davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

In accordance with the fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A 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
Consumer complaint received 2023-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (MA)

On XX/XX/XXXX, {$420.00} was removed from my bank account without any notice. Im in a forbearance due to being a part time law student. There was no notice sent to me letting me know that they needed information from me about my enrollment. I had filed a deferment form with XXXX in XXXX of XXXX  that was good for 36 months and was approved. There was no communication with me about them taking me off forbearance. Without notice they over drafted my bank account and took all the money I had in bank account which is use to get by week to week. Im trying to get them to refund this money but that has not happened despite my request that this be expedited because it was there mistake. Id be filing the complaint regardless because of the lack of notice and the removal of all the money in my account and the subsequent over draft fees.
Consumer complaint received 2018-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NPAS, Inc. (TN)

NPAS continues to make collection calls to me for a non-existent debt with XXXX Hospital in XXXX Tn. 

I do not have any outstanding debt with XXXX Hospital. I have told them MANY times, I have filed complaints with the XXXX. 

NPAS continues.
Consumer complaint received 2023-12-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (RI)

I received a {$250.00} Vanilla Gift Card from work. I activated the card early in the week of XX/XX/XXXX. There was {$250.00} on the card. I went to use it on XX/XX/XXXX to get coffee. When I went to use it, there were no more funds on the card. The balance was {$0.00}. 

I went online to check what happened. The card was drained at a XXXX in California for all of the {$250.00}. I live in Rhode Island. I did not use the card. The card was hacked and drained of all the funds. 

I filed a claim with Vanilla Gift Card, but I have yet to hear back from them. Per my research in trying to solve the matter, draining of prepaid cards is a known issue for this company, unfortunately. 

I am looking to have the issue resolved and have the funds refunded.
Consumer complaint received 2020-07-30
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: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2018-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (NC)

The XXXX XXXX XXXX called my husband and he gave me their number to return their call. When I did it never rang and the man who answered knew who I was before I gave any identifying information. He never identified his name or that he was calling to attempt to collect a debt. He then claimed he was calling on behalf of an attorney to collect a debt owed to XXXX XXXX from XX/XX/2008  in the amount of {$370.00} dollars. This information can not be confirmed by the bank or the consumer reporting company they utilize. When I disputed the debt as I've never been notified of it or had it on my credit report he claimed the bank could never report the debt because I had moved multiple times since XX/XX/2008 and that they contacted me at an address in Florida I've never lived at. He also claimed they had preformed a federal background check on me because they're a law firm and they can do this while the bank can not when I questioned why I hadn't been contacted in the last 10 years. He then went on to threaten me stating that he was putting me down as refusing to pay and they would be reporting this debt to every one of the credit bureaus as well as XXXX and my current bank account would be shut down immediately. He went on to state he knows I'm very intelligent and that I don't want my credit ruined over this.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I had an unauthorized charge every month for XXXX since XXXX and a charge of XXXX. They were pretending to be my XXXX XXXX servicer. I contacted my bank XXXX that I did not authorize this because it was fraud and they responded to the claim telling me that since they provided my social security number and street address that I did infact authorize it and there was nothing else they can do.
Consumer complaint received 2023-07-06
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. (FL)

Received a collection notice and a report on my credit reports regarding a debt from XXXX XXXX XXXX XXXX XXXX. I am XXXX XXXX XXXX and do not owe a debt to this company or a XXXX XXXX. I do not know who these companies are. This is identity theft and I have attached affidavit to support.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-16
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (OK)

I allowed Wells Fargo to change my mortgage and in the process was in the process of selling a parcel and Wells Fargo kept {$28000.00} of the proceeds and put it into interest instead of applying it to the loan as it was described.
Consumer complaint received 2023-11-14
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: FORD MOTOR CREDIT CO. (NC)

On XXXX XXXX, 2023, I visited XXXX XXXX in XXXX XXXX, XXXX XXXX, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) XXXX time ; they ran my credit XXXX ( XXXX ) times. The additional XXXX were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries. 

This company is XXXX of the many where XXXX XXXX sent an unauthorized inquiry.
Consumer complaint received 2022-10-21
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Accounts show the wrong address, phone numbers, and employment. 

