davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I got a capital one credit card. I earned XXXX points on it. Capital one decided to close my account. They have not given me an explanation. My credit score is over XXXX and I have never been late for a payment ever. At the time of closure they did not allow me to use my points in the best way. If I used them for travel or gift cards, they would be worth {$200.00}. Instead, without my permission, they have used the points to apply a {$100.00} cash back credit. I find their methods fraudulent as they have effectively cheated me out of {$100.00} worth of benefits from my points. I am requesting that they either credit my account {$100.00} or allow me to use my points in the best way possible. 

The above is a previous complaint that I filed which was closed as the company determined that an unauthorized person was making this complaint. I did call the company and inform them that it was me making the complaint on my own behalf but they gave me the run around. I would like to reopen this case as a new complaint and ask that cfpb not allow the company to delay by saying I am unauthorized to complain about my own account. 

Thank you
Consumer complaint received 2024-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

Hello, there is a company that has been reporting on my credit an account that is not mine! This credit collection has been on my credit in the past and has been removed due to results of the investigation and proven the account is fraudulent. The company recently reported that account on my credit again cause more damage to my report! It is very very frustrating and unfair. It should be illegal the way this debt collector company conduct their business! I have brought it to multiple peoples attention, as well as the credit bureaus. I need this account removed immediately!
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (CA)

I was billed for an automatic renewal from XXXX which was never authorized for {$140.00}. They have a supposed number to call XXXX which refers you to contact them via email at support.grammerly.com, which is a bogus email address. I have reached out to them and still no reversal of charges. I also reached out to Nordstrom where the fraudulent change was made and they changed my card and investigated. The result is they are rebelling my card of the charges and the customer service representative stated it is none of my business who they spoke with at XXXX, but was going to rebill my credit card with interest. These were not authorized charges, and I posted a cease and desit with a refund on their site, being over indunated with specials not wanted. This business needs to refund all charges and stop unwanted emails. Their services are false and don't do what they claim at all. 

The XXXX charges were also never authorized. i do buy XXXX at the station, however my car only hold {$50.00} worth of XXXX  and I have never authorized the additional {$5.00} they are charging. The Nordstrom customer service person stated not my business who she talked with.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (LA)

Loans were sold and consolidated. I am on a payment plan and have not missed a payment nor have I been late as my payments are set on auto pay. However, my credit report shows I am late on several payments, which is not true. 

It's confusing what is consolidated and what's not. It's hard to understand. I have not received any collection calls or notices of payments that are being reported as late. 

Please advise.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (GA)

**Subject : ** Concerns Regarding Mortgage Transfer and Account Management Loan Number XXXX Dear Consumer Financial Protection Bureau XXXX RE : Loan Origination with XXXX XXXX XXXX XXXX  Transferred to XXXX XXXX and recently transferred to Shell Point Mortgage Servicing ( XXXX ) I am writing to express my concerns regarding transferring and managing my mortgage loan, XXXXXXXX XXXX number XXXX, which was recently transferred to Shell.

# # # Key Issues : 1. **Untimely Payment of Property Taxes** : For the last two years, property taxes associated with my mortgage were not paid on time, resulting in mispayment and threats of foreclosure. This mismanagement has caused significant stress and could have further complications with my property.

2. **Inadequate Customer Service** : Throughout my dealings with XXXX XXXX XXXX I experienced numerous issues with their customer service. There were not enough agents available to effectively resolve the problems I encountered, leading to delays and further complications. 

3. **Payment Reconciliation** : My mortgage payments for XXXX and XX/XX/year> were sent via XXXX  bill payment to XXXX XXXX and remain unaccounted for. However, there seems to be a lack of proper reconciliation of these payments after the transfer to XXXX. I am eager to resolve this matter and ensure that my mortgage is on track, but prior payments must be properly accounted for. 

I kindly request that the Consumer Financial Protection Bureau review this situation to ensure that my mortgage is handled correctly and that these issues are addressed promptly. 

Thank you for your attention to this matter. I look forward to your guidance and support in resolving these concerns. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-12
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: William D. Meeker Enterprises, Inc. (CA)

XXXX XXXX inquired my credit report on XXXX XXXX, XXXX. I did not authorize this inquiry. All attempts to contact XXXX XXXX were unsuccessful. This inquiry will stay on my report until XXXX XXXX. This is an error. 

XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (PA)

I have been attempting to work with Shellpoint Mortgage Servicing for a few months. They have been improperly handling our mortgage since they received it from the previous provider. As part of this matter, they were not providing monthly statements, and they were not properly accounting for property tax payments out of escrow. I filed a complaint for this matter, which was inappropriately closed after multiple delays. Shellpoint Mortgage Servicing submitted a letter written for some other customer, with non-relevant content towards my complaint and revealed sensitive information about that other customer. It is clear that Shellpoint has little interest in properly serving its customers and protecting their information.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (GA)

on XXXX I sent the company a check to pay off my credit card, I sent with tracking and proof of receipt, and the check was received on XXXX and deposited on XXXX. I also included a letter that I wanted to close my account, this letter was also received on XXXX as it was in with the check. 
The company took several days to apply the payoff, and I had a {$77.00} overpayment. Due to the company taking several days to make the credit to my account, and not dating the payment as received on XXXX, the account incurred further interest which ate up the overpayment. Then, the company DID NOT close my account at I requested, instead, they lowered my credit limit from the {$3300.00} limit I had to {$100.00} dollars and reported THAT to the credit bureau which of course hurt my credit! I called the company and sent messages to them advising this was not acceptable as they indicated they lowered the limit on XXXX, but they had received my request to CLOSE the account on XXXX therefore that superseded their lowering my credit limit. They should have reported that the account was closed at my request on XXXX.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of specific accounts and inquiries from my credit report, as well as the correction of inaccurate information, such as late payments. These items were not authorized by me. 

Below are the details of the accounts and inquiries that I did not open or initiate, as well as the inaccurate information that needs to be corrected. I expect these inaccurate entries to be thoroughly investigated, blocked, and removed from my credit report to reflect my true credit history.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (GA)

Subject : Unauthorized Transaction Dispute Denied by Chime Request for Reopening and Refund Complaint Description : I am filing this complaint against Chime regarding the denial of my dispute for an unauthorized {$510.00} transaction to XXXX XXXX on my account ending in XXXX. I did not authorize this transaction, and my card and personal information have been compromised. 

Key details of my case include : Unauthorized Transaction : A {$510.00} charge was made to XXXX XXXX, a company I have never done business with or authorized any payment to. 

Compromised Access through Family Phone Plan : I have two phones under a family plan, and the second phone has access to my account details. I believe that someone used this second device to view and misuse my card information, resulting in the fraudulent transaction. 

XXXX XXXX XXXX : I was also a victim of the XXXX data breach, which exposed my personal information and made me more vulnerable to fraud and identity theft. Another fraudulent charge was made to my XXXX XXXX account around the same time, which was investigated and confirmed to be fraud by XXXX XXXX. 

Legal Protections : Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am entitled to protection from unauthorized transactions, and as I promptly reported the issue, I should not be liable for the fraudulent charge.

I have already provided all the necessary information to Chime, including details about the unauthorized transaction, but my dispute was still denied. This decision seems unfair given the facts and supporting evidence of fraud.
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MI)

My FSA account has inaccurate information. I've submitted multiple complaints and requests for follow up for over 6 months with no follow up from FSA or Mohela. When I call FSA and Mohela, both say it is the other organizations problem. FSA has loans on my account that have been consolidated, but they report the applications are pending, although Mohela says the application has been closed for years. FSA is withholding information and refusing to provide follow up requests. This is my second CFPB complaint.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SettlementOne Valuation, LLC (TX)

I declare under penalty of perjury ( under the laws of the United States, if execut outside of the United States ) that the foregoing is true and correct to the best o knowledge. Further, I certify that I am authorized by FEDERAL and STATE LAW to dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C.

These collection found within my credit report are not related to any transaction tha made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by FTC.

IWANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.com
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

On XX/XX/24, from XXXX XXXX  to about XXXX XXXX, I attempted numerous times to log on to the Experian website to freeze my account (? ). The website would not log me on and repeatedly told me that I needed to call XXXX to resolve the issue. I'd call and the AI would tell me to go to the website to fix my issue. I XXXX  two additional XXXX numbers that lead to the same system with the same negative results. The numbers do not provide a means to talk to a human.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MA)

My federal direct loans have been in repayment since about XXXX. I have diligently kept my loans in REPAYE and then SAVE, making all required payments, and carefully avoiding doing anything that would result in interest capitalization. 

On XX/XX/XXXX, my payment was due to be automatically withdrawn from my bank account, but no payment was taken. I received a correspondence from MOHELA that appeared to indicate that my loan interest was being capitalized so I called and was told that no capitalization had occurred ( date uncertain ). In XXXX, XXXX, I attempted to contact MOHELA through my secure online portal. I asked whether my loans had been capitalized and, if so, why. I was told to call and received no information in response. 

