davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

My loan was transferred to Rushmore Loan Management Services. I have a credit score over 800 and have never had a late payment. 
The website seems to be tailor made for people to make late payments. They say they have automatic payment scheduling, yet when I try to do that, I get a message saying " Not Available. '' When I try to sign up for electronic reminders, there is no actual link : It is a bait-and-switch " We encourage you to also GO GREEN by signing up for paperless documents! Receive email notifications when your statements are ready to view, versus paper statements in the mail. Sign Up Today '' no active link to actually sign up for reminders. 

They do not give information about when my payments are due. The website says my next payment is on XX/XX/18, but I've already made that payment and it does not show when the next payment is due. It's XX/XX/18 already. 

This company should not be allowed to deal with servicing, they are not capable. Their business model appears to be to make it as hard as possible to pay your bill on time. I am financially literate and I find this difficult, I can only imagine how others navigate this. 

Rushmore 's business practices verge on criminal.
Consumer complaint received 2023-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX
Consumer complaint received 2023-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: GUARANTEED RATE INC. (CA)

1. My loan was sold/transferred to a new loan servicer effective XX/XX/2023 2. I made a monthly payment to OLD loan servicer on XX/XX/2023 for payment due XX/XX/2023, per directions on Notice of Service Transfer 3. This payment included interest from XXXX plus principal 4. Loan service was transferred XX/XX/2023 5. I sold house and escrow closed XX/XX/2023 escrow received Pay-Off demand from new loan servicer charging me interest from XXXX and a principal amount that did NOT include payment of XX/XX/2023. 
6. I contacted NEW loan servicer and they claimed they never received funds from my payment of XX/XX/2023. 
7. I contacted OLD loan servicer and they claimed they wired funds representing my XX/XX/2023 payment to NEW loan servicer. 
8. I re-contacted the NEW loan servicer, they claimed they returned the XX/XX/2023 to the OLD loan servicer. 

Both servicers claim the other has the funds and I must contact them. Both servicers tell me different and contradictory information each time I contact them. 
I have contacted both of them at least XXXX time over the last XXXX weeks, and filed requests online -per their instructions.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (FL)

I have a serious and legal matter with Navy Federal Credit Union. 

I have XXXX checking accounts with Navy Federal. a Personal bank account as well as a business account. additionally I have a business credit card with them that has a balance of {$18000.00} My business has been going through some tough times and is currently in the midst of a bankruptcy process.

Navy Federal has been taking severe advantage and illegal steps in stealing money from me.

As per my attorney, it is illegal for a bank to withdraw money from XXXX entity to pay debt for a different entity. 

my entity XXXX XXXXXXXX XXXX  is a complete different entity than my personal life. I deposited this morning money into my personal checking account which I desperately needed to make a payment and upon trying to make that payment I noticed that Navy Federal withdrew {$740.00} from my personal account as soon as the deposit came in without my authorization and without my consent or knowledge. 

they have done this to me a few times prior as well but not my personal account. they have withdrawn money from my business checking account without my consent multiple times to pay for my credit card ( even when I was just XXXX or XXXX  days past due and not seriously delinquent. ( according to my lawyer this actions may also be illegal and they are further looking into this for me and reviewing this ) however, to go into someones personal checking account and withdrawing money for a different entities/ businesses debt is highly against the law by all means and we will take every action possible about this if the moeny is not back in my personal checking account today. 

I understand if a business is in debt and owns the bank money. I understand there is also protocols in place for them and rules and laws to follow to retrieve back the debt. but to go ahead and make personal decisions for me with my money and proceeding with their own decisions on handling my money is highly highly unacceptable and illegal and I will push every button in the book to hold them accountable for this should my money not be back in my personal account today.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC. (GA)

My name is XXXX XXXX and I am in need of some assistance. There is a class action lawsuit against Santander for predatory lending practices. Nebraska and Georgia are just a few of the states mentioned in the class action lawsuit. Attached is a letter explaining my situation. I would like to know if your assist me, if not, do you know of any other agencies that can provide any assistance? There is also a class action lawsuit against XXXX due to engine failures, fires, and excessive gas consumption. My car is a XXXX  XXXX XXXX and according to XXXX, if my engine is not stalling or knocking, I can not get any assistance. The current lawsuit does not cover excessive oil consumption. My car has a blown head gasket and I still have an outstanding loan on my vehicle with Santander and I can not drive it! 





