davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

There are 3 accounts on my credit file being reported by XXXX  # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX   reports 60 days XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (NC)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-10-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile has failed to maintain reasonable procedures the operations to ensure, the maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note, or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX .... The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX  months or the last XXXX years for employment purposes. FCRA 15 USC 1681
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

Not only did LexisNexis violate this, they confessed to me that they did a bad investigation and violated the FCRA by saying the following : LexisNexis does NOT guarantee the accuracy of truthfulness of the information in this report as to the subject of the investigation
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (NY)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

According to the FCRA information on my credit report should be accurate. The names and addresses listed below should be removed from my credit report. enclosed will be my current Driver License with my name and address that should be shown on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: JPMORGAN CHASE & CO. (FL)

Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am asking for help with my investigation this company is re-insert previously deleted accounts and have re-inserted the accounts on my credit report I have attacted three accounts the were deleted and now re-inserted on my credit file causing me to lose my employment and now going though financial hardship please help with accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against Wells Fargo , Plaintiff 's Attorney XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX NY XXXX and referee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for Violation of Due Process Rights in Foreclosure Auction ( Case No. XXXX ), and violation my consumer rights to PRIVACY & CONSENT. 

DEAR CFPB, I am writing to file a formal complaint against Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX, XXXX regarding their handling of the foreclosure auction of my property scheduled for XX/XX/XXXX, associated with case number XXXX. 

I. Violation of XXXX Real Property Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004 The foreclosure process undertaken by Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX has failed to adhere to the required procedural steps as mandated by XXXX XXXX XXXX  Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004. This non-compliance has resulted in a violation of my due process rights. 

II. Request for CFPB Intervention I respectfully request that the CFPB investigate these violations. Wells Fargo, XXXX XXXX XXXX XXXX the plaintiff 's attorney, and referee XXXX XXXX XXXX XXXX do not possess the jurisdiction to proceed with the auction of my property based on their procedural misconduct. 

III. Conclusion The actions of Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX have not only disregarded legal procedures but also my rights as a consumer. I urge the CFPB to take immediate action to address these violations and to assist in halting the scheduled foreclosure auction. 

XXXX XXXX XXXX  WELLS FARGO CONTINUES TO SHOW UNCLEAN HANDS AND FRAUD UPON THE COURT XXXX XXXX XXXX 

XXXXAS A CONSUMER AND XXXX AS MY CREATORXXXX Thank you for your attention to this serious matter. I am looking forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX text or call CFPB ONLY
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (TX)

On or around XX/XX/XXXX, I contacted Affirm for a refund. I advised them that is has been 2 months and I have not receied the service I paid {$12000.00} for from the merchant. I had signed up for a service to help with marketing for my business from a company I found on XXXX called XXXX but it was advertised from XXXX. I contacted Affirm since they were they onces I am paying back for the {$12000.00} which they have paid to this company. The reason for my refund request is that it has been 2 months and nothing has been done. I signed up around XX/XX/XXXX. Due to nothing being done, I missed Black Friday and I missed the opportunity for Chisristmas to generate a substantial amount of revenue to make back the XXXX and more. Affirm asked me to contact the merchant and the merchant claims I am not entitled to a refund at this point. I disagree because they did not do what they were paid to do and frankly they ( XXXX XXXX ) had no reason why nothing had been done in 60 days. That is horrible customer service and a disrespect for me as a businessowner trying to make a living. This delay has been extremely stressful. Due to putting my last deposit in with the expectation of making money over the holiday has placed a massive hardship on my finances. One of the messages from the seller states they were planning on a XXXX launch. When was that suppose to be communicated with me, because I would have NEVER agreed to that knowing my financial situation. After I contacted the seller now they want to rush and do what they were paid for but at this moment I want my money back and move on. Either way, it does not take XXXX plus day to put together a campaign. They sent me numberous form to complete but nothing concreate in terms of a campaign launch. As for Affirm, I want them held liable because they did absolutely nothing to help me in this matter. I want a full refund, I want to cancel my agreement which I do not recall signing one. I am contacting you because Affirm is not helping at all even though I am making monthly payments to them they need to pay for my pain and suffering. I do not have money to give away for not doing your job and I definately do not want to do busines with anyone who does not value me as a customer that's with Affirm and XXXX XXXX. This has caused an extreme amount of pain and suffering personally and professionally.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank Loan Operations, Escrow Management Services Dept personnel are doing discrimination against home owners. 

They sent me a letter asking for proof of insurance which I emailed them the proof on XXXX at email XXXX Todays letter I received is dated XXXX. 

They harassed me last year and I submitted the letter and they kept sending me letters upon letters instead of checking their stupid email. 

They never ever acknowledge their emails and keep sending letters and notices. 

Their tactic is very simple. Force home owners to pay their insurance even when insurance is already paid. Please see attached email proof. 

I even resent the email again today. 

