davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX. XXXX is the only credit bureau I authorized to keep my credit report, to this effect I had a personal statemen, which the company removed without consulting me, and which I can not reinstate, because their web site does not permit any other personal statements than the ones they offer, XXXX, XXXX credit report does not list my addresses correctly, I am sick and tired of providing corrections via fax and mail, and they do not permit me to do over the Internet. WHY??? MAKES NO SENSE, as much of what those credit bureaus do, 3. During the month of XXXX, I had THREE unauthorized report inquiries, each of which reduced my credit XXXX by XXXX points, One of them was from XXXX, another from XXXX, and the thirds from the company I have never heard of, The companies, of course, do not reply to the reports of their misdeed. XXXX DOES NOT PERMIT TO FILE THOSE DISPUTES ON LINE, NOR TO CONTACT THEM ONLINE, WHY? TO WASTE AS MUCH OF OUR TIME AS POSSIBLE? 
XXXX, I am XXXX XXXX and I am sick and tired of the credit cards and Credit Bereaus abuse, I DO NOT HAVE ANY MORE TIME TO WASTE ON MONITORING AND DISPUTING THE IRRESPONSIBLE CREDIT BEREAUS, WHO CAN NOT EVEN KEEP THE SAME CREDIT SCORES FOR ALL OF THEM, They need to multiply their abusive organizations? It is their responsibility to make sure that they reporting the same scores and the same data, AND THEY MUST BE FORBIDDEN FROM SELLING OUR PERSONAL DATA TO WHOEVER THEIR WISH,
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Credit Card companies are not understanding that my XXXX XXXX XXXX XXXX is Ohio, which is a Key Provisional State, so the XXXX applies from when I enlisted in the XXXX XXXX in XXXX of 2016.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made. 

We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) 18 U.S. Code 2071 - Concealment, removal, or mutilation generally ( a ) Whoever willfully and unlawfully conceals, removes, mutilates, obliterates, or destroys, or attempts to do so, or, with intent to do so takes and carries away any record, proceeding, map, book, paper, document, or other thing, filed or deposited with any clerk or officer of any court of the United States, or in any public office, or with any judicial or public officer of the United States, shall be fined under this title or imprisoned not more than three years, or both. 
( b ) Whoever, having the custody of any such record, proceeding, map, book, document, paper, or other thing, willfully and unlawfully conceals, removes, mutilates, obliterates, falsifies, or destroys the same, shall be fined under this title or imprisoned not more than three years, or both ; and shall forfeit his office and be disqualified from holding any office under the United States. As used in this subsection, the term office does not include the office held by any person as a retired XXXX of the Armed Forces of the United States. 
( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. )
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

On XX/XX/year> I went to https : //www.newrez.com/ to make my mortgage payment. Even though I always pay online using the same computer I am constantly challenged even though I always check the " do not challenge on this device '' option. Since this is an ongoing issue because that option does not work, I called customer service to complain. The agent I spoke with asked me if I wanted to make my payment while I was on the phone, so I did so. She confirmed that the payment had gone through. Today when I looked at my checking account to see if a deposit had cleared yet I discovered to my dismay there was no record of the XXXX New Rez payment. The NewRez website did not show the payment as either having been made or even pending. I called NewRez customer service again, and the agent I spoke with this time said the payment had not been made. When she looked at the records she confirmed I had called on XXXX and that the agent I spoke with had confirmed my payment but at some point after that there was " an error '' that prevented the payment from going through. I asked her if the problem was with my bank and she no, that the problem was with NewRez. When I asked her what the problem was she said she had never seen this error message before and that the " system '' did not say what it was. While I was on the phone with her I went to the New Rez website again to make the payment and this time received an email confirmation. NewRez has been unable to provide an explanation of what happened to my original confirmed payment made on XX/XX/year>.
Consumer complaint received 2024-08-26
Product: Credit reporting 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. (KS)

I just recently looked at my Equifax credit report XX/XX/XXXX. I saw hard inquiries that did not have permissible purpose. I also attached evidence XXXX. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b XXXX. XXXX XXXX XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b 5. XXXX XXXX XXXX  XX/XX/XXXX : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 168b
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

In XXXX, following my last complaint on XX/XX/XXXX, I called in to figure out what in the world is going on with my loans. Between all the news regarding the SAVE plan, the issues regarding payment pauses, I wasn't sure whether my XXXX payment would be correct. 
The initial customer service provider told me he couldn't help me and transferred me to a specialist. The specialist indicated that yes, I could transfer back to my IDR plan, with a recertification date of XX/XX/XXXX, that the " administrative forbearance '' I had requested would count towards my PLSF, and asked if I wanted to request a forbearance while the IDR plan was placed back on. I said yes. I was happy with the result. 

