davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WA)

US Bank did not honor cash back offers. To encourage customers to use their credit card they offer additional cash back at various merchants. On three occassions I activated and completed the deal but recieved only parital cash back or nothing at all. For example 10 % cash back up to {$120.00} was offered at XXXX ; I spent {$130.00} but US Bank only gave me cash back on {$30.00} of it. I would have spent much less if I'd known they were going to do that. Two other deals I got nothing back. Since they were for food, there was no way to undo the purchase. US Bank has no way to dispute not receiving a cash back deal, you are just out of luck. Customer Service says they have no control over it.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation. 

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account. 
Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question. 

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process. 

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. 

If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2018-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I have been struggling with Mr. Cooper Mortgage company for 2 consecutive years. In the year of 2017 I paid the Property tax and home insurance, and sent proof of payment to Mr. Cooper of such payments. They tried to charge me for property taxes and home insurance claiming that i had not payed and that they had to pay for my home 's property taxes and insurance. The issue was not resolved until I submitted a claim with consumer affairs and they where able send Mr. Cooper the proof of payment I had previously sent them in order to stop Mr. Cooper from trying to raise my monthly mortgage payment to pay Mr. Cooper 's Property tax and insurance charge. Beginning in XX/XX/2017, Mr. Cooper has began to charge me for Property Taxes and Insurance. I have Spoken with and sent Mr. Cooper proof of payment for Property taxes and Insurance, in order to avoid there charge added to my monthly payment but I have not had success taking that monthly charge away with the proof that was sent to them. I have reached out to consumer affairs for the second time in order to help me resolve this issue. They have recommended I submit a complaint with the Consumer Finance Bureau. Since they also believe I should not have to go through the same problem again.
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (FL)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXXXXXX ) XXXX Balance : {$100.00} 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 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I applied and received a XXXX XXXX card from Capital One, I made my first payment of XXXX early so I didnt have to wait for the auto pay to kick in, but as it happened auto pay took out another XXXX Capital One refunded it on XX/XX/XXXX but then turned around and took it out again, I contacted them on this, they ask me to fax the info from my bank to them, I did so, they claim they didnt get it then they said they did and I would would receive a refund no later than Tuesday XX/XX/XXXX, thats today and no refund, so I contacted them again today they claim they never received it ( sure they did'nt ) so they gave me a link to e-mail it to them, i did so, they I contacted them and wouldn't you know it! they still havent received it. 
This is fraud!! CFPB I need you to investigate this and fine Cap One {>= $1,000,000} also i am reporting this to my attorney as well as the Texas Attorney Generals office for investigation.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (TX)

I am filing this complaint against JP Morgan Chase for the unauthorized disclosure of my personal financial information from two separate accounts to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my accounts, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by JP Morgan Chase and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect JP Morgan Chase to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Consumer complaint received 2023-02-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (MI)

I called Opp Finance  on XX/XX/XXXX to move the bill due date of XX/XX/XXXX out a few days due to a financial emergency. The agent told me she could not do that. The very next day, XX/XX/XXXX, she removed the funds from my account making them unavailable to me for my emergency on the XXXX so that my account would be paid on the XXXX. In other words, she intentionally captured my funds early on the XXXX so that I could not use my funds to take care of the emergency that I had. This early action had never been done before prior to our conversation and need to move the due date out. 

I sent numerous emails regarding this situation and they all were ignored as if this early debit transaction never existed. They asked for proof of the transaction, and, I went to the bank to get it and sent it to them. They then asked for it to be on the bank 's letterhead as if I had manufactured the document. 

My contract states clearly that the debit would occur on the XXXX of each month. Not before that date.
Consumer complaint received 2018-12-18
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.
Consumer complaint received 2018-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I wrote to the credit bureaus and asked them to investigate errors on my credit report. They have not yet responded, and were supposed to respond within 30 days.
Consumer complaint received 2018-08-07
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: CITIBANK, N.A. (MD)

On XX/XX/XXXX, via my " XXXX '' security company, I took a look at my Credit Bureau Accounts. I noticed that " XXXX '' is listed on my Credit Bureau reports. I have not ever contacted this company to request credit. The documentation states that the account was opened on XX/XX/XXXX and has a credit limit of {$2000.00}. I suspect that this is an attempt at identity theft or fraud. How can I get this information removed from my records provided by the 3 major Credit Bureaus? 

