davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mr. Cooper Group Inc. (NC)

My name is XXXX XXXX, I'm trying to refinance my home through XXXX XXXX to get equity from our home XXXX XXXX did a credit check with my permission. Mr. Cooper who is my mortgage company, charged my account {$25.00} dollars for what is called an expd quote Delivery fee. Mr. cooper had no dealings with my credit check. My account with Mr. cooper is XXXX The statement date is XX/XX/2024 they have no right to charge money for something they did not do. 

Sincerely XXXX XXXX
Consumer complaint received 2024-01-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

On XXXX XXXX, 2024 I made a purchase from XXXX XXXX for {$130.00} The agent at US bank says the transaction was authorized Authorized approved : XXXX {$130.00} However, XXXX XXXX says that there is no such approval or order confirmation on their end. 

US Bank representative, kept blaming my notification settings was the issue. She kept stressing that because I didnt have my phone number selected for notifications. That was the reason why that I was not getting any of my transactions approved.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (MI)

ChexSystems placed a security freeze on my report without my authorization and have failed to provide the pin I need to life it. The pin they claim they are sending out is not to me and the security freeze is causing me problems with my bank. I have called ChexSystems numerous times to have this fraudulent security freeze lifted and received whatever allege pin they have sent to me so I may have access to my consumer file. Do not ask for my identification it is attached to this complaint to verify my identity. My only address is XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX and that should be the only address you send correspondence to. My name is XXXX XXXX remove any other name that you may have.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

I submitted my final PSLF form in mid-XXXX. It has been over 45 days, which is the maximum processing time. My certified payment count was not updated. 
I called to check on the form, and they said the form was already processed, but they failed to update the count at all. They said it would be re-processed and completed within 5-7 business days. Several weeks later, nothing has happened. 
I should be done with PSLF, but now I am having active billing restart. They are past their processing deadline, and other people I know who submitted later than me already got their counts updated. I don't know what else to do.
Consumer complaint received 2024-02-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Consumer Financial Services (WI)

I purchased a car on XX/XX/2023 from XXXX XXXX XXXX sales in XXXX IL while there they told me that I was required to buy a motor club membership in order to get the loan. I told them I was not interested and they said that " you will be denied credit if you do not purchase the membership and it's only XXXX $ a month anyway so you will barely even notice the difference in your monthly payment '' They told me the bank requires it. I was talking to a former car salesman and he told me that was payment packing and that I need to file a complaint.
Consumer complaint received 2024-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I work at the federal government and Im in PSLF. I have 118 qualifying payments andXX/XX/XXXX was suppose to qualify to be eligible for employment certification to make it XXXX. I called today and was told that they are aware that XXXX is not populating in the eligible payments and will be fixed. When I checked they put XXXX in the ineligible payments. I asked when will it be fixed and the person that helped me can not provide a timeline or when it will be done. Im two payments away from forgiveness and I dont trust mohela and I want my XXXX month to count. I want my account to be updated properly.
Consumer complaint received 2024-03-22
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. (GA)

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. This account XXXX XXXX XXXX XXXX, are not complete and accurate.

I sent a letter asking them to make sure everything is complete and accurate.

They haven't sent me back anything about the investigation. They are ignoring my disputes.

And according to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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 2021-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

On Monday XX/XX/2021, I received an e-mail from Coinbase stating my account was closed. They stated that I can transfer all of my balances to external wallet. I logged in to transfer my balances but noticed that my XXXX balance of nearly XXXX coins XXXX or around {$130000.00} at the time of this message ) was not shown. I attached screenshots of the same. 

I have contacted the Coinbase Support on same day via Case # XXXX and got unhelpful responses ( see attached e-mail exchange ). I have reached to Coinbase via XXXX and XXXX as well, without any replies. I've made USD to NU trades on XX/XX/2021 and XX/XX/2021 for a total of about XXXX coins
Consumer complaint received 2023-10-12
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. (GA)

Experian has been providing inaccurate credit report data to lenders upon request, that contain data that does NOT actually exist on my credit report, but HAS GREATLY AFFECTED APPROVAL ODDS ; Such as, ( FALSE REPORTING - " BANKRUPTCY/PUBLIC RECORD '' ) when neither exist on my credit report! 


