davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Long-story short : Capital One Travelcenter does not advertise when fares are non-refundable and when they are- I booked a fare that never disclosed that it was non-refundable, for XXXX Capital One miles ( worth approximately {$920.00} ), had to cancel that flight, and Capital One Travel refused to return the miles, and refused to provide me with an opportunity to discuss outside the Travel Center. 

On XX/XX/2023 I booked Capital One Travel reference number XXXX, a flight from XXXX to XXXX, for XXXX XXXX See attached documentation. Due to a medical situation, we had to cancel the flight on XX/XX/XXXX, which had to be done through the airline, XXXX XXXX XXXX. After canceling the flight I noticed the miles did not return, and called Capital One Travel Center. After our conversation, I looked online, and found countless reports of Capital One Travel Center not advertising when fares were non-refundable, and keeping the miles. I have used other travel centers from their competitors ( XXXX, XXXX ), and they always advertise when a fare is refundable and when it is not. This is a systemic issue. 

On both XX/XX/XXXX and XX/XX/XXXX, I wrote to Capital One 's executive team about this issue ( see attached ). I did not hear back during either instance. I'm not seeking anything extra from Capital One, just the miles that were unfairly taken from my account.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. This is the second time I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have reached out to the FTC and to my local police and I am doing this on my own. Again these items listed are not mine and need to be deleted from my credit report. 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. Inquires : 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 XXXX, XXXX/XXXX, XXXX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2024-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NJ)

Roundpoint Mortgage Servicing Company ( SC ) owned by XXXX XXXX XXXX XXXX ( MN ) failed to pay my Homeowners Insurance ( XXXX FL ) causing the policy to lapse. The insurance company will not reinstate my policy. I received a notice in XXXX 2024 that my insurance payment had not been paid. I engaged both the mortgage company ( Representative XXXX in the insurance department ) and a woman at the insurance company. We had a three way conversation in which the insurance company provided XXXX the overnight payment address. XXXX told us both that he would request a manual check and overnight the payment. Obviously this never happened as my policy was cancelled for Non-Payment. The consequence of Roundpoint not following through with payment has caused me stress and XXXX that has caused me extreme distress. I called for several insurance quotes today and was told no one would insure me because of the lapse in coverage. I also called Roundpoint twice today. The first time they said my call was 69 in queue to be answered I requested that I be called back when I my turn was first in the queue. That call never came. I then called back and was informed that my call was 339 in queue. How does this company get away with this? So then I called XXXX XXXX XXXX the owner of Roundpoint Mortgage. My call was promptly answered by a woman named XXXX. XXXX took down the gist of my complaint and said " someone from her Matrix team would call me back. I am still waiting for this call
Consumer complaint received 2024-06-19
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. (TX)

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. 

Account Name : XXXX : Account number : XXXX Account Name : XXXX : Account number : XXXX Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2024-06-19
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. (CA)

Upon review the files, it comes to the attention that there is an Error of FALSE information about a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX with the balance of {$5100.00}. I have No acknowledgment nor given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information. Please taken step necessary to remove and delete prevent any account opened under owners personals information without permission nor consent.
Consumer complaint received 2024-01-06
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: Fidelity National Information Services, Inc. (FNIS) (OH)

I have been declined a basic checking account cause of the unauthorized use that XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and others i dont authorize
Consumer complaint received 2024-01-05
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. (CA)

* On XXXX XXXX, XXXX I noticed a " hard '' hit ( inquiry ) on my credit report made by " XXXX XXXX '' on XXXX 
* On XXXX, XXXX After much difficulty I found a company so named. And I wrote an email advising them of the situation and asking for clarification as to what took place. 
* On XXXX XXXX Finally, after 2 more very explanatory emails from me they finally responded with a tiny bit of information : That they " have a loan application as a cosigner to XXXX  on XX/XX/XXXX. '' And they asked me " if you spoke with the borrower about co-signing the loan? Do you know the borrower? '' There is no obvious way for any consumer to contact them. No phone numbers or address. Just a " robo-answer '' email address. 
On XXXX XXXX, XXXX I notified TransUnion and received an acknowledgment stating my " Service Request is being addressed by their XXXXXXXX XXXX XXXX ''. 
XXXX XXXX has been uncooperative and dodging my direct questions. 
Today I informed them that after researching their company, it's principals, and the XXXX  rating of " XXXX '' with more than 200 complaints, that I was going to contact any and maybe all of the following : the CFPB, my Legislators, the local D.A. and FBI offices. 

