davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has caused all kinds of problems since Ive had this credit card, really bad customer service, lied to constantly treated very badly, disrespectful employees, constantly transferred from departments to departments, Ive had this credit card for over a 1 and half not one time have they move this over to a unsecured credit card but I have made every payment on time and Im advance I have paid off purchases every time I used my credit card, no one wants to help, every time I call I get hung up on I want the company to reach out to me because there customer service is just that bad, I ask for help I get wrong information Im tired of it and Im just about to close my account with capital one
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

Citi / AAdvantage Platinum Select-0011 Disputing membership fee and late fee charges due to terrible customer service. 

Issue : I called to dispute on XX/XX/XXXX - the customer service said that they can only waive one late fee in their system, not two. However, the late fee was never supposed to be posted in a first place, which they admitted because they have a note in their system. I request a full refund, including my membership fee of {$99.00} ( XX/XX/XXXX to XX/XX/XXXX ). 

Membership fee XX/XX/XXXX to XX/XX/XXXX was due XX/XX/XXXX Paid on XX/XX/XXXX - the late fee was waived, Citi has a note about it in their system Late fee {$29.00} and interest {$1.00} were charged on XX/XX/XXXX. I thought it was a mistake. 
Another Late fee {$30.00} interest {$0.00} were charged on XX/XX/XXXX. 

Citi indicated they can only waive one late fee, their system does not allow to waive both. However, it is their own fault for failing me as a customer.
Consumer complaint received 2021-10-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX Navy Federal Credit Union RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Consumer complaint received 2023-05-04
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. (MI)

I've been contesting items on my credit report that appear to be fraudulent. The things are not in question, and they have not been removed from my report. The credit bureaus appear to be ignoring the pattern and allowing these false items to have an impact on my credit score. I have demanded that an investigation be launched, as well as verifiable proof be provided if the things claim to be mine. ENOUGH is ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMETHING DONE? CHECK THE ATTACHMENTS! NOT IN ROCKET SCIENCE! You requested documentation, which I have provided. AGAIN, AGAIN, AGAIN! This is my last choice before I consult with my lawyers and file a lawsuit for full compensation and damages. Please remove this. 
XXXX  XXXX Balance : {$3100.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX : {$190.00} ; XXXX XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX : {$160.00} ; XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX Balance XXXX {$3900.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX  XXXX Balance : {$890.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX, XXXX, L ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (OH)

I have XXXX XXXX shares. Thats worth over XXXX dollars. I asked on XX/XX/XXXX if I can transfer my shares that I own. Then they sent me an email saying they wouldnt let me on XX/XX/XXXX. 

Robinhood Securities wont let me transfer my XXXX shares to XXXX XXXX official transfer agent. All the other US brokers allow their clients to do this. Why wont Robinhood let me transfer my own shares? I bought them they are mine and want to register them in my own name.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Department Store National Bank RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Consumer complaint received 2021-10-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have LATE payment on my credit report that should never be report because I was attend school. In 2017 I attend college which I attach the certified letter from the VA education office showing all the date that I attend school. I'm requested the late payment to be change to on time payment an current.
Consumer complaint received 2021-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) of XXXX fl said we was gon na meet up at a local plaza because I was buying an item from him. I contacted him today ( XXXX ) to tell him if we can meet up right now & Ill give him money he proceed to say send him the {$200.00} through XXXX  for the item so I did & then he blocked me. I have contacted chase & XXXX  & they refuse to do anything or even dispute it.
Consumer complaint received 2021-01-17
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Complaint sent to ombudsman for Navient. 

Re : Navient Student Loan Servicer. 

Please let this serve as a formal complaint of Navient due to the following circumstances. I initially applied for and received a student loan in XXXX to attend school from XXXX to XXXX. I graduated in XX/XX/XXXX. Payments were initiated sometime in XXXX. Of major concern, the loan amount being reported by Navient could not possibly be correct. This is based on known payments made and records that I have. Payments were made up until I filed Chapter XXXX Bankruptcy due to financial hardship in XX/XX/XXXX. I have since then completed my payment plan in XX/XX/XXXX. 

From communication with Navient in XX/XX/XXXX, I was given a balance of approximately {$74000.00}. It was acknowledged that they had received approximately {$17000.00} from Chapter XXXX trustee. However, I was told it had gone to interest payments. I inquired about payments made to loan prior to filing bankruptcy. I was told that, the loan had been consolidated in XXXX and the balance was {$65000.00} and that Interest of {$8500.00} was added bringing the balance to approximately {$74000.00}. I inquired about payments made prior to consolidating loan. I was informed no records were available because it was someone else handling the loan at that time. 

From communication with XXXX at Navient on XX/XX/XXXX, it was acknowledged that {$20.00}, XXXX had been receive from the Chapter XXXX trustee. However, balance was still listed as approx. {$74000.00}. The additional {$3000.00} had not been credited to decrease balance. 

After addressing my concerns, I received a response from XXXX XXXX at Navient. Transaction record was sent and a formula attempting to explain the extraordinarily high interest rate. However, none of these numbers listed a balance of {$74000.00} or gave any justification of this balance. 


Before deciding on additional actions, I must demand the following from Navient : 1. Record of all payments received. 
2. Full disclosure of total amount of interest charged. 

Other information may be requested based on information received. 

