davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NV)

I had a 6+ month fraud case with Discover card. It was finally settled but I had to incur significant expenses providing evidence against the fraud charges. I was told by investigators that my expenses would be compensated was charges were reversed and credited back to account. I didnt request the money from the investigation department because my case and profile was flagged as being only to be handled XXXX XXXX in the executive office. But all I received from her was a message that the request for refund was being reviewed then a letter finally after a few phone calls that the expenses were not being refunded to me because it was my responsibility. Not sure how the burden of proof is my responsibility. I was never given opportunity to provide any information in the case until it was closed. It was never made clear what I needed to provide. They said provide anything I had and they review. It is not a proper way to handle a case. I had to provide information 4 times in order to get the charges reversed. But if from the being was told to provide a police report I would have started with that information. They told me they understood the difficulties in getting the police report based on the location. So, was told to provide everything else as evidence but at the end of the day was not enough until they received police report. My expenses were because discover card doesnt have an automated online portal for uploading information. My only options given were fax or us mail. Well, not knowing I would have difficulty getting information to discover card by fax I used a few different online fax services which had either weekly membership or per page fees. I spent about {$45.00} in fax services but after a month of wasted time and discover card saying they didnt have my faxes or information I decided to use a different method. I then only sent certified mail which I spent {$90.00} sending XXXX packages. Cost of printing and certified mail fees. The last cost was the attorney used to obtain my police report. This cost was {$170.00} since was in a different country ( XXXX ). So the total cost was {$310.00}. I requested {$300.00} to reimburse my expenses. This was denied. Doesnt include my wasted time of 100+ hours. This lack of urgency and lack of technology caused unnecessary expenses. This {$300.00} was more than 10 % of the fraud charges. I want someone besides XXXX XXXX to review my request because she doesnt return my phone calls which is totally unprofessional. I have contacted multiple executives at Discover card without any response or help. Only my file flagged as only refer to XXXX XXXX.
Consumer complaint received 2023-09-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (CA)

Received written notice from Pioneer Credit Recovery XX/XX/2023, see attached Document. 
Attempted multiple times from late XX/XX/2023 to mid XX/XX/2023 to phone Pioneer Credit Recovery with out them returning any of my calls. 
On XX/XX/2023 I sent them a certified letter pursuant to the Fair Debt Collection Practices Act, 15 USC 16929 stating their claim is disputed by me and validation is requested. 
To this day Pioneer Credit Recovery has not responded to my demand.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

On XX/XX/2023 at XXXX XXXX  I attempted to obtain 3 credit reports. The only one I could get was XXXX. Both XXXX XXXX Experian said unable to give report ( s ). No explanation was given. In addition, the XXXX report was only available by using my prior address as my current address ; it would not accept current address of just under 1 year. This is not the first time I've had a problem obtaining the " free credit reports. '' There is always a problem of one kind or another in the past 10 years I have been using the service and I've just given up after the first time contacting Experian by phone and ending up in a lengthy conversation with a representative unable to fix the problem or give an explanation of why the site was not reporting the proper information. I appreciate the " service '' but it's not a service if it doesn't work or is not available. Good PR though. I'd appreciate follow-up on this matter. Thank you.
Consumer complaint received 2024-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WI)

on XX/XX/2024 Nelnet withdrew a payment of {$730.00}. that same day onother company brought and satisfied the loan with Nelnet. Nelnet acknowledged there was and overlap and they would issue my payment to the new company XXXX XXXX, but after XXXX phone calls and a lot of excuses no payment has arrived at XXXX XXXX, I understand the overlap and onther company XXXX also took a payment on XXXX. One phone call and XXXX month later my payment was credited to my account at XXXX XXXX. Al I want is my payment that Nelnet took to be credited to XXXX XXXX ... My Nelnet acc. # is XXXX their phone # is XXXX... My XXXX XXXX XXXX # is XXXX their phone # is XXXX. When I call they agree the money was taken but they haven't forwarded it to new company, I don't understand
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (SD)

Id like to file a complaint on my banker XXXX XXXX at the rapid city sd location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX sd XXXX and US Bank. 