Thank you for your time XXXX XXXX
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

On XX/XX/XXXX I did a Mobile deposit to a new USAA checking account # XXXX. The transaction posted on XX/XX/XXXX. This was a check for $ XXXX from XXXX XXXX XXXX XXXX issued on XXXX XXXX XXXX XXXX . Understandably the funds would not be available until transaction cleared. USAA stated that the funds would be arbitrarily held until XXXX. I contacted the bank for an explanation. They would not release the funds for 10 days. This is absurd abuse of banking practice.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

Background : - Checks for loan payoff were mailed on XX/XX/2023 - As of XX/XX/2023, Nelnet is not showing any and/or all payments- Confirmed with Title Company that funds were taken out on XX/XX/2023- This is for myself and my husband. 

Check Numbers and the Amounts : Check XXXX U.S. Department of Education {$4400.00} Check XXXX U.S. Department of Education {$5600.00} Check XXXX U.S. Department of Education {$8900.00} Check XXXX U.S. Department of Education {$870.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1300.00} Check XXXX U.S. Department of Education {$1700.00} Check XXXX U.S. Department of Education {$2800.00} Check XXXX U.S. Department of Education {$3600.00} Check XXXX U.S. Department of Education {$3700.00} Check XXXX U.S. Department of Education {$3900.00} Check XXXX U.S. Department of Education {$4400.00} Order of Events : XX/XX/2023 : - XXXX - Reference ID : XXXX on XX/XX/2023. On XX/XX/XXXX, XXXX mentioned despite the checks being cashed by Nelnet that they could not locate them and requested that we send evidence of check numbers and the amounts. 

XX/XX/2023 : - XXXX ( referenced above ). Was able to locate the checks and put in a request to have operational accounting allocate the checks to the accounts. Mentioned it would take 7-10 Business days to show on the account despite Nelnet cashing the checks on XX/XX/2023. 

XX/XX/2023- XXXX mentioned there has been no updated on the account but showed the request in the system. 

XX/XX/2023 : - XXXX ( Employee ID : XXXX ), mentioned she sees the request in the system but informs me to wait until the end of the day given it is the 10th Business Day. 10th Business day meaning it should be rectified on XX/XX/2023. 

I have called/emailed Nelnet several times and they are not addressing the issue efficiently and constantly come up with excuses. If Nelnet cashed the checks which already had account information, name etc, it should have shown in the account.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Aligned Company DBA Extra (NJ)

Extra bank or debit/credit co , started reporting negatively to my account when I noticed they were already reporting for a few months missed payments. I was a victim of identity theft and did not grant permission to 1 report to my consumer report or grant permission to use my ssn and first and last name. I have contacted them on a calculus of occasions and have sent in a litany of correspondence to no avail. I have a consumers report an ftc report as well as affidavit to affirm my truths. Even as well as reached out to cars as they have verified the account even tho my address is incorrect and I have provided affidavit sent to company with tracking numbers in which they had 30 days to respond or removed the negative reports but still have not. I have also pulled a report from the Secretary of State in regards to any debt owed to anyone by myself registered with the state or liens. Which further confirms I have no obligations to pay anyone
Consumer complaint received 2024-05-05
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: SYNCHRONY FINANCIAL (MI)

I was looking to purchase a car and I noticed damages on my credit report. According to the 15 U.S.C 1681 law, there should not be any damages on my report. This is a defamation to my character
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NE)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (CA)

I had Chime Financial mail a check to my landlord on XX/XX/XXXX for the amount of {$2000.00}. 

XXXX XXXX ( my landlords bank ) returned the check due to their own processing issue. Chime keeps saying it was cashed even though I went to XXXX XXXX and they are showing me it was returned. 

The money was never cashed and they can not provide any proof that it was cashed and they have been running me in circles after Ive given them documentation showing it was a returned check. 

Nobody on their back office team seems to be able to provide info and theyre only sending generic emails saying its cashed. 

Neither my landlord has his rent money now and I havent been able to get my money back either. 

Upon looking at the check it looks like they debit the account immediately and then cut the check from a XXXX XXXX XXXXXXXX account of their own to which my returned money is most likely sitting in. I just want my money back please
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (NV)

Subject : Formal Complaint for Violation of Regulation E and Demand for Immediate Remedy To Whom It May Concern, I am writing to you as the aggrieved party in a matter concerning a recent transaction dispute with Chime, which I contend is in direct contravention of the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and its implementing Regulation E, 12 C.F.R. 1005. In accordance with the aforementioned statutes, I hereby submit this formal complaint and demand immediate remediation of the errors perpetrated against my account. 