Other Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Occupation XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-18
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: EQUIFAX, INC. (NJ)

The following accounts that are reporting on my credit report are reporting inaccurately and I filed disputes for those accounts, and yet to have heard back from the three CRAs in the allotted time that the Bureaus give them to investigate.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

XXXX ORDER IMPOSING CIVIL MONEY PENALTY The XXXX XXXX XXXX XXXX ( FinCEN ) conducted a civil enforcement investigation and determined that grounds exist to impose a Civil Money Penalty against USAA Federal Savings Bank ( USAA FSB or the Bank ) for violations of the XXXX XXXX XXXX XXXX XXXX ) and its implementing regulations. 
XXXX USAA FSB admits to the Statement of Facts and Violations set forth below and consents to the issuance of this XXXX XXXX. 
I. JURISDICTION Overall authority for enforcement and compliance with the XXXX lies with the XXXX of XXXX, and the XXXX may impose civil penalties for violations of the XXXX and its implementing XXXX At all times relevant to this Consent Order, USAA FSB was a bank and a domestic financial institution as defined by the XXXX and its implementing XXXX As such, USAA FSB XXXX XXXX to comply with applicable XXXX regulations. 
STATEMENT OF FACTS The conduct described below took place beginning on or about XX/XX/XXXX, and continuing until on or about XX/XX/XXXX ( the Relevant Time Period ), unless otherwise indicated. 
XXXX XXXX XXXX XXXX The XXXX requires banks to implement and maintain an effective XXXX XXXX XXXX XXXX  ) program in order to guard against XXXX XXXX through financial institutions. 
XXXX Additionally, the XXXX imposes affirmative duties on banks such as USAA FSB, including the duty to identify and report suspicious transactions relevant to a possible violation of law or regulation in suspicious activity reports ( XXXX ) filed with XXXX The reporting and transparency that financial institutions provide through these reports is essential financial intelligence that XXXX, law enforcement, and others use to safeguard the XXXX XXXX system and combat serious threats, including money laundering, XXXX financing, organized crime, corruption, XXXX trafficking, and massive XXXX schemes targeting the XXXX XXXX, businesses, and individualsXXXX XXXX XXXX is a bureau within the XXXX XXXX XXXX XXXX XXXX  and is the XXXX XXXX that enforces the XXXX by investigating and imposing civil money penalties on financial institutions
Consumer complaint received 2023-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC (TX)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX REF : XXXX  # XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Representative, I am reaching out because I need some sort of assistance from the Consumer Financial Protection Bureau concerning my dispute with Specialized Loan Servicing, ( XXXX ). XXXX has consistently demonstrated to be a corrupt, dishonest, deceptive, and irresponsible entity. XXXX engages in deceptive tactics to purposely and intentionally create accounting errors to allege escrow account shortages by making illegitimate payments to the wrong County Appraisal Tax Authorities. This deceptive scheme serves its purpose to extract additional funds from its customers and consumers as well as to promote confusion. 

Background of my dispute In XX/XX/XXXX, XXXX issued XXXX checks for property taxes and MUD water district taxes in the following amounts : {$3900.00} and {$1800.00} to the wrong XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, XXXX claimed to be issued a payment to XXXX XXXX XXXX for {$2400.00}. However, in XX/XX/XXXX, XXXX days later, I contacted XXXX XXXX XXXX XXXX to inquire about this XX/XX/XXXX payment, but XXXX XXXX XXXX could not locate it, which I provided the account payment history given to me by XXXX XXXX. 
In XX/XX/XXXX, I wrote a letter to XXXX requesting a copy of the tax notice and a copy of the check. So, XXXX plus days later, XXXX seems to be reluctant to provide any evidence of this XX/XX/XXXX payment made to XXXX XXXX XXXX XXXX 



I am getting frustrated by SLS incompetence, dishonesty, its deceptive practices, and sloppiness. Therefore, I would really appreciate it if the Consumer Financial Protection Bureau helps me find an amicable solution by submitting this dispute to mediation. 

I am a XXXX XXXX, and I am getting sick and tired of discovering errors, and all these illegitimate payments made from my mortgage escrow account. Also, it is getting exhausting dealing with this corrupt, dishonest, deceptive, and irresponsible entity. Consequently, I plead for this agencys help so that I can recover the sanity and peace of mind that I used to have with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, when XXXX acquired my mortgage note from XXXX XXXX XXXX XXXX  has been a constant ordeal, nightmares, and annoyances. 

Resolution to solve the dispute Mediation. 