PS : I have a statement from XX/XX/XXXX, showing a balance of approximately {$43000.00}. Several payments have been made over the last 10 years. From information received from Navient, there was a balance of approximately {$25000.00}, in XXXX prior to loan consolidation.
Consumer complaint received 2021-01-17
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. (CA)

I recently received a copy of my credit report and I discovered many fraudulent accounts reporting false information on my credit report. My personal information was exposed in recent breaches and made my identity vulnerable. This fraudulent information on my report was a result of identity theft.
Consumer complaint received 2021-01-17
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. (PA)

On XX/XX/2020, a letter was sent regarding inaccurate and unknown information on my credit report. To this day it has been beyond the allotted legal time and I have not received a response. I feel I am being disregarded, taken advantage of and ignored. 
According to section 611 ( a ) it plainly states that, failure to investigate said items in allotted time gives immediate reason to remove from credit profile. It has been well past the allotted legal time. These items should be removed immediately. So, I am now demanding these accounts be deleted and have my Credit profile updated reflecting such. I am seeking alternative remedies such as litigation for the stress being caused as a result of this misleading information and inaccuracies on my profile. Due to the XXXX data breach, I also believe my information has or may be in the hands of the wrong people or persons. 

Thank you for your due diligence.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates (NV)

To Whom It May Concern : I filed CFPB Complaint XXXX against XXXX XXXX  on XXXX. As of XX/XX/2021 XXXX XXXX told CFPB their response is in process. I received In a letter dated XX/XX/2021, collections law firm Guglielmo & Associates contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client XXXX XXXX  has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct Guglielmo & Associates to contact me on their behalf, especially when they had proof of my exempt income. 

XXXX XXXX has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XXXX letter from Guglielmo & Associates, which might indicate, in my opinion, the likely intention of XXXX XXXX to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if XXXX XXXX claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, Guglielmo & Associates. 

Since the CFPB Database seems to indicate that Guglielmo & Associates might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that Guglielmo & Associates provide written acknowledgement of my exempt income. I have other exemptions as well. XXXX XXXX is put on notice that they were aware of my status BEFORE they sent Guglielmo & Associates to attack me, so XXXX XXXX is responsible for any and all actions of Guglielmo & Associates.
Consumer complaint received 2021-01-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital one is inaccuratce on my XXXX  and XXXX  there's no late payments no credit history but yet I still ow XXXX I disputed the inaccuratcy but nothing was done it's still on my report
Consumer complaint received 2021-01-16
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 (NY)

I have been using this Capital One credit card since XXXX and have been on an auto-payment set up for the full due amounts every month. For the month of XX/XX/XXXX, I had a bill for {$2100.00} due on XX/XX/XXXX. 

In order to utilize the mileage rewards, I tried to make early payments, then I realized the reward would not be updated until one month after the payment. So, I canceled the one-time payment and reinstalled the auto-pay. Apparently, the auto pay was reinstalled for the XXXX bill, not for the XXXX bill, which I didn't realize 12 days after the due dates. XXXX XX/XX/XXXX, I checked back the website and was shocked to see the autopayment was not made for XXXX. so, I made the payment right away. 

On the XXXX bill, there were one late charge of {$25.00}, one interest charge of {$46.00} and another interest charge of {$22.00} for messing up the XXXX autopayment set up. Since I have been paying the total due amounts every month with the auto-pay setup since XXXX, I expected a one-time waive of the charges. The agent understood my situation and tried to remove the charges but was only able to remove the {$25.00} late charge and one interest charge of {$22.00}. He could not remove another interest charge of {$46.00}. I could not understand why there were two different interest charges for one 12-day late payments. When I got connected his manager XXXX, he also understood my situation and tried to remove it. But again, he said his system did not allow him and if he can not make the adjustment, no one in his company can make the adjustment and I have to pay the interest charge of {$46.00}. 

XXXXe additional issue is that I don't understand how the interest charge of {$46.00} ( dated XX/XX/XXXX ) and {$22.00} ( dated XX/XX/XXXX ) were estimated after the payment was made on XX/XX/XXXX. The XXXX is 15.65 % based on the contract. Thus, the annual charge to the due amount of {$2100.00} would be {$340.00} ( = $ XXXX*15.65 % ), which is {$0.00} per day. For 12 days, the interest would be {$11.00}, compared to the {$68.00} ( $ XXXX {$22.00} ). I understand that my simple manual calculation may be off a bit, but the charged amount is more than 6 times. 

Therefore, I would like to file a complain to Capital One that they charge too much interest on late payments ( or they do not explain clearly how the interests are estimated ) and their system does not allow to make adjustments on charges even if the billing department agent and his manager agreed to do so. 

Thanks for reading this!
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MN)

My lender, Rushmore Loan Management Services, would not remove my PMI despite my principal balance being less than 78 % of the original home value. I made mailed, faxed, and phone requests in XXXX to have PMI removed. First they stated I had not hit 75 % LTV which was required for loans less than 5 years old. I paid down to below 75 % of the home value over the next 2 months. Then they said my PMI can not be cancelled until 5 years after the original loan of XX/XX/XXXX. I waited and again requested PMI cancellation in XX/XX/XXXX in which I never heard a response. My loan was at about 50 % of the original value at this time. I had made two phone calls to resolve this, but they only ever sent me a generic letter that said my loan needs to be 75 % LTV. Before my final payment in XX/XX/XXXX, I again tried to resolve this issue. In a letter, they acknowledged my loan was 0.4 % of the original home value but they still refused to remove the private mortgage insurance. Now they required a mandatory inspection. Every time I tried to remove PMI, they came up with a new rule. There was never any clarity and they constantly gave me the run around.
Consumer complaint received 2020-10-26
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.