Meanwhile, she didn't do what she said. The account was not switched. The auto-debit took out the incorrect amount in XXXX, and over drafted my bank account. 

I just called today and the lady I spoke with, while cordial, tried to help me, but couldn't. The money was " poof '' gone. Nothing they could do about the fact that I relied upon the " specialist 's '' statements that the IDR plan was going to be back on and there would be a processing forbearance while they figured it out. The same thing happened - she put me on a processing forbearance while they figured it out. She indicated she couldn't put it in writing. I requested a recording of the prior interaction. I requested a recording of today 's interaction. She said they can't give those out so I asked to speak with a supervisor. 

This feels crazy- repeating the same thing over and over again with the same result. Still not sure what is going on. 

I feel taken advantage of by these folks. I want a new loan servicer that can deal with my account professionally. Please help me.
Consumer complaint received 2024-08-13
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (TX)

During Covid business closed and I got behind on payments and surrendered truck back to finance company they sold the truck in auction and got the money. But they are still saying I owe XXXX XXXX  thats not true when the government allowed you to give back a vehicle under the Covid laws
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX, XXXX, GA XXXX Unauthorized Access to My Credit Report CFPB, I am writing to formally address a serious concern regarding the unauthorized access of my credit report. 



CFPB it has come to my attention that my credit report was accessed on [ XXXX ] EQUIFAX pull my credit report without my written permission. As you are aware, it is illegal for individuals and businesses to obtain a consumer 's credit report without first acquiring written consent from that individual. 

The unauthorized access of my credit report is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer report may only be furnished for permissible purposes and with the consumer 's consent. 

I request a detailed explanation of how and why my credit report was accessed without my authorization, as well as the steps your organization will take to rectify this situation. Additionally, I ask that you cease any further access or use of my credit information until proper consent has been obtained. 

Thank you for your prompt attention to this matter. I look forward to your immediate response. 

Sincerely,
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Went to XXXX XXXX in XXXX, NY on XX/XX/year> and returned a toaster oven, received a {$76.00} credit to the card it was purchased on ( debit card ) .. Capital One sent me an email that it was denying the purchase ( it wasn't a purchase it was a credit ) because I hadn't used the new Debit Card I received the day before. My existing card had not expired and I had not activated the new card yet. 

Called Capital One and after more than an hour on the phone they agreed to issue a provisional credit of {$76.00}. Today I got an email saying they were rescinding the credit because they had not been able to reach XXXX XXXX. 

I want them to restore the original credit issued by XXXX XXXX.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have sent proof of credit inquiries that are not mine to the credit bureaus multiple times, I have called them multiple times and spent hours speaking with them. I have sent ftc reports as well. I just spoke with the ftc and filed a new report with all inquiries that are fraud on my credit report and will be submitting it here to try to resolve this for the third time. I want this takin care of asap.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I am still trying to get a XXXX - c from sst/seed Fi and I can't get XXXX and I also have submitted previously a request for arbitration I am afforded that luxury according to the account disclosure the last one I sent I called them and ask what was the status of my request and I was told that they weren't going to do anything about my request because I didn't file it correctly and I am sending a copy of my request that I sent to systems services technology. This is the fourth or fifth complaint that I ha XXXX lodged against systems services technology in the last year and NOTHING has been done about it and now something has to be done about this company they are not above the law.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

On XX/XX/XXXX, I was in XXXX, XXXX and was scammed by a taxi company. I was told that a 10 minute taxi ride would cost {$60.00} USD ( NOT pesos ), and was actually charged {$600.00} USD.

I initially tried to pay the {$60.00} USD using my XXXX Credit Card, and it was immediately rejected as fraudulent and XXXX locked my account. The taxi drivers became increasingly aggressive when the card kept declining, and they told me to try to use my Discover card instead because It usually works. Once again, the total on the screen said {$60.00} USD. I tapped my Discover Credit card and the transaction went through immediately. I realized a few minutes later that Discover had authorized the {$600.00} charge.

I immediately called Discover in the XXXX XXXX  to report this incident and dispute the charge, but was told that I could not dispute it until it posted to my account in a few business days. They were extremely unhelpful, and I had to ask them to cancel that credit card and send a new one. When the {$600.00} finally posted to my account, I called Discover again to dispute the charge.

I explained the situation to multiple representatives and was under the impression that a charge dispute was opened, and later found out they actually opened a fraud dispute. Of course, I lost the fraud dispute because I did authorize the charge. Discover informed me that I would be held liable for the {$600.00}. I never said I wanted a fraud dispute opened, I wanted a CHARGE dispute.