I looked online and discovered two possibilities, which may be of assistance to you. They are as follows : CBNA -- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( or ) XXXX XXXX  XXXX, XXXX XXXX, SD XXXX AND XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN XXXX Phone Number ( XXXX ) XXXX ; FAX Number ( XXXX ) XXXX.
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (UT)

For more than 10 years I was told by my servicer ( Navient / XXXX  ) that my loans did not qualify for income-based repayment options. That my only options were deferment, interest-only payments or income sensitive repayment. Only when I contacted the Department of Education directly after a third party student loan guarantor heard my information and directed me to them by passing trying to sell me their service because they knew what I was being told was fraudulent.
Consumer complaint received 2024-01-05
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. (AZ)

I am once again addressing this urgent matter that necessitates immediate correction. Despite the federal law mandating a timely response within the constitutionally prescribed timeframe from the three credit bureaus, it is disheartening to note their regrettable neglect in addressing my previous correspondence. Consequently, I appeal to your office to expedite action on this matter at your earliest convenience. The listed account above demands your attention for correction, and I trust that your expeditious response will rectify this issue in accordance with established regulations. Please review the listed accounts below that require correction : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Investigation Request Letter To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have violated my rights. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to all companies and all credit reporting bureaus.
Consumer complaint received 2024-01-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I purchased the vehicle in XXXX XXXX XXXX i paid XXXX $ down payment my Credit was ran through 7 different companies i sent a certified letter to both parties of a letter to Rescind Contract there's been an attempt to Reposess my vehicle there are in Clear violation of the law and its statutes.
Consumer complaint received 2023-03-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (NJ)

XXXX XXXX. i wrote to them numerous times and left messages to tell them that the bill had been paid but ultimately they sent the bill to a collection agency. i was forced to pay a bill that i had already paid again so my son 's credit score would not be harmed. respectfully submitted.
Consumer complaint received 2024-01-05
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I had establish auto pay for my credit cards at Bank of Amrica However, I noticed using XXXX  XXXX  that I was late on a credit card ending in XXXX and was charged late fees and interest. I signed into my account using their app and immediately paid the the total amount on that card. I then called their customer service and was told that the auto pay was cancelled due to no activity for several months. This action was never conveyed to me prior to this conversation. I never received notice a payment was due since I was on paperless statements and was not worried about payments since I had auto pay enforced. I then asked for the account to be closed since I felt cancelling auto pay without notice was an unfair consumer practice. Since, I was never notified about the cancellation, I asked that the late fees and interest be reversed. They replied, NO. When they closed my accounts they reported the credit reporting bureaus the closer as closed by credit grantor instead of closed by consumer As a result of their unfair action, my .credit score dropped from the low XXXX XXXX to around XXXX. 
I am a XXXX XXXX XXXX retired person rely on Banks to provide information prior to taking unfair action like cancelling auto pay.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Investigation Request Letter To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have violated my rights.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to all companies and all credit reporting bureaus.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (FL)

Hello, thank you for reviewing my new issue. Mr. Cooper is trying to raise my Escrow over $ XXXX this year yet my insurance, my taxes and my monthly FHA insurance is staying the same. It's unbelievable. Even my insurance company, XXXX XXXX, says it's ridiculous yet they have no answers as to why Mr. Cooper could do such a thing. Mr. Cooper is now asking me for over $ XXXX. for my Escrow payment. That's $ XXXX! Yet my insurance is $ XXXX annually, my taxes are $ XXXX annually and my FHA Insurance payment is {$1200.00} annually. That total tallies up to just $ XXXX. Something is going on with Mr. Cooper, this is plain wrong and they are just trying to raise my Escrow for some ridiculous reason and won't give me any answers. I also asked them why I won't be getting an Escrow return back even though I paid an extra {$1000.00} in XXXX for my Escrow and they have no response. This is a clear indication that the lender Mr. Cooper is doing something very suspicious. It's as clear as day. Raising my Escrow $ XXXX from one year to another, come on. $ XXXX + $ XXXX + $ XXXX + $ XXXX it's nowhere near $ XXXX that they're projecting. I'm upset.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America first credit union takes money out of our checking without asking for debt collection even though we have been working on specific payment plans with them. While we have been working with them in good faith paying back loans that have gone up with interest rates, they dont give us access to things like mobile banking and transfers, constantly code us to block transactions, and also just took out our entire paycheck to pay the loan earlier than we discussed.
Consumer complaint received 2024-01-05
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX, XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-05
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

I made a loan to Wells Fargo Bank on XX/XX/year> for XXXX XXXX dollars and I did not understand the interest well because my XXXX is not very fluent and I came to realize that the interest is 17.74 % Monthly with APR In other words, everything is being paid with interest and not with capital. I spoke with the bank and told them if I could refinance now and they told me no.