I went in to find out about opening an account with nearly XXXX XXXX XXXX  and the banker named XXXX, lied to me in order to get me to open the account so she would get a commission. She told me multiple times that there would be no transaction limits, something that is very important to me and I repeatedly asked about. After opening the account my card was declined immediately for going over the transaction limits she swore didnt exist. After that she refused to speak with me about other options to avoid limits like opening separate accounts. US bank has ignored the fraud reports completely and all requests for a different account. 

Setting up this account cost me money and now using it cost me a lot of money just to take out my own funds and make separate trips every time I buy something. If theres ever an emergency I wouldnt be able to do anything and it WILL be us banks fail, its also preventing me from working which I do on the road. Now Im on the road and cant get anything done. I have over XXXX XXXXXXXX and they are telling me I can only spend XXXX XXXX  a day. Besides the fraud to get my business, this is also illegal. 

Us bank has ignored the bbb complaint and pretended the fraud wasnt a part of it. This is a serious federal crime I will be seeking accountability for.
Consumer complaint received 2023-07-10
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: EQUIFAX, INC. (NJ)

I have sent numerous letters to Equifax credit bureau to dispute inaccurate information on my credit report. The first letter was sent on XX/XX/XXXX, with my photo id, social security number, and proof of address. The most recent letter was sent on XX/XX/XXXX, and the bureau is not responding or updating any of the disputed information. Each time I sent a letter I waited 30 to 45 days before checking my bureau credit report. I do not understand why the credit bureau is refusing to process my request. I know there might be delays at times, and I even tried to give them the benefit of the doubt for that. There is still inaccurate information reporting on my report. I have included a copy of all of the letters I have sent to the credit bureau with this complaint.
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have tried numerous times to set up direct pay on my credit card, but the banks website would not allow me to for several months. I spoke in person with my bank representative ( who has since left the bank ) and the phone help line, but both said the direct pay function was faulty. 

As a result I stopped intentionally using the card. 

On XX/XX/year> I had a charge from XXXX XXXX that left me with a {$1.00} balance. On XX/XX/year> there was a second charge from XXXX XXXX that left me with a combined balance of {$21.00}. 

I was not aware of either charge and did not receive any notification that they were made, outstanding, or overdue. I only discovered the issue via my credit report when the {$21.00} late payment was reported. 

I find it very frustrating that my credit would be impacted and they can charge me fees/interest as a direct result of their faulty systems. I always use direct pay and had over {$1000.00} in my linked Bank of America bank account that could have easily paid the liability. 

Thanks for any assistance you can provide.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have been charged ( monthly ) by a " vehicle warranty '' company for the past year and a half that I didn't notice. I disputed with Bank of America but they claim they can't help me and said they would put a stop to all future charges. 
Today, I was charged again. Bank of America is disputing again, and gave me the contact information of the company who has been charging me. I reached out but the phone line would beep three times then disconnect.
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

On XX/XX/2023 at XXXX, I was scammed into sending a person {$500.00} for a concert ticket through Zelle XXXX They sent me a screenshot of what I thought was proof of purchase and I stupidly believed them. Once I realized what I had done, I tried to get the money back and of course they blocked me. I went though my bank ( XXXX ) to report the case and they told me it would likely not rule in my favor but they would start a dispute. Here I am XX/XX/XXXX, and sure enough Zelle declined. Since Zelle is attached to all of the banks, I was naive to believe it was safe to use.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (GA)

Greetings CFPB! 

I hope all is well. I filed XXXX complaints ( Complaint # XXXX and Complaint # XXXX ) with CFPB, against AidVantage, XXXX, XXXX, and XXXX to dispute inaccurate consumer report entries and demand that all entry accounts be removed from all XXXX ( XXXX ) consumer reporting agencies. 

To ensure accurate information is reported, I received current consumer reports from XXXX, XXXX, and XXXX ; reports generated between XXXX and XXXX, 2024. Upon my review of each report, I noticed that the accounts for Department of Education/AidVantage were removed from XXXX and XXXX ; yet, still exist on my XXXX report. 

AidVantage reported inaccurate information to all three consumer reporting agencies, and those agencies did not perform its due diligence or quality review to ensure pure accurate information was reported by AidVantage. Their actions violate 15 U.S. Code 1681 ( a ) ( b ). 