Finally, I profoundly encourage the Consumer Financial Protection Bureau to investigate the overwhelming number of complaints filed against Specialized Loan Servicing with the Better Business Bureau. I believe that XXXX XXXX plus complaints seem to be an indication that XXXX is a shady and dishonest mortgage servicing company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION (NV)

Re : Wire Fraud synopsis Nevada State Bank On XX/XX/XXXX I checked my balances for my checking and HELOC accounts at Nevada State Bank and discovered they were both reduced to XXXX by way of fraudulent wire transfers initiated by unauthorized access to my account by unknown hacker ( s ). I immediately notied bank personnel and changed both my password and phone notication number. Ultimately, I found out there was a prior change made to the phone notication to an out of state number ( XXXX XXXX ) number by which the hacker was able to approve the wire transfers. It is unknown to me at that time as to the details, i.e., date and time ( although I later determined the transfers occurred on XX/XX/XXXX ), banks and parties involved, and other details leading up to and subsequently resulting in the chain of events described below. 
I met with bank personnel the next day to nd out what I must do to recover my funds and prevent a recurrence of this fraudulent activity. I closed my old account ( ending in XXXX ) and opened a new account ( ending in XXXX ) to protect my remaining funds and pending ACH deposits. Incidentally, I was notied by text message to my NEW phone number that ongoing fraudulent wire transfers from my old account were being attempted by yet unknown hackers, even after I changed my PASSWORD for the old account. The hacker ( s ) were able to obtain my NEW password for my old hacked account, which I maintain was the primary cause of prior hacking, from within the banks computer system. I certainly did not, and will arm by sworn adavit, authorize anyone either the use of the passwords or to change the phone number. 
Since XX/XX/XXXX I have not received any written notication from any bank personnel, save a curt email response on XX/XX/XXXX to my XX/XX/XXXX email to request such information. I have received XXXX separate wire credits to my NEW account of XXXX on XX/XX/XXXX and XXXX  on XX/XX/XXXX but with NO details and/or explanation. I inquired of bank personnel of the nature of such wire credits and was told this is the recovery from other banks and that the investigation of the fraudulent wire transfers was closed, again with no written notication with details. 
In my email of XX/XX/XXXX I ask for back up documentation for various actions taken by the bank, as well as any data that would substantiate the decision of the bank to withhold the return of XXXX, XXXX to my account. Instead, I received a terse reply of escalating this to our legal department, which I am presuming is the bank is posturing for a ght that I do not want, nor can I aord to pursue. 
I request your law rm to look into this situation, request any clarifying documentation from either myself or the bank and assess the proper course of action that will result in a resolution of this matter. I trust your judgment as to what possible resolution ( s ) are available and how best to reach a settlement. Thank you in advance for your time and consideration.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (PA)

I filed a previous complaint and your agency did nothing to address the issue except to close the complaint after a form letter that was sent to you about the loan. On XX/XX/XXXX applied through the Department of Education for the XXXX program. Called Nelnet on XX/XX/XXXX ( XXXX hours on hold ) and they said they didn't get it ( conveniently either Dept of Ed is negligent or nelnet but most likely both ). Took my time to give the rep all the tax info and uploaded it to the site while on the phone with the rep, and she said I was verbally approved for Save and would be put in the program within 10 days. Never happened. Called again in XXXX, another XXXX hours on hold, and was told they were waiting for my tax form, when I informed them it's already on their site and I could see it. Was told that it would be approved. Filed complaints. I received an email on XX/XX/XXXX stating that my request has been approved and to give them 10 days for it to apply. Gave them 10 days was never applied. Received an email on XX/XX/XXXX stating that I am now in forbearance with the interest that continues to accrue. Received another email on XX/XX/XXXX stating I need to pay them {$5.00} for the income based plan to happen. Why am i paying this fee when they are already collecting hundreds of dollars in interest that should not be accruing due to my application on XX/XX/XXXX and XX/XX/XXXX. Nelnet has a vested interest in dragging their feet to approve plans since they are gaining profit from the interest people are paying. The interest needs to stop accruing until this plan is implemented. I have done everything requested they have not. I should have the option of choosing my loan service provider because I would not choose Nelnet. Look all over the internet about their issues. They should not be allowed to stay in business and your agency should not just close complaints with absolutely nothing being resolved. I will be calling Nelnet again on XX/XX/XXXX and will probably be on hold for hours again. This needs to stop.