On XX/XX/XXXX, I called MOHELA. I spent XXXX  minutes on the phone and was told that my loans were placed in an involuntary forbearance from XX/XX/XXXX- XX/XX/XXXX. I was told that interest on my loans was capitalized on XX/XX/XXXX. This increased my principle balance by {$70000.00}. The reason for this involuntary forbearance was so MOHELA could " change systems. '' I believe that this practice is unfair and oppressive in the extreme. Not only was I provided no notice about this forbearance and capitalization, but there was no ability on my part to avoid capitalization as I have done since entering repayment. If this happened to me, It must have happened to others as well.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (HI)

Equifax, XXXX, and XXXX all have my name and address wrong on XXXX Credit Bureau accounts. I want this corrected. 
Also, they all have Creditors with Open accounts, which needs to be corrected. Some accounts have been charged off and sold to 3rd Party Collections that never verified my name and address and did not have the correct information. 
I have an old Repossession on all XXXX of the accounts. This account was settled in 2009 but negatively affects my credit bureaus. 
I have also been denied employment because of the wrong information on my credit and the credit scores that were obtained. I can not afford any lawyer to disrupt these collections, which are all wrong on all three. So many charges date back 15 years, and this is all wrong. 
Please help me try to look into these issues.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF NEW YORK MELLON CORPORATION, THE (NM)

Issues with payment orders being ignored withdrawals not completed as instructed. Billing errors and incorrect billing. I called to notify them that I had an emergency and was going to hand write a check and was told I could not do that although I could have sworn it only needs to be portable, durable and fAnd after we hung up they locked my account and canceled my withdrawal that I just got done telling them about my situation and then when I called them back they said they dont know why they locked me out. 


Public law 73-10, HJR 192, UCC 3-603
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. I do not authorize you to retain or report any information that consists of unverified claims about me, potentially outdated or inaccurate. I want to emphasize the importance of using only correct and up-to-date information about me. As per my understanding, you have a 30-day window to complete this update, and I urge you to ensure the accuracy of all information in my credit report within this timeframe. 

Listed below are the Personal Information that are being challenged : Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX I checked online with XXXX  XXXX for my account balance which reflected a payoff of {$13000.00} XX/XX/XXXX I Refi with XXXX XXXX for {$13000.00} XX/XX/XXXX I kept checking my online account which still showed my account and balance for my loan with XXXX. Since my XXXX XXXX was coming Due and I liked to pay by the XXXX to ensure it was not late. I made a {$600.00} payment and figured it would just be refunded back to me since this payment and the refi amount was over the payoff balance. 
XX/XX/XXXX Since my account was not closed, I made a payment of {$600.00} XX/XX/XXXX Received Check # XXXX dated XX/XX/XXXX from XXXX for {$580.00} the XXXX refund because my account was closed. 
XX/XX/XXXX Unable to view any account information since account was closed XX/XX/XXXX @ XXXX I called and wanted to know why I only received {$580.00} and not the extra {$600.00} over payment I made since the original payoff and the refi amount was correct. 
I was told that XXXX received the refi check closing the account and back dated the close date as a courtesy since it took XXXX a couple days to process this payment. Since the account was closed the payment that I made was not posted to my account since it was closed. I was told by Affinity that the payment I made was just being held and that I needed to contact my bank and pull the payment back. 
XX/XX/XXXX I opened an ACH dispute with XXXX and they credited my account for {$600.00} XX/XX/XXXX At the end of the month I received notice that XXXX XXXX advises the title transfer was completed. 
XX/XX/XXXX I receive first and only notification that my account was delinquent and I needed to pay or my vehicle would be up for repossession by XXXX. 
XX/XX/XXXX my credit alerts show XXXX reporting my account past due 30 days. 
XX/XX/XXXX called and spoke with Customer service and she adv she would send this to loan servicing dept. 
XX/XX/XXXX A couple hours later I received a {$600.00} deposit to XXXX checking account XX/XX/XXXX I spoke with XXXX in loan servicing and she cancelled all fees and interest and closed out account after receiving the {$600.00} wire transfer from XXXX XXXX  XXXX. 
XX/XX/XXXX Several Wire XXXX did not work since I did not have correct routing information from XXXX, I will be sending personal check by Mail XX/XX/XXXX Check # XXXX Received by XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (TX)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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  has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.