davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

Quicken Loans assessed my mortgage account {$24.00} for a mortgage payoff statement when I did not request a payoff quote. After investigating, it turned out that while refinancing my primary residence the loan processor accidentally requested a quote for one of my investment property loans. 

I contacted Quicken Loans regarding the fee and asked for a credit on behalf of the loan processor who accidentally requested a payoff for the wrong loan. The Quicken Loans representative instructed me that they understand the situation but unfortunately can not remove the fee from my account. 

I just do not understand why a loan servicer would be so firm in requesting fees from me for something I didn't request and was done in error on my behalf by a loan processor.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

There is verbiage on my credit file that is inaccurate, NOT TRUE and has caused me to get turned down. I am requesting help URGENTLY. This is FALSE information and the credit bureaus will not remove it.
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear CFPB, I am writing to file a complaint against Bank of America regarding their refusal to release my funds. I have repeatedly contacted the bank since XX/XX/2024 to address and resolve fraudulent charges that were permanently credited to my account. Despite providing a police report, my fraud claims have been denied multiple times, and I have been instructed to wait for reconsideration. 

Additionally, my account has been in the process of closure since XX/XX/2024. It is now XX/XX/2024, and Bank of America will not release my available funds until the fraud reconsideration is complete. This prolonged delay is causing significant financial distress. 

I request to pick up my funds directly from the bank instead of waiting for a check to be mailed. I seek your assistance to expedite the release of my funds and to resolve this matter promptly. 

Thank you for your attention and assistance.
Consumer complaint received 2022-04-04
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-05-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This complaint is the follow up and the feed backon the Company response on our earlier CFPB complaint XXXX. 
The following concerns remain unaddressed and unresolved. We claim .... 

1. After three months of investigation into our complaint, BOA did not address the main concerns in our complaint.The specifics of our complaints and documents have been provided to BOA on several occasions. 
2. BOA has breached several of regulatory codes governing the Banking and Brokerage services in the matter of handling our brokerage accounts. 
3. Mr. XXXX has provided false testimony under oath and has repeated the lies on matters which have been found to be false by their own investigations by BOA. 
4. XXXX and Mr. XXXX were engaged in setting up a bogus arbitration hearing in the pretext of a contrived and fabricated dispute between XXXX and XXXX. 
4. The company response is merely a compilation of previous correspondences and lies which have been refuted by their own investigatory team and the research report. 

We request that CFPB undertake an independent investigation into our complaints against, XXXX and BOA.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NC)

My federal loan servicer ( Great Lakes ) automatically enrolled my account in the CARES act, suspending my monthly student loan payments until XXXX XXXX, 2020. On XX/XX/XXXX, I noticed my credit scores with XXXX  & XXXX  both tanked by 40-50 points -- the only difference in any account payments has been my student loans. There was no indication from my loan servicer that this AUTOMATIC ENROLLMENT into the student loan forbearance program would sabotage my credit score - I would have opted out immediately had I known.
Consumer complaint received 2020-05-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hi, please help me with my concern. I saw BANK OF AMERICA on my credit report and I have late payments ( XXXX 2014 ) in my payment history, but they did not send any proof to me ... I repeatedly asked for it because I don't remember being late on this. Please help me.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (GA)

I have inquires that I did not authorize. I have called XXXX and Experian to get them removed and also the companies directly. I went to a dealership knowing exactly what finance company I was going to use in XXXX and without me giving approval they ran my credit through multiple companies and continued to run it months later in XXXX. I am not sure who was trying to buy a car in my name in XXXX of XXXX. 

The companies are : Experian- XXXX XXXX NO Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile XXXX XXXX Used Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Finance/Personal XX/XX/XXXX 2020
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (CA)

In XXXX of XXXX, I went to follow up on a deferment that I had requested in XXXX of XXXX from Ford Credit on my account # XXXX because I had noticed that I was being assessed late fees for every month even though I had been paying my lease payment on time. I was informed that the deferment was never processed even though I had information specific to the deferral that would only have been obtained if they had processed it. As a result, they admitted fault by removing all the late fees, but it still meant that I was one payment behind which would have been deferred if they had processed it. As a result of them not processing the deferral, they falsely assessed me a 30 day late payment and reported this to my credit bureaus. Regardless, I made sure my payments were current and sent them a letter requesting that they remove the 30 day late payment from being reported from my credit bureaus because if they processed my deferral in the first place there wouldn't have been a 30 day late payment. They refuse to correct this and I am reporting them so that they can correct their error. If they do not correct this error through this process, I will be pursuing legal action for the falsely reported late payment.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX XXXX  and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (CA)

I have reached out on numerous occasions to fix these issues. I have alerted the bureau that fraudulent accounts exist on my report and have went as far as filing an FTC complaint and yet still they have left accounts on.
Consumer complaint received 2020-05-19
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. (CA)

XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except XXXX  and Transunion. 