**Statement of Facts : ** On XX/XX/XXXX, I received a perfunctory correspondence from Chime, indicating a denial of my claim related to an unauthorized transaction. The communication was devoid of any substantive rationale, merely stating " no error occurred. '' This conclusory assertion fails to satisfy the disclosure requirements mandated by Regulation E, which necessitates a financial institution to furnish a written explanation of its findings post-investigation. 

**Legal Grounds : ** The denial letter 's lack of detail constitutes a flagrant disregard for the procedural due process rights enshrined in Regulation E, which explicitly stipulates the obligation of financial institutions to provide a comprehensive error resolution notice. The statutory damages for noncompliance with Regulation E can range from {$100.00} to {$1000.00} for individual actions, with potential class actions resulting in statutory damages of the lesser of {$500000.00} or 1 percent of the net worth of the defendant, as well as the recovery of attorney 's fees and court costs **Nevada Revised Statutes : ** Furthermore, pursuant to the Nevada Revised Statutes, consumers are afforded protections under NRS Chapter 598, which governs deceptive trade practices, including but not limited to the dissemination of false information and failure to disclose material facts in consumer transactions. 

**Demand for Resolution : ** In light of the aforementioned violations, I demand the following : 1. Immediate crediting of the disputed amount to my available balance, as my secure account was debited contemporaneously with the credit extended at the time of the transaction in question.

2. A detailed and itemized statement delineating the investigative process undertaken by Chime, the evidence evaluated, and the justification for the claim 's denial, in compliance with the requirements of Regulation E.

3. Statuary damages in the amount of XXXX $ **Conclusion : ** Should Chime fail to rectify this situation forthwith, I reserve the right to pursue all legal remedies available, including but not limited to initiating litigation for the recovery of statutory damages, attorney 's fees, and any other relief deemed just and proper by the court. 

Please acknowledge receipt of this letter and provide a substantive response within fifteen ( 15 ) business days of its receipt. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-24
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. (NY)

XXXX XXXX has hard pull my credit on XX/XX/year> without my written or verbal consent and thats fraudulent practice and its very unacceptable I hereby exercise my legal rights enacted by XXXX and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking knows or consciously avoids knowing the information is inaccurate and inserting knows or has reasonable cause to believe that the information is inaccurate, and ( 2 ) by adding at the end of the following : ( D ) DEFINITION For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-07-05
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. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ray Skillman Westside Imports Inc (IN)

I have 2 hard inquiries on my credit report for ths same exact date, for the same exact purpose. XX/XX/2016 I started an automobile lease through XXXX XXXX XXXX XXXX. Information on them below : Institution Information XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The dealer also ran my credit and this caused the second hard credit inquiry on the same date of XX/XX/2016 Institution Information XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX I was under the impression you should only be assigned one inquiry for the same exact financial purchase / obligation. 

Thanks!
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Twice before I missed the payment because the bill arrived in my mailbox the day the payment needed to be sent to allow for online 2-3 day delay. This happened again today XX/XX/2023. The bill is due on XX/XX/2023. The bill is postmarked XX/XX/2023. So they actually put the bill in the mail one week before it was due.
Consumer complaint received 2023-08-02
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: EQUIFAX, INC. (CO)

I am submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; US DEPT OF EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2023 ; XXXX XXXX  XX/XX/2023.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XXXX I lost my job due to XXXX and contacted Capital One to let them know, account was paid late but always paid and they were working with me to get the account rectified. Then in XXXX Capital One called me to offer an agreement to give me a break from making payments ( due to XXXX ) for 3 months. After 3 months I would resume making payments as agreed. I took the agreement however, Capital One never disclosed that these payments under their offered agreement would show as late payments on my credit report as well as payments from XXXX when I was laid off due to XXXX. I have called Capital One 3 times in one year and they are not able to find any of this information. I have spent hours on the phone and the promise is that they will call me back with more information but they don't. These late payments are affecting my ability to find employment and housing. Please delete all late payments as this was not notified to me when agreements were made. No one at Capital One seems to know how to help me as I have wasted many hours trying to work this out or even get more information. There are 3 seperate accounts.
Consumer complaint received 2024-05-04
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: Experian Information Solutions Inc. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.