They have been in business for 5 years and surelyI can not be the first to register a formal complaint. 

( I'm being timed out and will continue. There's quite a but more that I have to say. )
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (FL)

I am writing regarding the regulations outlined in 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. It has come to my attention that you have neglected to fulfill the requirement to indicate that a specific account was under dispute within the stipulated 30-day timeframe. This omission constitutes a violation of this provision.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

My loans were transferred from XXXX to Mohela. When payments were reinstated Mohela pulled a payment of over {$900.00} from my account I had on file. I set up auto pay with the understanding {$200.00} would be my payment. My total balance is {$9600.00}. I was charge 10 % for my first payment. Once I spend hours and provided personal information and waited over a month, they decided my payment should be {$210.00}. So I agreed to that. Auto pay was set up. No payment was pulled in XXXX XXXX, I was marked as over due. When I called, waited over 50 minutes for a rep, I was told the payment was pending ( from XX/XX/XXXX, I called XX/XX/XXXX ) I disagreed and pressed for more details. The rep then said the auto debit amount was updated on XXXX  and that takes 1-2 billing cycles to update. I asked where to find that on the website, and no answer was given. 
The lack of knowledge, information, transparency of this company is unacceptable. I have had Student loans for 8 years, never a single problem until Mohela. And I am unaware of any other option I have.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I have only received one billing statement from my student loan servicer MOHELA on XX/XX/XXXX for a payment due date of XX/XX/XXXX. Even in this instance, the billing statement was sent less than the required 21 days prior to the due date. Following that, I have not received any billing statements for payment due dates on the XXXX of each month. I set my account to auto-pay so I did not miss any payments. 

My account was then placed on administrative forbearance after my auto payment on XX/XX/XXXX, but I did not receive any communications about the forbearance until XX/XX/XXXX. I sent a message to MOHELA on XX/XX/XXXX to request information regarding the forbearance. I have still not received any reply to my message except for a message stating that they would respond within 15 business days on XX/XX/XXXX. In the email I received on XX/XX/XXXX from MOHELA, it stated that my account was placed in forbearance due to the billing statement for XX/XX/XXXX was not sent 21 days in advance and would be in forbearance through XX/XX/XXXX. 

Now, on XX/XX/XXXX, I have a payment due which is being processed through auto payment. However, I still have not received a billing statement even though my account was taken off of administrative forbearance.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

Students loans changed to Mohela, filled out income based payments with the save plan on the student loan website, Mohela has been charging me more money every month. Called and spoke to customer service asking why my payments were higher, they told me that they can make them even higher ( over XXXX more a month ) with the same exact income information. I said they I got a direct number from the fed loan with the save plan and they told me those were just estimates and that I have to pay what theyre charging me or they will start charging me XXXX more a month. I asked why that what happening and could not get a direct answer. The customer service lady was very rude and not helpful. Still is charging me more money than what the save plan quoted me at for my monthly payment. I even told her that I had the email and document that said what my payment is that I got from the loan and that it was approved. Never got any information on why my payment was truly higher and why they said that they could re quote me over XXXX more a month with the same income as 2 months prior. Very disappointed and have baby on the way.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

