davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance Owed : {$500.00}
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (PA)

Dispute was entered with XXXX in 2019 over XXXX XXXX  taking XXXX payments from my bank account. I refused to pay what I believe was a double payment & paid the proper single payment. XXXX later sold the loan to XXXX, XXXX and eventually Community loan services. After it went to XXXX XXXX services I made regular payments outside of negotiated payments during XXXX & paid loan in full 2 years ago. Even after loan was fully paid my credit report still shows numerous late payments because XXXX loan services refused to take late payments off & kept applying late payment from XXXX dating back XXXX years to the front of the loan. I need these old late payments gone
Consumer complaint received 2023-12-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NC)

I and over XXXX other employees at my job received American Express e-gift cards for an end of a year gift. Mine was for {$1200.00}. No online stores that I have tried will accept this card. They process a test hold of XXXX cents then decline the actual purchase. 

The stores blame Amex. I called Amex and they can't provide a solid answer. They tell me to use it at other stores, but see unable to tell me a single one that will accept the card. 

Others have been told it is an anti fraud mechanism. 

I requested to cash it out, and Amex declined to do so.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (NY)

In XXXX I opened a XXXX XXXX with a US Bank agent. I open this account for a {$500.00} bonus incentive. When I went to fund the account via XXXX it was rejected. I called US Bank only to learn that they closed the account ( I received a check book for this account ) without my knowledge nor consent. They then reopened the account again without my knowledge. I had to send in the signature card as there is no branch in NY. Then I funded the account with over {$7500.00} & did a direct deposit which was a requirement for the bonus. I fulfilled all the necessary actions for the bonus. I have called numerous times to inquire when I would be receiving the {$500.00} bonus, I was informed that I am not getting the bonus as this new account was opened in XXXX & the bonus was only in XXXX & XXXX. I was scammed as the original account was opened in XXXX & a US Bank agent added a new code ( XXXX ) to my account to insure that I got the bonus. I am a victim of fraud, & US Bank CEO ( XXXX XXXX ) ignored my emails. I would like you to investigate this issue as I am entitled to the {$500.00} bonus ( which is the only reason I opened this XXXX XXXX account. Thank you
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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.

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 2023-12-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I resided in Wisconsin until XX/XX/XXXX, where I held a monthly car wash subscription ( XXXX 'XXXX XXXX XXXX ) billed to my Capital One Credit Card ending in XXXX. Upon relocating to XXXX, GA on XX/XX/XXXX, I took proactive steps by canceling the subscription in person with XXXX 's, which does not operate in the state of Georgia. 

The subscription started at {$22.00} and increased to {$26.00}. Despite canceling in person and disputing unauthorized charges with XXXX 's in XXXX and XX/XX/XXXX, their response was to direct me to dispute the charges with my credit card company. Consequently, I lodged disputes with Capital One for charges in XXXX, XXXX, and XX/XX/XXXX, resulting in resolved disputes and credited amounts to my account. 

Surprisingly, subsequent disputes were handled differently, with some closed and initial credits reversed, while others were denied citing the age of the dispute. I am perplexed by the inconsistency in the resolution process, given the identical circumstances. The charges only ceased when I acquired a new card. 

Regrettably, Capital One did not satisfactorily resolve this matter, prompting my request for an investigation by the Consumer Financial Protection Bureau ( CFPB ). I believe I am due credits for the disputed charges, and I seek a fair and comprehensive resolution to this ongoing issue.
Consumer complaint received 2023-12-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: The CMI Group, Inc. (TX)

XX/XX/XXXX - collection reported to XXXX  by Credit Management LP, XXXX, TX XXXX for XXXX {$370.00} delinquent as 0f XX/XX/XXXX. Phone XXXX. 
XX/XX/XXXX - collection reported to XXXX  by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, TX XXXX delinquent for XXXX {$1300.00} past due account XXXX phone XXXX. 
I reported dispute to XXXX  & XXXX restoration. Accounts are fraudulently opened and they are not mine. I have lived at my residence for 30+ years and have no association with these accounts reported under my name and social security.
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have not received my end of the year Statement from Select Portfolio Service. It is against the law, for Select Portfolio Service, not to send my end of the year, 1098 statement. It is against the law, not to receive my monthly statements on time. Select Portfolio Services forged my name to fraudulent documents that were cut copied and pasted. I have a paper trail of deceitful acts from Select Portfolio Service. They will lie cheat and steal. Select Portfolio Service lied on my credit report, which is against the law. Select Portfolio Service, sent me a letter with a different address, than the address on my my mortgage statement, telling me to mail my payments to a fraudulent address in Florida, the address on my mortgage statement, is in Utah. The fraudulent letter and address did not match the address on my mortgage statement. I switched home insurance, to XXXX, and XXXX notified Select Portfolio Service. Select Portfolio Service is a corrupt company. When the company respond, it has absolutely nothing to do with your response. I have a paper trail of deceit from Select Portfolio Services.
Consumer complaint received 2023-12-24
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I activated and then tried to use my Amex XXXX Card at : XXXX to pay for products XXXX to buy a XXXX  card XXXX restaurants to buy XXXX cards XXXX restaurants to oay for food ( XXXX ) XXXX bars to pay for drinks ( XXXX ) Link to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX retailers I called Amex twice to report the problem. I checked it was activated and then tried it again at XXXX, XXXX and many XXXX stores and at restaurants and bars. It still does not work anywhere I have tried ( more than XXXX sites, bars and restaurants. 