XX/XX/2023, XXXX pulled my report and I did NOT receive any alert or reference number. An error message of " can not process, try again later '' appeared after my request. 
I was not aware this inquiry had been actually processed due to the error message and lack of notification, reference number nor alert from XXXX nor Experian, and it's being hidden in Plain sight. 

The inquiries on my file are listed in chronological order EXCEPT XXXX  which should have been the first inquiry listed, but instead it is listed between the months of XXXX. Although, it's XXXX and the last inquiry requested this year. 

Upon calling XXXX for further information about this inquiry, I was then informed the request had been DECLINED for several reasons such as : Too many inquiries, PUBLIC RECORD / BANKRUPTCY and several other adverse reasons that are NOT RELEVEANT OR INCLUSIVE TO CREDIT APPROVAL. 

Experian is also screening my calls. Unable to speak with a live agent. Automated system claims my information ( ssn and zip code ) does not match, although it does. 

Experian claims their company only provides reports to lenders, but actually seems to be playing the initial hand in my applications being DECLINED/DENIED, by using subtle DISCRIMINATION through the forms of REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT and CONTINOUSLY denying me CREDIT, DESPITE having NO ADVERSE INFORMATION AND AN AVERAGE CREDIT SCORE in the upper XXXX, based on INCONSISTENT BASIS OF APPROVAL. 

Violation of FAIR LENDING LAWS, FCRA, ECOA TITLE VII OF CFPB and the CIVIL RIGHTS ACT of 1866. 

My score, TAMPERED WITH, also dropped XXXX XXXX  from this " hidden XXXX inquiry '' resulting in a DECLINED NOT DENIED APPLICATION. 

I HAVE VERY GOOD REPORTING HISTORY AS FAR AS PAYMENTS, AND CLOSED BALANCES FROM OVER 6 YEARS AGO TOTALING LESS THAN {$900.00}. 

I WOULD NOT HAVE SO MANY INQUIRIES IF I were NOT targeted and profiled through UNFAIR LENDING PRACTICES such as, REDLINING, DISPARATE TREATMENT and DISPARATE IMPACT by Experian. 
EACH TIME I submit a request FOR CREDIT. 

FOR THE LAST 6 MONTHS I HAVE BEEN DEALING WITH UNFAIR/DECEPTIVE PRACTICES by Experian and others to the point of exhaustion! 

Bureaus should be REQUIRED to have more EFFECTIVE laws governing the practice and USE/DISTRIBUTION OF CONSUMER REPORTS with TRANSPARENCY.
Consumer complaint received 2023-02-27
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. (SC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-10-29
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: EQUIFAX, INC. (IN)

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 2024-01-25
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. (OR)

Department of Education had sent the updated status to all three credit bureaus : XXXX, Equifax, & XXXX. 

XXXX and Equifax did not update the remaining loan per the Dept. of Education status to the bureaus. 

I contacted Department of Education on multiple occassions including today to confirm status update. They informed me that they had sent the updates to the three bureaus over 12 months ago. 

XXXX XXXX Equifax has still not updated the correct information : Stating : " Loan/Account number : XXXX, Original date of account : XX/XX/2010, Original amouont : {$57000.00}, is satisfied, paid, no lates, and should be deleted. ''
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Dear CFPB Representative, I am writing to file a formal complaint against Capital One regarding the handling of my account in relation to a disputed wire transfer initiated by a client for whom I was providing concierge services. 

The sender engaged my services as a concierge on XX/XX/24 til XX/XX/24, and the attached messages detail the nature of our relationship. I understand that the sender is disputing the wire transfer due to personal reasons, specifically involving marital infidelity. While I empathize with their situation, I believe it is important to separate personal matters from financial transactions. 

I am seeking the intervention of the Consumer Financial Protection Bureau to facilitate the prompt release of all funds held in my account by Capital One, including the disputed {$15000.00} transfer. Additionally, I request the reopening of my account to restore access to banking services. 

This action has caused significant financial hardship and distress, as I rely on my Capital One account for essential expenses and daily living. 

I appreciate your attention to this matter and look forward to your assistance in resolving it expeditiously. 