After multiple calls and conflicting information, I finally got a charge dispute opened as of XX/XX/XXXX. I believe that Discover is not doing their due diligence to 1. ) Protect consumers right when a suspicious transaction is made ( Like XXXX rightfully did ) and 2. ) Listen to consumers when they are seeking help after a fraudulent charge is made.

Discover claimed to reach out to me regarding the fraud dispute, but I did not receive the call. A representative on XX/XX/XXXX did apologize and said they forgot to ask whether I authorized {$60.00} or {$600.00}. This is extremely disappointing customer service.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Consumer Name : XXXX XXXX, Consumer social security number : XXXX. Consumer DOB : XX/XX/year>. This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C -1681c-2 ) that'd be you. The XXXX, XXXX, Transunion credit reporting agency block Information appearing on my consumer credit report that is the result of Identity theft and Fraud withing 5 days of you receiving this Complaint, This Fraudulent, inaccurate and False Information has Charge off 's from XXXX XXXX for {$100.00} for XXXX but shows as {$300.00} FOR Transunion. XXXX XXXX for {$140.00} for and Collections from XXXX for {$860.00}, XXXX is showing for {$100.00} on one account then XXXX on another account. XXXX XXXX for {$990.00}, XXXXXXXX XXXX for {$830.00} and XXXX XXXX services these are accounts ranging from the last 3 years and I have never been informed of ay of it as I've been homeless the last 7 years in and out of shelters. I do not recognize these accounts being reported. I will attach the copy of the FTC Identity theft Criminal report Complaint NUMBER XXXX as proof from the US Federal trade commission that all mentioned are the result of Identity fraud. Transunion had XXXX Hard Inquiries needed to be removed and XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno (PA)

I opened an account through a company called Juno Finance ( at the time called OnJuno ) in XXXX. They advertised a high interest rate checking account with the money being held at a brick and XXXX bank XXXX XXXX XXXX XXXX XXXX ). I was assured that the money was FDIC insured. 

Without my consent, they enrolled me in a " Cash Management Account '' program with a company called XXXX XXXX XXXX and its subsidiary Synapse Brokerage. Juno claimed that the money would still be FDIC and/or XXXX insured XXXX part of this program. 

When I tried to withdraw my money in XXXX of this year, I was informed that there was a problem with XXXX 's software, and withdrawals were frozen. I then learned that Synapse went bankrupt, and as a part of the bankruptcy proceedings I find out that my money was not FDIC or XXXX insured. 

I put money in this account because I thought it was a safe checking account with FDIC XXXX. Juno moved the money ( again, WITHOUT MY CONSENT ) into accounts that apparently had no insurance at all. 

When I reach out to Juno, they point fingers at XXXX XXXX  XXXX XXXX and XXXX like they have no share in the blame for making risky investments on behalf of their customers WITHOUT THEIR CONSENT.
Consumer complaint received 2016-06-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

On XXXX XXXX 2016, Nationstar Mortgage called my husbands work, which is a public phone line that anyone can answer. It was an automated system, therefore when whomever answered the recording just went on to give out our personal information, such as name and the mortgage company calling and the reason for the call. My husband called me and asked if we had made our payment, I said yes, I sent it in the mail the previous week. I called Nationstar to see why they had not contacted my personal cell phone instead of calling my husbands job. They apologized and said it would not happen again. Thirty minutes later my husband called and said they had called again. I called the mortgage company again and they seemed unconcerned and the supervisor had a smart attitude about the situation. This was very embarrassing and harassing especially when we are not and have never been past due!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I have repeatedly disputed this account with Capital One Auto. This account was opened by an ex boyfriend of mine without my knowledge. I called and settled the account with capital one for {$5000.00} with a promise of it being removed from my credit report 30 days after the payment was made. It's been over a year and the account is still reporting on my credit. I have disputed this multiple times by mail and online with no action or response from capital one.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Last year XX/XX/2022 occurred the scariest event in my entire life. I never checked my credit report and to be honest I didn't even know about Credit reporting agencies were before then. I was a Victim of Identity theft, I have heard of people talking about it before, but never did I think that I would be a Victim. It wasn't until I received a very disturbing phone call that left me sick to my stomach that I realized that something was wrong. After crying and talking about it, I stumbled on a XXXX XXXX  and said I can call the XXXX and tell them that you have been a victim of fraud so that they can lock your account, and no one can access it to create any new account under your name. So, I called the credit reporting agency XXXX and informed them of the issue they placed a Fraud Alert on my credit report on XXXX I have never been able to use my credit ever since. It has taken over a year before I finally got advice what to do. I am negatively financially affected.