In XXXX, I submitted an XXXX for the PSLF Program. This XXXX was for payments XXXX and XXXX to then qualify my loans for forgiveness under the PSLF Program. I have a letter dated XX/XX/24 that indicated my XXXX was processed and that I had obtained 120 qualifying payments. However, a week later, my account was placed on a retroactive short-term forbearance that I did not ask for, because they didn't send out a billing statement in a timely manner back when my first payment was due in XXXX. This cascaded into my 120th payment being moved from qualifying to ineligible. So now I only have 119 qualifying payments, a second letter was sent, dated XXXX. I called Mohela on XX/XX/XXXX to ask what was going on. The customer service representative told me that they would be getting someone to fix the account. I called again on XXXX and this representative told me that the only way this was getting fixed was through the IDR waiver and there was no way for them to tell me when that might happen. Because my account had already reached 120 qualifying payments once, I am concerned that the IDR waiver will not be triggered. I am also concerned about this retroactive change to my account. They should not be able to go back and change an eligible payment to ineligible because of their mishandling of accounts. This unrequested blanket fix for their past mistake is causing undue hardship and suffering for borrowers who have fulfilled their requirements of the PSLF program.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank allowed someone in a different state to close my debit card and steal {$15000.00} from my accounts ( {$7000.00} XXXX XXXX & {$8600.00} Checking ). I did absolutely nothing wrong, I notified Citizens as soon as I found out which was the next day after suspicious emails which I provided to Citizens Bank, I filed a fraud alert on XXXX, XXXX, and XXXX, and filed a police report. I've contacted Citizens fraud department and they told me my requests to get my money back has been denied. This happened over a month ago and now it is at the point of the " office of the chairman '' of Citizens Bank and they are still giving me the runaround. This money was stolen right at XXXX time and not only did Citizens never apologize to me for allowing someone to steal {$15000.00} from my accounts but are telling me I may not get my money back at all. This is a huge institution, i've been banking with them for 20 years, shouldnt they immediately give me my money back and then deal with the fraud on their side? Is my money not insured at a major bank? I have hardly been able to sleep or concentrate on work since this happened and its been over a month.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MOHELA (AZ)

On several occasions I have contacted the company MOHELA and the CRAs to provide a copy of a contract with a wet signature proving my business interaction directly with the reporting company of MOHELA. Per MOHELA, I was told to look online for this information and there no available information. I have asked to have the reportings removed if the information could not be provided and the companies continue to report against my request of proof. Neither of the reporting companies have given me a valid source of proof to report those disputed accounts.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (OH)

On XX/XX/2023 documenting was sent over updating the tax ID Number. Borrower requested to speak with a supervisor after a XXXX XXXX minute wait time and was placed back in que. 

Borrower made several attempts to contact Mohela in efforts to resolve discrepancies on the amount of payments that have not been counted towards the XXXX payments Account shows that the borrower is eligible for a total of XXXX payments however account has not moved passed XXXX even with the documentation submitted,
Consumer complaint received 2024-06-19
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: EQUIFAX, INC. (TX)

my original complaint was i have 3 collection accounts on my credit report that have REAPPEARED after being deleted previously. XXXX XXXX is the collection agency appearing on my credit report this account was supposedly purchased from XXXX  which was previously deleted from my report. Please have this removed permanently from my report as it has been previously disputed and deleted. 

Equifax came back stating XXXX XXXX the accounts were mine. I never stated the accounts were not mine. i was disputing the fact that they had already been removed from my credit file under the affirm name, now they are reappering under XXXXXXXX XXXX. i never had any obligation to XXXXXXXX XXXX and need these removed from my credit file.
Consumer complaint received 2024-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC. (NY)

couple months ago i deposited a couple checks from the US treasury made out to my business and I. but since i was in the process of close the business, so i deiced to deposited to my personal account with Santander. initially everything seems fine, until one day Santander decided to freeze my personal account stating that checked i deposited was for the business, not just for me. i have attempted to explain to them i am the sole owner of the business, but they requested for me to open a business account with them, otherwise they can not unfreeze the account. long story short, they were not able to help me open a business account with them, and still freeze the account. since i have already spend some of the funds they can not even return the funds to the us treasury. what should i do in this situation? they refuse to give me a solution and refuse to give me my funds.
Consumer complaint received 2024-01-05
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)

15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies.

3 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX on XXXX I noticed a transaction and fraudulent activity was sent to me. I called Wells Fargo and they told me 10 business days until I can receive my fund back since I did not authorize this transaction. The XXXX that was taken from me was from XXXX the government to help with rental assistance from hurricane Idalia flood. My family and I lost everything. Wells Fargo is now telling me today that its not looking good in my favor and I have to wait another 10 days. Im very disappointed as this money was from XXXX to help us and Im now struggling day by day and Wells Fargo still has not refunding the XXXX due to it coming from my XXXX XXXX XXXX account. I spoke with XXXX and they told me to wait another 10 business days that I do not have time for. I just got confirmation I have 30 days to move out and now Im a mess that I think I have lost {$4000.00} from my bank Wells Fargo. Please help, I am begging for someone to hear me and help.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried depositing money to my account and a ATM machine from my bank turned off while transferring money to my account. My money is still not in my account and the bank does not want to credit me until 10 business days. I have bills to pay and i will not be able to pay them due to my bank