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: Experian Information Solutions Inc. (MA)

1. Experian 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, 2, Experian 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 score 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 yo 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 2024-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (PA)

I set up auto pay initially on XX/XX/XXXX according to the amount of my repayment plan ( approx. XXXX per month ). I updated my autopay on XX/XX/XXXX to withdraw more than my usual repayment amount, totaling XXXX per month. This amount was properly withdrawn automatically on XX/XX/XXXX as scheduled. I got an alert yesterday from EdFinancial saying that I had 26 days of forbearance left. I did not ever apply for forbearance, so this should not be the case. Today, XX/XX/XXXX, is when my autopay should have been withdrawn. Nothing came out of my account and it is not possible to tell from the website whether I am still successfully enrolled in auto pay. Nothing about my banking information has changed so there is no reason that auto pay should have been turned off. I requested auto pay again just to be sure and made a manual payment just now since the website was saying my payment was overdue. I attached the following screenshots : 1. Confirmation that my auto payment of XXXX went through on XX/XX/XXXX along with my manual payment made today, 2. My email from XX/XX/XXXX that confirms I set up auto pay, 3. Confirmation that I am receiving the 0.25 % interest decrease for being enrolled in autopay, and 4. The alert I received about being in forbearance. Again, I did not apply for or request forbearance.
Consumer complaint received 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (IN)

Prior to the updating of EdFinancial 's systems, I was able to view all pertinent account and payment history on their website, including the ability to print a document showing my full name, account number, payment amounts, dates, and the loans being paid. 

After they updated their system, not only did my account number change which caused issues in itself, but their new website lacks basic financial auditing capabilities allowing me to print a detailed payment summary to use for loan reimbursements and payment tracking. It is not user-friendly for viewing past payments, AND I can not even view my payments made prior to the system update in XXXX  2023, instead they require me to request documentation from them. Despite this, in the " Help '' section of the website ( attached ), it says " Go to Account History to view complete payment history '' when in fact, you can not view your complete payment history ( thus being a false statement ). Immediately below is a note that says payments before the migration can not be viewed online. 

When requesting said documentation, their processing times are extended well over a month ( 37 business days ), even for somewhat simple document retrieval that should be able to be done by the borrower on the website. This is unacceptable for a financial institution, even more so when payments are due every 30 calendar days.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY (CA)

As noted last year in my compliant - XXXX The same issues are occurring. 



Wells Fargo continues to have deceptive practices. 
Two separate incidents in the past month : 1 ) Requested refinance. Noted goal of reducing monthly payments. NO discussion about putting it in escrow ( note current mortgage is not in escrow ). Paperwork comes WITH escrow. This increases ( versus decreases ) monthly payment. As noted in my complaint last year, there was NEVER any discussion or request for an escrow account. Note I opted to not refi, and Wells Fargo did regenerate the loan paperwork without escrow, but it is very deceptive to add it to the loan paperwork with no discussion, not to mention it does not address the request to lower monthly payments.

Even more concerning is the 2nd incident : 2 ) Yesterday I received a notification in mail from Wells Fargo noting I was delinquent on XXXX property taxes. This makes no sense as XXXX is not even due yet. Nonetheless, the paperwork included a form for me to fax in requesting property taxes be put into escrow. I spent over XXXX minutes reviewing the letter, logging into XXXX XXXX site to verify payment, looking at prior statements, confirming my check for XXXX were applied, long wait time with Wells Fargo only to be told that the letter was " mailed in error ''. This shows complete lack of control by Wells Fargo for incorrect information to be sent to me as a customer, and questionably deceptive to get me to put my account back into escrow. Letter dated XX/XX/year> with subject " Past-due real estate taxes ''.
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NE)

