davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-13
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. (OH)

In Acordance with the Fair credit reporting ACT Account : 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 Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In Acordance with the Fair credit reporting ACT Account : XXXXXXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX Has Violanted my Rights. 

.15 USC 1681 SEC 602 A State I have the rights to privacy.

.15 USC 1681 SEC 604 A SEC 2 Its Also state a consumer reporting Agency can not furnish a Account without my written instructions.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

I noticed a credit inquiry from chase bank through XXXX. The date was XXXX. I never applied for this. I've been trying to contact Chase for 2 days now for a total of XXXX hours on the phone. This inquiry needs to be removed.
Consumer complaint received 2018-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NV)

OnXX/XX/XXXX I noticed that my Checking account had an unauthorized transaction in the amount of {$260.00}. I first contacted the creditor ( XXXX ). The representative stated that she did not see any transaction in that amount in my account. I proceeded to say, that those funds were taken from my account, which is causing me to go negative in my account. I then contacted Wells Fargo, the representative from Wells Fargo then stated that the amount in dispute was pending and that it would take about 1-10 days for the matter to be resolved. Since I have business with XXXX the Wells Fargo representative stated that this is not a fraud transaction. I called Wells Fargo todayXX/XX/XXXX and mentioned that my checking account keeps on getting overdraft because of this issue. The representative stated that I should call XXXX and ask them for the funds to be released so that I can get my money back faster. I contacted XXXX and their representative stated that they don't see the charge of {$260.00} posted to my account. They see that the amount was taken but they do not know where the money was posted to as is not reflecting on my account. They stated it would take about 48hrs for them to give me an answer. In the mean time, this is causing me stress because there are other automatic transactions coming out from my checking and it keeps on causing for me to get overdraft. I'm upset over the lack of actions taken from both ends.
Consumer complaint received 2017-04-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

My mortgage was sold to Lakeview Loan Servicing/XXXX in XX/XX/XXXX. I have been having one problem after another with them, from not paying my homeowner 's insurance out of my escrow account and threatening to take out a very expensive policy on my home ( this has been resolved ) to failing to respond to or resolve a property tax error that is costing me hundreds of dollars every month in additional fees. 

According to XXXX, my estimated total annual disbursement amount is {$5400.00}, when it should be {$2700.00}. 

I first notified XXXX by email of the error XX/XX/XXXX. I received a notification that the issue was being forwarded to the tax team for review and resolution on XX/XX/XXXX. No one from the tax team corrected the error or contacted me to request additional information and the problem was not resolved. 

After speaking with a customer service representative XX/XX/XXXX, I emailed a copy of my tax documentation as instructed. In the meantime, my escrow account was assessed at XX/XX/XXXX and {$200.00} in additional escrow payments were added to my monthly payment. 

More than a month after reporting this problem, I mailed a letter with delivery confirmation, as detailed on the XXXX website, documenting the issue and providing supporting documentation. The letter was delivered on XX/XX/XXXX. According to XXXX, I should have received confirmation of receipt within five business days and a more detailed letter with a timeframe for resolution within 15 calendar days. I have received no communication whatsoever. 

I made one additional attempt to communicate with XXXX by phone on XX/XX/XXXX. The representative I spoke with spoke with his supervisor, who confirmed I have submitted everything required. I was told it had been escalated to the tax team and that I should not make my monthly payment until he called me to confirm the issue had been corrected. I asked that these instructions be emailed to me and was told they would ; I have received nothing. 

I have followed all procedures to communicate about this error and made every effort to resolve it with XXXX. At this point, I have to wonder whether this is simple incompetence or whether the company is illegally padding escrow accounts. Either way, I am trapped with this dreadful company until I am in a position to refinance my mortgage.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX, XXXX, and Transunion, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2023-09-12
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (VA)

Nelnet has had my autopay set up for several years now, and suddenly it seems to have ceased working. My XX/XX/2023 autopay went through, I can see my XX/XX/2023 autopay is scheduled, and yet they're telling me today that I am past due for XX/XX/2023 despite Nelnet having made no attempt to auto debit from my usual checking account. 

This has a negative impact on the consumer because now the only way I can help myself, without waiting on the phone for an unpredictable number of hours only to have the call dropped, is to make a second payment in XXXX and just wait to see if they still deduct my scheduled payment, or to just skip XXXX entirely and see if the XXXX payment works as it should. Nelnet only stands to benefit - either they get double their owed payment, or twice the interest they should have gotten in XXXX. 

