davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FULTON FINANCIAL CORPORATION (MD)

First of all I want to say that CFPB does an amazing job for our country and I'm sure you're helping even more these days with the pandemic going on. 

I'm complaining about a series of mistakes made by Fulton Bank which are preventing access to my money. 

I opened an account with Fulton Bank in XXXX of XXXX. I opened the account with a deposit of {$150.00}, made {$5.00} in debit card purchases, and earned a {$25.00} bonus for a total of {$170.00}. The balance remained at {$170.00} until XXXX. 

I logged in a few weeks ago to close the account and noticed there was over {$2000.00} in it. I determined that someone else had somehow used my account number to link with their XXXX account, and passed verification, evidenced by two small < {$1.00} " verification '' transactions in XX/XX/XXXX. There were many deposits and a few withdrawals. 

I called in, and this is when the unpleasantness began. 

I said I simply want my {$170.00} and don't care about the rest. They said they have to start an investigation. They made me go to a branch on XX/XX/XXXX to sign about 20 forms, one each for the transactions that weren't mine. They said they would get back to me within 24 hours. At that time, I asked if I could withdraw {$170.00} and they said I could not. 

Today ( XX/XX/XXXX ) I got a call asking me to go to a branch and sign the dispute forms. I said not only did I sign them already, I have photocopies, so what are you talking about. The caller seemed confused, then apologetic. That's when I decided I needed to make a complaint. Fulton Bank has been holding on to my money, even knowing that A ) I want it back B ) I'm being 100 % honest about the rest of the money which isn't mine and C ) I have done everything they asked me to do promptly. 

I'm very upset that not only have they allowed improper access to my account, but they have lost the paperwork I went out of my way to sign, and on top of all that are preventing me from accessing my own money. 

I feel like I am being punished for doing the right thing. I can think of multiple other ways I could have handled this situation that would have allowed me immediate access to my money and far fewer headaches and I am very upset with Fulton Bank. 

You may also want to investigate XXXX and how they allowed the account to be " verified. '' Did the other person have access to my bank account? Did they guess correctly? ( 1/1000 chance ) Does XXXX actually ignore that test when allowing linking? Either way I want my money back and I want it ASAP.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit, Inc. (CA)

Re : XXXX Customer Service Center I renewed my XXXX Lease ( traded in XXXX XXXX XXXX  for a XXXX XXXX XXXX in XX/XX/XXXX ). I normally have my lease payment set up on autopay and I was under the assumption that nothing would change with the new lease starting since it was still with XXXX and it was a simple swap. It was not until I noticed that a paper bill showed past due that I realized something was wrong. At that time, I immediately scheduled the full payment to catch up the bill to be current on XX/XX/XXXX ( only 34 days late for the XX/XX/XXXX payment ). I then went and made sure that it was again set up for autopay later in XXXX. Prior to this paper notice, I never received any notices or warnings or any sort of information that would let me know that XXXX would report a late payment to the credit bureaus, especially for a payment that was 34 days late and was paid in full immediately. 

All I am requesting is that this late payment be removed from my credit report. I have no other late payments or any blemishes on my report and I do not feel that XXXX handled this situation with any sort of professional due diligence. Had I received a phone call or anything of that sort, I would have paid it immediately, but no communication was received until it was too late and I was never informed of the late payment being reported until I was attempting to refinance my home and the mortgage broker let me know.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (IN)

In accordance to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2020-05-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OK)

On XX/XX/XXXX i went online to make a payment. I received my SSD  earlier and wanted to get my car payment made. I moved the date to make it come out on the XXXX. I get notifications from my bank and it showed the XXXX had come out 2 times. I called right then. The man said he would expedite the claim. I should have my refund in 7  to 10 days. By mail. LIE. I told him i needed it back by the first coz that money goes for rent. 
I called again on XX/XX/XXXX XXXX. I was told they had to put a 10 day hold on my payment to make sure it cleared the bank. It came straight out. Said they would get it in the mail. 7 to 10 days. LIE I need this to pay my rent. 
I called XX/XX/XXXX XXXX Where's my money. It was mailed. Should be there soon. LIE Called XX/XX/XXXX XXXX. Rents due. 
It was just mailed XX/XX/XXXX. Give it 7 to 10 days. I dont have that long. I asked them to stop payment and over night. Cant do it. I was really ugly. Im sorry. 
I have also sent 2 emails through the app. One was today XX/XX/XXXX. 
Now i cant pay the full amount for my rent. Im on XXXX. Limited income.
Consumer complaint received 2022-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi, I can't believe you guys are taking advantage of me. 
I sent a letter regarding inaccurate info and unknown things being on my credit report to transunion 60 days ago. I have not received as response yet and seems as if my disputes being ignored I sent a letter, I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
XXXX XXXX XXXX Account Number : XXXX You are violating my rights. I will seek litigation if this item isnt deleted immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately
Consumer complaint received 2021-07-26
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. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XXXX. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-07-26
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. (NJ)