I applied for a Best Buy Citicard. I was informed they needed more information. From there I and my husband spent over an hour trying to find out why they could not access my application status. I called the number on the credit inquiry. I was passed from number to number and was unable to get through the automated system. It just kept saying there was no record of my application. When someone at the first one would try to look it up, apparently there was an account in my name, but the security question answer did not match, despite it only being two names possible. ( It was the name of a pet that stated with the letter M ) I have only had two with that my entire life. Surprise! It was neither. I ended up having to call six times myself, and at one point was sent to their debt collection department. I repeatedly stated I do not have an account, I am unable to even find my application. Again I was sent to the same two numbers, one of which kicked me back to the second one I could not get through to a human on as again, there was no record of my application. During the last call I personally made, I asked for a supervisor at least 15 times, each time I was refused. When my husband finally called back he was able to get an answer. Supposedly my social security number did not match their records, despite this hard inquiry popping up on my credit report. He was able to get answers within less then 30 minutes, while I had been passed around and not listened to for over an hour at this point. I have never had this issue before. I requested they cancel the application completely as I refuse to deal with an unprofessional company, after this extremely poor experience.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that are present on my credit report. I have reviewed my report and have identified a number of items that are either inaccurate or unauthorized. I request that these items be removed from my report as soon as possible. 

The first issue is regarding an inquiry made by XXXX XXXX XXXX on XX/XX/XXXX. I have no recollection of authorizing this credit pull, and I demand that it be removed from my report. 

Similarly, I also dispute the inquiries made by XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX, as well as the inquiries made by XXXX and XXXX on XX/XX/XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Additionally, I dispute the inquiries made by XXXX XXXX XXXX XXXXXXXX and XXXX XXXX - XXXX on XX/XX/XXXX, as well as the inquiry made by XXXX XXXX XXXXXX/XX/XXXX. I have no recollection of authorizing these credit pulls and demand that they be removed from my report. 

I also dispute the inquiry made by XXXX XXXX on an account number XXXX. I request that you verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Furthermore, I demand that this account be either fixed or deleted from my report completely. 

I also dispute the inquiries made by XXXX and 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 XXXX XXXX. I have no recollection of authorizing any of these credit pulls, and I demand that they be removed from my report. 

Moreover, I dispute the accounts associated with the following account numbers : XXXX and XXXX. I have never had any business relationship with these companies, and hence, there is no way that these accounts belong to me. I request that you delete these unknown accounts from my credit report right away. 

Lastly, I dispute the following personal information present in my report, which is incorrect : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, TN XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX. Please remove these errors from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 Subject : Cease and Desist All Communication Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist from all communication with me, including but not limited to phone calls, emails, and mail correspondence. Additionally, I request that you refrain from any communication regarding my account through my TransUnion consumer report. 

This request is made in accordance with Section 805 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from contacting consumers if they have been requested to cease communication. 

Please consider this letter as my official notice to halt all forms of communication. I expect to receive confirmation that you have received this request and that you will comply with my wishes. 

Thank you for your immediate attention to this matter. 

Sincerely,
Consumer complaint received 2023-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit reporting act, Capital One has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-10-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services (TX)

On or about XXXX XX/XX/XXXX 2024, I recieved notification that my grace period for my student loan serviced by Edfinancial had ended and that I would be expected to begin payment in XXXX. I promptly responded notifying the service provider that my repayment should not be restarted becuase I was currently enrolled in school and would be until XXXX of 2024. They resposded with generic information about student loan defferment and different military service acts and waivers relevant to student loan repayment but did not directly address the issue of them restarting my payments while I was still currently enrolled in school. I recieved no further follow-up from the loan servicer until yesterday XX/XX/XXXX when I recieved a billing statement for my loan due by XX/XX/XXXX that is not appropriate as I am still enrolled in school until XXXX. I have attached my enrollment verificatoin from my university as well as a copy of Edfinancial 's nonresponsive reply to my email notifying them that I was still in school and that restarting paymenst was not appropriate at this time for your reference.
Consumer complaint received 2024-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Security Credit Services, LLC (AR)

Ive had a XXXX XXXX and can not make payments as of XX/XX/XXXX. Never been late till XX/XX/XXXX! My balance as of the was {$4900.00}. It has increased {$2000.00} with finance fees and late fees! The only income I have is my social security ( Im XXXX XXXX XXXX ). When I did use the card it was for my utilities and groceries and gas! It got to be me making payments ( {$180.00} est ) each month and the fees weee so high that my balance was only dropping a few dollars ( less then {$10.00} ) I was overwhelm led and became XXXX XXXX XXXX XXXX! Im just now getting where I can focus on my future and would like to pay this off with a discount settlement! A hardship payoff if you may! I just want to ask the company if they would take my offer of {$2000.00}. Im basing this on my balance as of XX/XX/XXXX and please consider all the extra interest fees I was paying on in XXXX and that I was always on time with my payments! Thank you very much
Consumer complaint received 2024-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (GA)

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX ] [ XXXX, SC, XXXX ] Subject : Notice of Violation of FCRA, FDCPA, and TILA Demand for Compensation or Intent to Litigate Dear [ WORLD CORPORATIONS ], I am writing to formally notify you of multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). Specifically, this notice concerns the improper addition of a deferment charge with code XXXX to my account, which was a closed-end loan subjected to a charge-off. 

