent the complaint over to XXXX XXXX XXXXXXXX and they are awaiting a response. 

I understand that XXXX and XXXX XXXX XXXX  need to work this out, yet they are holding my funds hostage. We were not in the chain of error here! We have suffered financial hardship due to this as the check was written for a large sum of money. The only thing we hear from XXXX is that IF XXXX reimburses them, then the will reimburse us. This is our money. Please help us get these funds returned to our account.
Consumer complaint received 2022-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

Dear CFPB, I am writing to dispute the following information that XXXX XXXX XXXX and XXXX XXXX  supplied to Experian, XXXX, and XXXX. I have attached the item I dispute on the attached copy of my credit report ( s ). 

This item XXXX XXXX XXXX is inaccurate because this account was paid in full, and the equipment was returned to the company am requesting that XXXX XXXX XXXX have the item removed. 

I contacted Experian several times to try to get assistance from them and was not successful. They responded that they had submitted all the documents to XXXX XXXX  and when I spoke to XXXX XXXX and notified me that they didn't receive anything from Experian. ( I have attached a screenshot of how many times I submitted the dispute without resolution. ) I contacted XXXX  XXXX  and notified them that the debit of XXXX dollars was invalid because I returned the equipment, and the account was paid in full. They responded that this was not for equipment its for an unpaid bill. I asked them several times to send me proof of nonpayment, and they refused to do so. 

I contacted XXXX XXXX XXXX and spoke to several representatives, and when they looked into the account and verified that the equipment was returned and that it was paid in full but didn't want to do anything about it. 

I also have attached an email from a different debt collector where they attempted to put in collections for the same account but dropped it because they investigated the account and found that I did return the equipment and paid in full. 

I will be attaching what I have sent to Experian. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following accounts : Acct name : TD BANK USA/TARGETCREDIT Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. During the time this account was open, I was suffering from XXXX XXXX XXXX and XXXX and had a caretaker taking care of my things. I have reported the perpetrator to the FTC as instructed. 

I still have not received written confirmation of these actions.