I am writing this complaint to the CFPB because I have had a lot of issues with the equifax, XXXX, and XXXX. I have sent several letters to the credit bureaus in regards to violations of fraudulent activity that have been reported to my credit bureau profile. It has been over 30 days and i have not heard anything back in regards to my concerns. By law I should have heard something by now my demand is that all of the violations on my report included in the letters that I will provide be deleted immediately.
Consumer complaint received 2021-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Higher Level Processing (PA)

Higher Level Processes charged me for work that had already been done by my loan servicer and charged for a FREE service. 
Higher Level Processes charged a fee to recertify my student loans, recalculate a new loan, document preparation, program switch, etc. {$210.00} payable monthly for 6 months and then a {$39.00} annual fee. 
My loans had already been recalculated by my loan servicer, no charge. 
I thought that Higher Level Processes was a legitimate company because they already had a lot of information. They may have compromised my loan servicer account or my FSA account
Consumer complaint received 2020-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I paid off my credit card on XX/XX/2020. I went by exactly what was owed. Today I called to make sure nothing was charged on my card and found out that there was a finance charge on my account for {$3.00} that posted on XX/XX/2020. I called and spoke with a representative who informed me that it's called residual interest. He stated that residual interest accrues when I don't make a payment in full. I informed him that I make payments on time and I pay above the minimum amount due. But he kept trying to explain something else to me which sounded like a bunch of XXXX!! I used Capital One 's voice prompt machine or whatever you call it to make my payments, always have. When I called to make my final payment the machine gave me what the statement balance and current balance was. That amount was {$270.00}! Not once was residual interest mentioned when I made my final payment. That residual interest that they charged me and might charge me again next month is a way to make money off of us when we pay our accounts off. I'm not paying that and I want it removed from my account.
Consumer complaint received 2020-06-16
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act, XXXX has violated my rights under the law 15 U.S.C 1681 Section 602A - I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604A ... .Section 2 - A consumer reporting agency can not furnish an account without my written instructions. The following account numbers have violated my rights under the law 15 U.S.C 1681 Section 602A and 15 U.S.C. 1681 Section 604A : Collections Accounts : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2022-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

Around XX/XX/2022, my bank account was used in both my checking 's and saving account. For my savings account someone did a wire transfer of XXXX dollars into my checking 's account, but was not authorize by me which made me disappointed that someone gave permission to authorize that money later one the person got a hold into my card and used it for XXXX 's pay while I didn't even notice until the next day that I went to check my bank account. I reported these transactions several times now and they are still denying my claims even though I have not authorize anything nor gave my information to anyone. While I went to go report these claims the workers did not help me at all they denied my claims and moved me around everywhere worst customer service ever some employees were nice and to help me more about the situation. like in one instance I talk to the banker about my situation and i told her about the document they sent me about they could not fine the person who used my card in the atm. The executive lied to me and said they cant check because it was a digital app so they cant even bother checking the cameras and I talked to the XXXX company and they said that the bank gave permission to the person and now I cant get my funds back to the person who used my card and spend on things that I never purchased. It has been 4 months and I am not proud of how wells Fargo has helped me I just want my funds from the person who stole from my account because I told them so many times that it was not me that someone got a hold to my account and they can't do anything and even if they did they did it in the worst possible way. I got all the documents and letters they sent to me but I am not happy at all.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (MI)

Received a phone call today, just recently added this phone number to my name. 
Did not answer the call and no voice message was left, however as it showed on caller I.D . to be a local number I called the number back. The message stated this was XXXX XXXX and is a debit collector and attempting to recover a debit. How ironic, because I filed Chapter XXXX Bankruptcy last year and they were on the list of creditors. They did not attend the meeting of creditors in XXXX of 2019, and the Bankruptcy was Discharged in XXXX of 2019. When a woman came on the line she informed me the call was being recorded, good I told her because there is no reason for them to be calling me. Told her my Name, I completed Bankruptcy and they are making a mistake calling me and to NOT call my number again. 