I can not even check the balance of the card on the Amex site after XXXX  attempts.
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (CA)

I signed for this mortgage in XX/XX/XXXX. I recently received an Annual Escrow Account Disclosure Statement informing me that my monthly payment will be increased by {$590.00}. After many calls and about hours spent trying to resolve this I was informed that there are no supervisors who will discuss this issue with me. 

When I signed for the loan I selected the terms of the loan based on the payment estimates I was given by PMRI. I was not told that this payment did not include my homeowners insurance. Apparently they neglected to collect for the mortgage insurance payment for 18 months which put me in a low escrow balance situation. They recently discovered this oversight and and are demanding that I repay the 'shortage ' in one year. 

I am a senior living on a fixed income. An increase of nearly {$600.00} per month will cause hardship. 

If they had quoted the proper payment amounts at the time of the loan origination I could have selected different terms. I did no have that opportunity due to their error. 

PRMI 's failure to notice that they were not collecting for the homeowners insurance should not have gone unnoticed for 18 months. Their poor financial controls are causing me unnecessary hardship. 

In addition, my homeowners insurance cost {$2400.00} which they paid on XX/XX/XXXX. But they are charging me for XXXX, which is {$380.00} more than the actual cost they paid.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (MO)

Received a phone call I was being sued and there was a court summons they were trying to deliver. Was given the name of the law firm of XXXX XXXX XXXX with the phone number XXXX. Called the number and told them it was discharged in bankruptcy. They said it wasn't listed. I told them I could send them a copy of the discharge papers and he said, " I can take care of it. '' and hung up. I called back and asked for their address and was told XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, Texas. This address is erroneous.
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (CA)

Failure to Reissue Stolen Reimbursement Check and Conflicting Information Provided. 

Within the past year, the school of which I was paying my loans to closed. However, I already had some payment made on those loans I took out. 

After the school closure, a reimbursement check was supposed to have been sent due to the closure. 

After not receiving the check, I contacted Nelnet ( XX/XX/year> ) and spoke to XXXX XXXX who informed me that check had already been cashed, and that the Department of Treasury would mail me a Fraud Package ( which I never received ). 

The second time I reached out for more information, they informed me that they would simply resend me a check I have not received any fraud package, nor another check, nor any information as to who cashed ( which should be available ) said check since this date and so on.
Consumer complaint received 2023-12-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/XXXX XXXX requested a wire transfer from XXXX XXXX in XXXX of XXXX euros ( about XXXX US dollars ) to my account at Citizen bank in XXXX 
Citizens reported receiving XXXX dollars. 
When asked for transfer details they refused. 
XXXX system was used but I cant contact XXXX only banks can. 
Was the missing amount stolen or???
Consumer complaint received 2024-01-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (SC)

This is my 2nd attempt to pay off an amount to Chase Bank. I have not received anyway to pay off the account as their Rep stated on the phone call that I recorded that they dont have access to the account. Again, I am trying to submit payment on a account. Please provide a way to pay off the account so that the pay amount can be reflected on my credit report.
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navient, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX, and Navient whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-30
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. (OH)

I would like to dispute the following inaccurate account on my credit report. 

Equifax : XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX XXXX : XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$130.00} XX/XX/XXXX
Consumer complaint received 2024-05-30
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. (GA)

I am writing to seek the assistance from you in resolving issues related to my credit report. Despite my repeated attempts to rectify these matters with the respective financial institution, the inaccuracies remain unaddressed. Specifically, I am facing problems with the correction of a late open account and the removal of an erroneous charge-off account. I have noticed an account listed as " late open '' on my credit report. This is incorrect, as I have consistently met all payment deadlines. Despite multiple disputes submitted directly to the financial institution, this error has not been corrected. The continued presence of this inaccurate information is adversely affecting my credit score and financial health. There is a charge-off account on my credit report that is incorrectly reported. I have provided the financial institution with all necessary documentation proving that this account should not be listed as a charge-off. 
My attempts to resolve this matter directly with the institution have been unsuccessful, as the charge-off remains on my credit report, causing significant distress and financial difficulty. I am requesting the CFPB 's intervention to ensure that these matters are resolved in accordance with the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported to credit bureaus. The ongoing presence of these inaccuracies is a violation of my rights under the FCRA and has caused me undue hardship.Please help me orrect the late open and remove the charge off accounts immediately : XXXX. XXXX XXXX Balance Owed : {$4000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX Balance Owed : {$0.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-04-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I got 6 emails this morning, XX/XX/2023 describing the opening of a bank account in my name with my email. They then changed signed up for mobile banking and changed the email with the account. I then looked into what to do and came here.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please examine the documents? There are some inaccuracies in the listed accounts, including wrong amounts and dates.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( Experian and XXXX ) but XXXX came back as unverified and was removed from report. 

XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of this unknown inquiry from my record, despite these attempts to rectify the situation. Despite providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the unknown inquiry from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the unknown inquiry : XXXX XX/XX/year>.
Consumer complaint received 2024-07-30
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. (MI)

i reviewed my credit report and noticed unauthorized inquires. i contacted the creditors listed below and they have NO proof i initiated the inquires, they have no written or verbal authorization. 
. according to section 604 of the fair credit reporting act 15 us code 1681b and 15 us code 1681i ... my rights have been violated. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing a complaint against XXXX XXXX  due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.