XXXX XXXX XXXX  Background - **Alleged Account Number : ** [ XXXX ] - **Initial Charge-Off Amount : ** {$180.00} - **Maximum Cap : ** {$240.00} - **Accrued Amount Due to Monthly Additions : ** {$290.00} - **Deferment Code : ** XXXX XXXX XXXX XXXX Specific Violations XXXX. XXXX XXXX XXXX XXXX ( FCRA ) Violation : ** - Reference : 15 U.S.C. 1681 - The inaccurate reporting of charges related to the deferment code 0218 is a failure to meet FCRA standards for accuracy.

2. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Reference : 15 U.S.C. 1692 - Charging additional fees without proper validation and communication violates FDCPA guidelines.

3. **Truth in Lending Act ( TILA ) Violation : ** - Reference : 15 U.S.C. 1601 - Imposing charges contrary to those disclosed at the initiation of the loan violates XXXX 's provisions. 


# # # Demand for Compensation # Compensation Calculation GIVEN THE SCOPE OF THESE VIOLATIONS AS FOLLOWS : FOR A PERIOD OF 81 months, I am seeking compensation calculated as follows : **STATUTORY DAMAGES : XXXX per violation, per month XXXX VIOLATIONS : XXXX -**MONTHS : XXXX -TOTAL : XXXX { XXXX violations x XXXX XXXX } **EMOTIONAL DISTRESS DAMAGES : {$5000.00} -DAMAGES FOR CREDITWORTHINESS IMPACT : {$3500.00} -COMPENSATION FOR TIME SPENT ON RESOLUTION : XXXX -GRAND TOTAL COMPENSATION DEMANDED : XXXX I demand an immediate correction of the account details, the removal of all unlawful charges, and compensation for any resultant damages caused by these violations. If the matter is not resolved within 30 days, I XXXX pursue legal action to assert my rights under the aforementioned laws. 

# # # Conclusion This letter serves as a final notification to rectify these violations. Failure to respond satisfactorily within the given timeframe will necessitate initiating litigation to seek relief, including potential punitive damages. 

I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] ---
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint regarding my XXXX XXXX  account with XXXX XXXX  XXXX. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/2024, my XXXX XXXX account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using XXXX  % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX  XXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law.

Failure to Address Fraud : Following their internal investigation, XXXX XXXX  XXXX concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately.

Any negative impact on my credit score, including late payments, is removed as per FCRA guidelines. 
All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue.

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (FL)

I am filing this complaint regarding my Apple Card account with GS Bank USA due to ongoing issues with inaccurate reporting and account tampering. Despite my efforts to resolve the matter, the following issues remain : Inaccurate Credit Reporting : On XX/XX/year>, my Apple Card account was reported with two late payments for XXXX and XX/XX/year>, despite the account being settled and showing a balance of {$0.00} as of XX/XX/year>. This inaccurate reporting continues to negatively impact my credit score. The Fair Credit Reporting Act ( FCRA ) requires creditors to report accurate information, but GS Bank USA has failed to comply with this by re-reporting the same late payments that were previously resolved. 

Unauthorized Tampering with My Credit Report : GS Bank USA has repeatedly tampered with my credit report by re-inserting previously disputed late payments, violating the FCRAs reinsertion rules. This has occurred without proper verification or notice to me, which is against the law. Furthermore, I was not informed or consulted during their investigations of fraudulent activity on my account. 

Failure to Address Fraud Concerns : I reported fraudulent transactions and tampering with my account, but the banks investigation did not involve me, and I was not provided with a resolution that addressed the tampering. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be informed during such investigations, but GS Bank USA failed to notify me.

I am seeking CFPB 's help to have these inaccuracies removed entirely from my credit report, as this issue has persisted despite my previous attempts to resolve it directly with GS Bank USA. The re-reporting of false information has severely damaged my credit standing.