davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Consumer Adjustment Company Incorporated (SC)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure RESOLUTION As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank You
Consumer complaint received 2024-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

Inadvertently missed a payment on this CapitalOne account over the weekend ( due date was Saturday XX/XX/XXXX ), I was travelling for work and did not have access to any internet. I made double the min payment first thing this morning ( Monday XX/XX/XXXX ). I have maintained this card account in good standing for many years, and the late fee is excessive compared to the minimum payment amount that was due in the first place. 

Also, I waited on hold for about 30 minutes to ask a customer service rep to please remove the fee. Even after that long hold, I was connected to an overseas call center.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I disputed this with the credit bureaus XXXX  XXXX  and XXXX i asked them to re investigate the completeness and accuracy of my account on my credit report i got my investigation back and i noticed they didnt update or modify my account
Consumer complaint received 2024-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: NEW YORK COMMUNITY BANCORP INC (TX)

Subject : Urgent Issue Regarding Mismanagement of Texas Homeowner Assistance Fund Payment and Incorrect Charges on My Mortgage Account Account Information : Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, Texas XXXX Lender : Flagstar Mortgage Dear CFPB, Consumer Financial Protection Bureau, I am writing to express my serious concerns regarding the mishandling of funds and subsequent incorrect charges to my mortgage account. In XX/XX/XXXX, I utilized the COVID-19 Forbearance Plan offered by the federal government under President XXXX XXXX , pausing payments on my mortgage for XXXX months. After the forbearance period ended in XX/XX/XXXX, I applied for assistance through the Texas Homeowner Assistance Fund ( THAF ) in XX/XX/XXXX to cover the missed payments and bring my mortgage current. 

The THAF approved my application and sent a payment of {$45000.00} to Flagstar Mortgage on XX/XX/XXXX, as detailed in the attached proof of payment. This payment was intended to cover the entirety of the deferred payments from the forbearance period, thereby bringing my mortgage account current. 
However, I discovered in XX/XX/XXXX that Flagstar Mortgage had inexplicably returned a partial amount of {$26000.00} to the Texas Homeowner Assistance Fund out of the total payment received. Despite my inquiries, I have yet to receive any explanation from Flagstar regarding the reason for this return of funds.

As it stands, Flagstar Mortgage is now holding me responsible for the amount of {$26000.00}, which was supposed to be covered by the THAF payment. My monthly mortgage statement and payoff statement reflect this amount as due, despite the fact that the THAF had already approved and provided these funds on my behalf.

I have requested that Flagstar reach out to the Texas Homeowner Assistance Fund to retrieve the returned funds, but Flagstar has refused to take this necessary action. The State of Texas has confirmed that they require Flagstar to initiate the request for these funds, yet Flagstar continues to decline to do so. 

This situation is causing undue stress and financial hardship, as I am being unfairly charged for an amount that was already paid on my behalf. I urge Flagstar to promptly address this issue by requesting the return of the funds from the Texas Homeowner Assistance Fund and correcting my mortgage account to reflect the proper balance. 
Please treat this matter as urgently as it requires. I expect a resolution within 30 days of this notice. 

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

God bless you!
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was charged a XXXX overdraft fee after I had a positive balance of XXXX dollars. Then after I deposited XXXX dollars they still dinged me for overdraft fees. Now in 2 days I have XXXX of overdraft fees and it is impossible to keep my account balance positive. There shouldnt be a XXXX dollars a day of overdraft fees.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have been harassed by this company for several years regarding an alleged debt, without any verification of the debt amount, account number, or the original creditor. On XX/XX/XXXX, I made another attempt to contact them via email, but I have yet to receive a response
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b.

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties.

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Consumer complaint received 2024-07-24
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

Fein Such Kahn & Shepard PC debt collectors have violated the Fair Debt Collection Practices Act by not obeying a court order. In XXXX  2022 they sued me to collect on a debt I do not agree that I owe ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). They filed motions to both garnish my wages, and also levy my bank account and my husband 's bank account. My husband 's bank account was not connected to mine, with no comingled funds and he was not named on the suit. Still, the froze every dollar to both of our names, leaving us with not a penny to take care of our XXXX XXXX. I immediately contacted them to resolve this, and they refused. We met before the judge, who ordered them to return all of our money and ultimately ruled in their favor on the debt and allowed them to garnish my wages. Now, XXXX years later they have done the exact same thing again even though they already currently have a wage garnishment order on file. They again have filed motions to both garnish my wages, and have levied both my bank account and my husband 's bank account. These are the same accounts they were ordered to return our money to when they illegally took money from my husband 's unconnected personal account, and my account. They also can not garnish my wages more than once. Again, I have been reaching out daily with no response. At this point, their illegal practices are harassment.
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AZ)

FCO aka Fair Collections and Out lied to me and said they would deleted the tradeline and derogatory remark/collection if I paid the debt. The debt was paid XX/XX/XXXX. I called on XX/XX/XXXX and they told me they will not delete it.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/year> an IRS deposit in the amount of {$8400.00} was routed to the incorrect account number that did not belong to me. I contacted Chase immediately and advised them that the information did not match my account information and that the funds did not belong to the account that they were being deposited to. They stated that since the information of the deposit did not match the account owner they would be returned to IRS and rerouted to the correct account number/ account holder. I waited and waited and have submitted XXXX payment trace request through IRS but Chase fails to respond to IRS or simply comply with IRS request to issue refund. I was then transferred to an IRS advocate to further assist me with this matter and they suggested that I file a complaint to escalate this matter to Chase legal department before I move forward with civil suit.
Consumer complaint received 2024-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was selling my car on XXXX XXXX. 
I was having a buyer, he sent me a cashier 's check. 
I went to Bank of America branch at XXXX XXXX, XXXX XXXX XXXX NJ XXXX, United States I deposited the cashier 's check on XXXXXXXX XXXX XX/XX/year>. 
On XX/XX/XXXX, check was cleared ( see screenshot ) At this point I was confident as the check was cleared, I was thinking BofA mades all the necessary verifications to validate the money is legit and here. 
The buyer asked me to send some money to the car mover to pick it up. I sent XXXX  XXXX through a XXXX  transfer. 