Either their pending payment record is broken, their past due notification system is broken, or their auto pay function is broken. All three are serious issues, especially since they offer a discount for using auto debit.
Consumer complaint received 2023-12-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NJ)

I have applied for the SAVE repayment plan for the student loans. I have not been able to contact anyone at Nelnet to confirm where my SAVE application is in the process. Even though my payments are due and the SAVE application is not processed, Nelnet does not have any one available to speak to on the phone nor do they respond to emails. I have called several times to no avail. Also, I have sent an email advising Nelnet to contact me to discuss or provide me any update regarding my application. There is no response. 

My loans are due and although my SAVE application was received on XX/XX/XXXX, there is no update to the application process. There is no way for me to even make the correct payment required because the SAVE application is not processed. 

Unfortunately, Nelnet is not able to provide the loan borrowers with the support needed.
Consumer complaint received 2023-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 

At this time, I am requesting that you please delete and remove the following inquiries below. 

HARD INQUIRIES TRANSUNION 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 These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.
Consumer complaint received 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This reporting is FRAUDULENT I have NEVER paid this account late. Payments have always been on time yet they reported that it was paid late which has negatively affected my credit. 
I was in the process of qualifying to purchase a home and my score dropped over XXXX points because Capital One reported that I was 90 days late. I paid this account off in full XX/XX/XXXX. The statement closes on XX/XX/XXXX so on the statement date there was a XXXX balance. However XXXX I was billed XXXX for interest charges that I was not aware of on a closed account. Capital one continued to bill my account late fees and other fees which they are asserting I owe which I did not agree to nor was made aware of. I do not owe Capital one any money on this account which was closed by them. They are keeping this account open for their own predatory benefit. I have disputed these late payments SEVERAL times and each time nothing has been done. I am officially fed up and will pursue legal action if not rectified and corrected immediately. I demand for this matter to be addressed to the fullest and late payments UPDATED to current and never late as well as the balance zero out as it should have been when final payment was made in XXXX. I have attached all statements showing proof of payments and their date. 

The following dates are reported erroneously as late when they were in fact paid on time : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Current status is erroneously reported as XXXX days late-NEVER PAID LATE Current balance is erroneously reported as $ XXXX BALANCE PAID ON XX/XX/XXXX Based on their own website if a balance is paid in full every month interest would not be charged. XXXX XXXX XXXX Last person I spoke to was Collections Supervisor : XXXX XXXXXXXX XXXX XXXX, located in XXXX.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (DE)

XXXX, I received an email from XXXX from OPM.GOV stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

Upon investigation, I discovered a CREDIT INQUIRY from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be an application to open a credit card account that I did not authorize. 
I called XXXX at a number found online : XXXX and filed a fraud claim. I spoke with XXXX in the Fraud Department and she indicated that it was applied online using my SSN, my DOB, and a previous address. She is going to turn down this credit application and notify the credit bureaus. This inquiry needs to be removed from my credit reports.
Consumer complaint received 2023-11-13
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. (CO)

I have sent 5 certified leters with no response to removed inquiries not reognized or authorized and still has inquuries listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-13
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)

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. 

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 has violated my rights. Or a 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 seven 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 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I received emails from the bank saying Id receive deposits on multiple occasions. Such as XX/XX/2024. Never received the deposit for my settlement. I contacted the bank and they had me arrive on a Saturday because I was supposed to pick up money but never got it. The bank was closed. Then I called the bank and asked why I hadnt received it and they had no answers for me. I couldnt even cash in my tax refund check from the us department of treasury. The only thing the bankers told me was they couldnt do it YET I have an account with them.
Consumer complaint received 2023-09-08
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2023, i was charged by XXXX 3 duplicate transactions, i asked my bank to refund me after the merchant refused to send me the refund. Capital One said it is an old one and can't revert back. 
i should be charged only one time instead of 4 times. ( XXXX )
Consumer complaint received 2023-09-12
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XX/XX/2022 CAP ONE NA XX/XX/2022 CAPITAL ONE XX/XX/2022 I disputed them and they remain on my credit report!
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

In the last two days XXXX, I tried to transfer Capital One points to an outside partner. Each time I click on the transfer link, it takes me to a two step verification page. The current number I have on file is not accepted as a verification method. I spoke with three customer service representatives on XX/XX/13, and none of them were able to solve the issue. They said it was a system transfer issue. I signed up for this card for the ability to transfer points to airline partners. They told me I can only use the points towards a purchase. The ticket Im looking at is XXXX points on XXXX XXXX. To buy the ticket outright and then request to apply points was the customer service suggestion. This would cost {$2000.00}. XXXX points ( which I have in my account ), would still leave me with an {$1100.00} balance, and put an additional XXXX points. This is false advertising and I would have never signed up for this card if I knew the back end system would not let me transfer points to airline partners.
Consumer complaint received 2023-11-13
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. (TN)

I am writing to follow up regarding my dispute about some hard inquiries that appears on my credit report, which are unauthorized and inaccurate. Upon reviewing my credit report, I noticed these unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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