We would like XXXX  and Transunion to remove this late remark from both our credit reports since it is affecting our credit.
Consumer complaint received 2020-05-19
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. (PA)

In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our XXXX XXXX XXXX XXXX  and XXXX XXXX Home Equity Line of Credit. We attempted to resolve the issues with XXXX XXXX by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have XXXX XXXX or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but XXXX XXXX is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.
Consumer complaint received 2019-11-18
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: EQUIFAX, INC. (IL)

I reported the following accounts to the Credit Bureau of Equifax to be removed from my credit report. These accounts were fraudulently opened in my name and I submitted a a copy of a dispute letter, Approved XXXX Police department Identity Theft Report, a copy of my Drivers Licence and a copy of my Social Security Card. According to section 605B which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. This information has been added back onto my report, even though proof was submitted & also legal documentation was provided. These account need to be removed from my account immediately. No documentation was ever provided with my signature saying i approved of the opening of these accounts XXXX  XXXX  XXXX  XXXX/ Date Opened XX/XX/XXXX /Credit Limit {$150.00} XXXX  XXXX  XXXX , Date Opened XX/XX/XXXX High Credit {$19000.00}
Consumer complaint received 2019-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (FL)

I am responding to the below reply from XXXX XXXX because the complaint was closed before I had the opportunity. 

XXXX : The information you sent is NOT what I requested. I requested ALL loan documents, ALL of them, including the original promissory note. My loan was taken out in XXXX and the info you sent begins in XXXX. That is CLEARLY not everything. 

Secondly, I AM paying monthly and have been for quite some time. That amount is ALL I can afford. Would you prefer I completely ignore this loan and make no payments? That is a question I would like a response to. 

So, NelNet and XXXX are separate - I am filing SEPARATE complaints. Why are you receiving both of them??? 





Dear XXXX, Thank you for your inquiry regarding your federal student loan account with Nelnet Loan Servicing. The Consumer Financial Protection Bureau ( CFPB ) forwarded your inquiry to us for a response. We understand your still have the following concerns : 1. You received a response from the same person, but the complaint was for two different companies. 2. You requested the documentation by U.S. postal mail, however, they were sent on the CFPB portal. 3. You have been making payments through your bank. You are requesting clarification that payments were received. We previously serviced your Federal Family Education Loan Program Consolidation Loan. This  loan has defaulted and will soon be transferred to your guarantor, XXXX XXXX XXXX XXXX ( XXXX ). Issue 1Same person answering for two companies : When a complaint is submitted through the complaint portal on CFPBs website, they forward the complaint to the company that should answer the complaint. We received both complaints, and answered accordingly. Nelnet Loan Servicing is a separate business from XXXX. Issue 2Documents requested by U.S. Postal Mail : On XX/XX/XXXX, we mailed the documents you requested. Issue 3Payments received : We previously explained your loan was subject to default due to nonpayment. While we have received some payments, the payments were not sufficient to cover the required monthly amount due. Beginning XX/XX/XXXX, your required monthly payment was {$64.00} as reflected on your monthly billing statements and payment schedule. Since XXXX, youve paid less than what was due each month. Because the minimum payment was not satisfied on a continual basis for more than 270 days, you defaulted on your repayment obligation and your loan will soon be transferred to your guarantor, XXXX, for collections. We attached a copy of your payment schedule and payment history, and mailed copies to you as well. We hope you find this information helpful. If you have any other questions, please call us at XXXX, between XXXX XXXX to XXXX XXXX ( Eastern ) Monday-Friday.  You can also visit our website at Nelnet.com or email XXXX. Sincerely, XXXX XXXX Nelnet Loan Servicing Attachments ( 2 ) : Payment history Payment schedule ATTACHMENTS XXXX XXXX XXXX ( 28.1 KB ) XXXX XXXX XXXX XXXX ( 180.2 KB )
Consumer complaint received 2022-08-01
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2021-03-30
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: DISCOVER BANK (NY)

I have been a long time customer of Discover for at least years no late payments. I'm in the process of making a large purchase and reached out to my credit card company which i am in good standing with for fours and asked for an increase of my credit limit and they refused without a valid reason and when i questioned it. I was told the system makes the decision. I ask to appeal this decision because it doesn't fit my history with Discover and i was given the run around by the representative and was told i would get a call back from the manager after i let a message on XXXX  and called out Discover for their algorithm discrimination practice. Discover has failed to respond to my request.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-06-05
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. (FL)

15 u.s.c 1681 section 602 A. States I have 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 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PCR Group (TX)

To whom it may concern Under XXXX XXXX XXXX XXXX Permissible purpose of consumer reports ( A ) In general Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX Never gave XXXX, XXXX, or XXXX Any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning Account Listed below as a consumer. I am demanding deletion of these accounts. 

ACCOUNT ADJUSTMENT BUR account number XXXX
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CO)

I requested my credit card be closed and US Bank completed this, no problem. 

However, I received a letter than included the following language : " It is your responsibility to cancel any preauthorized charges such as insurance or online charges billed to this account. Otherwise, these charges may continue to be accepted and billed on this account. '' This policy is completely contrary to my CLOSING the account. I don't recall every online provider that may decide in the future to charge the card on file. 

This is simply not fair. I close the account, the account should be CLOSED. 

Thank you.