On XX/XX/XXXX, BofA changed their mind and check was returned! 


I went back on XX/XX/year> to see why the check was cleared then returned and what I can do about it. 
XXXX told me there nothing to do about it even though I made a XXXX transfer to the " movers ''. 
I end up loosing the XXXX XXXXXXXX On this same day, I went to the XXXX XXXX XXXX NJ Police department report this scam. 
To this day, the investigation is still ongoing and the Police is trying to track down the scammer and where the money went. 
They have an ongoing request at XXXX. 

Police detective told me a week ago that I can do a claim about this to Bank Of America, which I did few days ago and they denied the XXXX claim. 
( I didn't do any before as the cashier 's at the branch told me, there's nothing they could for me ) BofA has clearly failed to make the security verification on the cashier 's check. 
They could easily track down where the money went through the XXXX transfer and get it back.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I just pulled my credit report and I noticed there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted from my Equifax Credit report : XXXX. XX/XX/XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ZIONS BANCORPORATION (AZ)

XXXX I called in to National Bank of Arizona ( subsidiary of Zions Bancorp . ) in regards to a notice dated XX/XX/year>, that we received in the mail regarding a fee change to our checking account ( see attached ). 
-Starting XX/XX/year>, the bank was going to start charging for a feature ( viewing check images ) that was originally free. I called on XX/XX/year> to unenroll the account from this feature, to ensure we were not charged this fee. 
-The customer service rep. set expectations that it may take up to two billing cycles for the feature to be turned off, in which I asked " would we still be charged the fee, even thought the account is unenrolled from the feature '' and she said YES. 
-I logically explained how that penalizes depositors who unenroll in a timely fashion, just because it takes the Bank 2 billing cycles to complete something.

-Escalated this to a manager, " XXXX XXXX '' who said well if you get billed a fee, call in and we can do a one-time courtesy reversal. I then inquired about other unenrolled clients, who still get charged a fee, don't see it, and don't call in for a reversal ... does the bank just keep the fee? 
-She could not give me answer about what they were going to do with the fee charged post unenrollment. I recommended she speaks with her compliance department so they can rectify the charging of the fee before it happens.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation (FL)

I Advised them of Law : 15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company and the continue calls.
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (SC)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (FL)

15 USC 1692c ( c ) THIS LAW CLEARLY STATES If a consumer notifies a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a clear violation from this company and the continue calls.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NJ)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & I'm writing this complaint because I feel as if my last complaint was not resolved & brushed off because it was " worked on before ''. I frequently have to write reports to CFPB regarding Wells Fargo. I have a late payment on my credit report from XX/XX/XXXX. & now Im being told i was late in XXXX? I have proof that there was no late payment & representatives i have spoken to that advised me i was not late on payments. I already wrote in a complaint about this specific topic & I am asking if it can be removed from my credit report. I have been told its not possible but it was done once before a few months ago which i also have proof of even tho Wells Fargo is saying other wise. During the time of XXXX, I was going through a long & exhausting process with Wells Fargo regarding unauthorized charges. As the unauthorized charges seemed to be resolved I believe that there may have been a mix up in my legitimate payment being marked as late. I have always been on time with payments & I seem to have a problem with Wells Fargo frequently for the past year now. I've been a very loyal customer for almost 4 years & despite all the troubles I have had with Wells Fargo I still stayed a loyal customer. Last case I wrote, I was told Wells Fargo can not delete something off a credit report but when this happened once before due to a mistake, they took it off no problem but then added it back a month later. Again, I am always on time with payment. I don't believe I ever had to write in this many complaints about & to one specific company. I am asking for a payment forgiveness for the apparent late payment & have it taken off my credit report. I truly appreciate it & am open to answering any questions. Again, I am simply asking for the late payment to please be removed from my credit report as I the customer don't believe I am at fault. If i dont get correct answers & not told it wont be worked on, i will take this higher then just a complaint. XXXX has not helped & i dont believe she should be assigned this case as she brushes off what i say. Thank you.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation (VA)

I have requested the full complete application on several occasions from this company. I want to see my had written signature and also Any identification that was used to state that this is my account. I sent 3 letters XXXX They have failed to provide any information that validates I signed my so future and provided a picture ID or social security card to get this credit card. They sold the account and now a third party is trying to collect on a debt that is written off and closed.
Consumer complaint received 2024-10-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I recently received your email regarding my student loan account with Navient. I just wanted to clarify that I only have one private student loan with Navient ( formerly Sallie Mae ). I noticed that there were there was a couple of inconsistencies in their reply email, and I wanted to address it. 


1. We previously serviced two additional Private Tuition Answer Loans, which youve since paid in full. 
2. As noted above, the Holder Rule applies to direct-to-school loans. However, the proceeds of your three Tuition Answer Loans were sent to you directly at disbursement, rendering them ineligible for our School Misconduct review process.

Firstly, the email mentioned that I have multiple private student loans with Navient. This is not accurate as I only have one private student loan with your company.

I would appreciate it if you could review my account and provide me with accurate information regarding my student loan. Please let me know if there are any discrepancies that need to be addressed. 


Thank you for your attention to this matter.