XXXX, XXXX, and XXXX are regulated by the laws of the Fair Credit Reporting Act ( FCRA ) and currently, XXXX ( XXXX ) AidVantage accounts were not removed by AidVantage and XXXX, a direct violation of FCRA ; willful non-compliance, per 15 U.S. Code 1681n ( a ) and 15 U.S. Code 1681o. 

Consumers lives are controlled by some aspect of what our background stories reveal and our credit worthiness, a term that is not defined by any code, statute, regulation, policy, or rule. However, businesses and every consumer reporting agency that exist are intentionally not abiding by codes, statutes, regulations, policies, or rules that protect consumers, like myself. Their intent to negatively impact consumers and not comply with laws that have been put in place, MUST be held accountable for their actions. 

I ask CFPB to review the XXXX prior complaints ( mentioned above ) and re-investigate AidVantage and Experians non-compliance to remove all AidVantage entries from the XXXX report because of the inaccurate information. I also seek the maximum fine for damages incurred ; actual and punitive. See attached, copies of the XXXX  ( XXXX ) accounts that still exist on my XXXX report. Invoices will be provided to AidVantage, XXXX, and XXXX XXXX  XXXX, XXXX. ( XXXX XXXX XXXX ).
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$950.00} Creditor is charging a debt in which as a veteran I do not owe. All medical payments should be submitted to the Veteran Affairs XXXX facility nearest to the hospital of visit for payment. All document and information was provided to the medical facility. The medical facility failed to seek payment from the Veteran Affairs as instructed. This debt is not mine and I request the collection be REMOVED entirely from all 3 credit bureaus.
Consumer complaint received 2023-12-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XX/XX/ we logged into Lakeview 's website to submit out payment for XX/XX/. They had " Updated '' their website, and everytime the payment was " submitted, '' there was an error message stating to try again later. 

XX/XX/, we logged back into the website and it showed a payment posted on XX/XX/, payment was submitted on XXXX XXXX XXXX. We immediately reached out to Lakeview through their " Secure Online Messaging System, '' requesting information that only 1 payment was received and not more than that since their was an issue with their website. We received no response. 

On XX/XX/, we logged into our checking account and it showed that there was a payment " In Process, '' for {$810.00}. On XX/XX/, we logged into our checking account again and the payment " In Process '' on XX/XX/ had cleared and that there was another payment for {$810.00} " In Process. '' Once again, through Lakeview 's " Secure Online Messaging System, '' another message was sent stating all of the above with a copy of our checking account with the one payment that had cleared and another in pending status. Since no response had been received from either message sent, a phone call to Lakeview was placed. We spoke with " XXXX, '' who stated that she would put in an " ESCALATED, '' request for the money to be refunded for the additional payment, " as there was an issue with their new updated site. '' We were told that this would be resolved by XXXX XXXX XXXX. On XX/XX/, we logged into our checking account, the 2nd payment for {$810.00} had now cleared, on Lakeview 's website it showed the payment reversed. Another 45 minute phone call to Lakeview was placed and we were then told by " XXXX, '' that the overpayment of {$810.00} had been issued in the form of a check and was overnighted on XX/XX/. No payment has been received. Today, XX/XX/, after another 45 minute phone call, we were told by another CSR that the check had not been issued yet, that this is not something done " Right Away, '' that it must be requested, then can take 4-5 days to be issued and then overnighted. 

This has been a great detriment to our household with having TWO payments taking from our account, and now having to wait over a week to get our funds returned. They had no problems taking our money out twice, have left our bank account in a potential for bills that are pending to be returned and overdraft fees charged. Our understanding was from the first phone call that the money would be returned immediately and no later than XX/XX/. 

We have NEVER been behind or late on our payments and now they are leaving us in a very bad position. Why must we wait for a check, why could the funds not just be returned to our account. It is not our fault that their website is having issues, we have done our due diligence and reached out numerous times and keep getting different answers. 

They need to be held accountable for their actions.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
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 2023-11-23
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: EQUIFAX, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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. (IN)

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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.