This is clear harassment.
Consumer complaint received 2023-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Within the past year I consolidated my loans under the federal umbrella in order to take advantage of the option now titled SAVE. I set up automatic payment as an option with NELNET, my assigned servicer, which was confirmed. The first payment was due on XXXX XXXX. As of the XXXX, nothing has happened. Although the web site states that processing may take two days to process, my account has now been placed in overdue status. NELNET no longer responds to e-mail requests fir information. Worse, I was placed on hold for nearly four hours today trying to reach NELNET. I finally gave up... it is far easier tobreach the IRS than NELNET! I assume that there is some routine issue that explains why my payment has not been processed, but why am I being placed in an overdue status? It is frustrating not being able to conmunicate with my servicer, and unconscionable that when I have done everything required to ensure timely payment, I am being treated like a drlinquent drbtor.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

On XX/XX/XXXX, I tried making my first XXXX withdraw requests from Citizens online bank totaling {$6000.00} split between XXXX of my savings accounts. These funds were to be deposited back to the same bank account where the money originated using XXXX, but they were almost immediately denied, and all my accounts became frozen. In the time since, I have called customer service numerous times and even spoken to their managers, but they have each given me no useful information nor a timeline of when my funds would be made available again. They would not even allow me to close my frozen accounts.
Consumer complaint received 2023-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These are not my inquiries. I believe I have been the victum of identity theft. 

I have already submitted a request to CFPB and to Transunion, but Transunion has not removed these inquiries from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquires immediately according to the Fair Credit Reporting Act.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (FL)

I have student loans XXXX with a school that has been closed due to student loan fraud in XXXX XXXX which is public record and Im a victim. 

The older XXXX student loans are over XXXX XXXX XXXX and still on my credit report These remaining loans are fraudulent as well. XXXX XXXX XXXX has a clause in their Ethics Code to give XXXX first choice in a review broad hearing. 
I was forced to retake classes I passed which cost more in loans and grants. 

Not given my rightful process to fight my case goes against their own policy Which voids my agreement with paying my loans
Consumer complaint received 2023-10-21
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)

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.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2024, I was a victim of a scam. Everything started with me having a problem with my XXXX account. I looked up a number to call and I came across a number on google. When I called the number found, I spoke to someone who impersonated a XXXX agent. They informed me that my account had been locked because I hadn't completed the verification process. They added that they were willing to help me solve that issue. This is how they proceeded to ask me personal information and ask to remotely access my computer to help me better. They had me go to my bank account ( Wells Fargo ) that was linked to my XXXX account, then had me initiate some money transfer from my bank account to XXXX for the amount of {$700.00}. Then they had me go on metamask and had me create an account with XXXX and XXXX, passing all the verification process. That was supposed to make the security features strong so in case my account was hacked it would have been difficult for the hackers to access it. They then transferred {$1100.00}, {$1400.00} and {$1400.00}. The money was supposed to have been sent to my XXXX account then back to my checking account. When I questioned the amounts, they kept on saying that it was what the computer generated and not to be worried because the money was going to be deposited back into my checking account.But as time went by I realized that no money was being sent back to my checking account, and that they were actually draining my account buying cryptocurrencies and moving the money to digital wallet. I started to record the phone call then. I try to contact my bank via chat, sending help alert but the chat was not available. I then, call the bank to explain what happened and to ask them to stop the payment but I was told that because they were made with a debit card, there was no way to stop them and I was instructed to file a claim, which I did. I was tricked into believing that I was making legitimate transaction and now my bank rejected my claim and I just can t afford to lose all that money that I worked hard for to the hands of scammers. What is more, since I had opened my account I never spent such a large amount ( {$4700.00} ) within minutes, which is already a red flag. At this point, I feel really disappointed in my bank and I do not feel protected. I do not agree with their decision and I do not understand how they came up with the conclusion that no error had been made, how they are denying the fact that I was scammed.
Consumer complaint received 2024-01-18
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/2024, I received an email from Synchrony bank informing me that they would start charging my account {$1.00} for a paper statement beginning XX/XX/2024. 

The credit card company is giving consumers less than 2 weeks notice about a significant change to the credit card agreement.

This is a discriminatory practice, not all customers have access to online means to obtain and pay their bill. They should not be charged {$1.00} a month to receive their credit card statement.
Consumer complaint received 2024-03-30
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: Experian Information Solutions Inc. (NC)

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

This complaint to WELLS FARGO for allowing inaccurate information and fraudulent account on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Consumer complaint received 2024-01-18
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: JPMORGAN CHASE & CO. (WI)

I sent a payment to XXXX Credit Card in XXXX. It was processed by JPMORGANCHASE and withdrawn from my checking account on XX/XX/XXXX. XXXX said I never made a payment so I sent them a copy of cancelled check and back of check for who and when they cashed it. XXXX said they would do nothing about it and I had to get it from JPMORGAN. After XXXX days and being on hold off and on for XXXX minutes they said they would not do anything because I don't have a card with them. So I asked her why they took my money then. 
JPMORGANCHASE owes me {$210.00}.