This is a terrible organization, they even attempted to garnishee my wages even though they would told several times I was filing Chapter XXXX Bankruptcy. They even mailed my employer at the time the order to garnishee my wages. 

They need to held accountable for their actions, and maybe the call to me was in error. I will keep records of any further contact from them.
Consumer complaint received 2024-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

I received an email about my income driven repayment plan recertification almost two weeks after the original due date and less than 30 days before the extension of the deadline. MOHELA did not even give me a prompt reminder that there would be a recertification coming so soon like a month or so beforehand. I'm concerned that they are trying to put my repayment plan and status in jeopardy due to bad information coming through their official emails.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021, Chase Bank allowed a transfer from savings to checking in amount of {$60000.00}. On the same day a fake check was written forged and cashed in the amount of {$57000.00}. This check was processed at CHASE BANK. I was not notified about this transaction nor was my Mom and we had a limit set on the account. This check was dated for XXXX. Please note the DATE of the check. 
On XX/XX/2021 another phone transfer occurred in the amount of {$20000.00}. There was a second fake forged check processed by CHASE BANK on the same day in the amount of {$22000.00}. 
On XX/XX/XXXX I noticed when I went to pay my bills that I had minimal funds in both my checking and savings account. I notified Chase Band immediately who then contacted claims and directed me to file a police report. I filed my police report on XX/XX/2021 and have been trying to work with Chase to get my funds returned ever since. 
The representative from Chase Bank ( local branch ) from the beginning said I would have funds in 3-5 days. It is 21 days since I contacted them and they now are saying that this situation was beyond THEIR control at the local level. Now the XXXX XXXX, that has just seen the case states that it could be XXXX days, that I can not get my insured money returned until they have gotten the money back. It has only been this week that we were told it was escalated to the level of the XXXX XXXX ( XXXX XXXX XXXX XXXX ). Now we were told it could be longer. 
I can not wait that long! This was all of my savings!! I have rent, car payment, credit card bills to make. I am working as a XXXX / XXXX XXXX XXXX and in school. This has been so stressful and it is the bank that allowed these transactions to happen. The bank that I trusted with my hard earned money violated my trust. 
This should have been prioritized from the very beginning! It took two weeks of being dragged along at the branch level before they presented this to the escalation committee. 
Where is the concern for my welfare?? My cash is gone! How am I to hang on for another 3 months before this is resolved. Does the consumer/ customer have any rights at Chase Bank . PLEASE represent me and my consumer rights with this company.
Consumer complaint received 2023-01-09
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (NJ)

I was granted forbearance by Freedom Mortgage in accordance with the CARES Act during the pandemic. I was an essential worker at the time. Coming out of the forbearance, I agreed to a loan modification. I submitted the appropriate paperwork to Freedom Mortgage on XX/XX/XXXX of 2022. I called frequently to ensure I had submitted the proper paperwork to them and was assured that I did. Many months later, I was asked to re-submit my loan modification paperwork. I complied and submitted my paperwork a second time on XX/XX/XXXX of 2022. I again called Freedom Mortgage frequently to ensure I had submitted the proper loan modification paperwork. I was again assured that I did. To my surprise in XXXX, I called my payment into Freedom Mortgage as online payment was not an option. The customer care representative stated that my mortgage had moved into pre-foreclosure. I have never missed a payment to Freedom Mortgage. I've maintained my mortgage in accordance with the stipulations outlined by my forbearance and loan modification option and was being told my mortgage was in the preliminary phases of being foreclosed upon. I submitted loan modification paperwork for a third time on XX/XX/XXXX of 2022. I have called multiple times since then and have been told of errors in the paperwork despite following the previous customer care individual 's instructions perfectly. At this point, the mechanisms intended to provide help to veterans that are their customers is broken. Freedom Mortgage gives the appearance of intentionally allusive requirements and insufficient communication to customers if there are follow-up items needed. It is now more than 1 year later, and Freedom Mortgage has failed to act and is submitting derogatory information to the credit bureaus despite my consistent follow-up and compliance. I will lose thousands of dollars that I would not have had to pay in principal and interest had Freedom Mortgage followed through in a reasonable manner to protect their customer, me, against the negative impacts of a global pandemic and while functioning as an essential worker during that time. I am now being penalized twice with the negative credit information being reported to the bureaus on top of the additional financial burden I carry due to their inaction leading to a higher interest rate. This is not how a 100 % VA XXXX veteran should be treated and especially so by the number 1 VA loan servicer.
Consumer complaint received 2020-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.