Thank you. 
XXXX XXXX
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In Accordance with the fair credit reporting act of these companies has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My XXXX year old mother, name withheld, of which I am Power of Attorney, was called by a " foreign '' man named Mr. XXXX on XX/XX/XXXX or XXXX, 2020 saying she had won the XXXX XXXX XXXX XXXX   jackpot prize of XXXX dollars and a new XXXX car. He called from a XXXX number, XXXX, and told her not to tell anyone. He said she had to pay fees to collect the prize money and had her go to various sites, XXXX, XXXX and her bank to purchase {$500.00} VISA cards. Mom put over {$3000.00} on her XXXX credit card, and at Bank of America deposited {$4200.00} into this another BOA account # XXXX XXXX XXXX, routing number XXXX XXXX XXXX XXXX XXXX. He also wanted her to go to a XXXX XXXX XXXX and put the same amount into account # XXXX XXXX XXXX, routing # XXXX XXXX XXXX XXXX XXXX XXXX, which she did NOT. 
On the second day, Bank of America bank teller recognized her and told her branch manager who caught what was going on and determined not to sell her any more VISA cards and called the police. No  report was filed by Bank of America nor the XXXX Police Dept which is required in order to file a claim against the bank or XXXX. I have tried unsuccessfully to get BANK to go " down the rabbit hole '' to chase down the receiving account.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I signed up for a credit card with a 0 % introduction APR. I encountered 3 problems with the card. 

1. There is no way to sign up for autopay. ( Thus I scheduled future payments in excess of my amount due into the future. ) I have attached the BOA payment screen which does not show any way to set up automatic payments. 

2. My monthly minimum payment due doubled even though my balance was declining each month. ( This was well prior to the interest rate increasing, so there was no reason for the increase. ) 3. BOA did not clearly indicate when the interest rate on my account would change. Because they don't list upcoming rate increases on statements, it is nearly impossible for a consumer to know what interest rate they are being charged at any given moment. 

I was charged a {$39.00} late fee and {$47.00} in interest. 

The late fee was charged even though I made a {$50.00} Payment. The interest was charged even though the most recent statement stated that my APR is 0 %. 

A customer service representative stated that they did not have the ability to wave the Late fee but requested that the charge be reviewed. I have not been contacted since then.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: AppFolio, Inc. (PA)

Was denied equal opportunity to credit & lease a new apartment with company " XXXX '' after " Appfolio '' did a credit background check. Adverse action has been taken against consumer due to inaccurate and false credit reporting. 15USC 1681b experiences and transactions may not be reported. 15USC1692 e CRA 's may not take adverse action causing harm to the consumer. I am now facing homelessness, hardship, and mental instability, humiliation. Deceptive forms are being furnished 15usc1692j harming consumers credit worthiness.
Consumer complaint received 2023-02-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (GA)

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by XXXX XXXX XXXX XXXX, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. 

Best regards, I remain
Consumer complaint received 2023-05-21
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. (TX)

Dear TransUnion, You all are furnishing inaccurate personal information on my consumer report. Please see my attatched dispute to correct my personal address being reported. Only the address you see on my drivers license should be reporitng nothing else. I will attatch a copy of my drivers license as well. I also would like a copy of my consumer report after you delete the address you have on file and update my correct address.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My XXXX XXXX XXXX Uncle died on XX/XX/XXXX. I was on his checking account and have written and cashed checks for the last 20 years for him. I was advised on XX/XX/XXXX XXXX that I was only a POD on his checking account so they closed the account and took the money. I was asked to " jump through the following hoops '' XXXX. Send Certificate - DONE 2.Received a letter saying I needed to file a Tax form with the State of New Jersey because he was living in XXXX for the last 30 years but the account was opened in XXXX XXXX - Did that and was told I only had to sign and notarize an affidavit explaining that he lived in XXXX - DONE XXXX. I called to see if they received the Affidavit. They said sorry, you didn't have to do that. Just fill out our BOA form and send a copy of his Will, of which I am Executor. DONE I should receive the check in 10 days XXXX. Called again to see what was going on ( end of XX/XX/XXXX ), Said sorry, you need to have your Sister sign a BOC form ( she lives in XXXX I live in NJ ) She went into BOA in XXXX and signed the form. check in 30 days. ( That was also in XX/XX/XXXX ) XXXX Today I called BOA Third Party Case manager and was told that just last night they approved the payment and I should have a check in 30 days!!!!!!!!!!!!!