davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IN)

Subject : REMOVAL OF INTERNAL BLOCK To whom it may concern, I am writing to formally request the removal of an internal block that has been placed on my credit report, in accordance with my rights under the FCRA, specifically Section 605 B.On XX/XX/2023, I asked Equifax Credit Reporting Agency I can not access my credit report. The representative of Equifax told me that they have placed an internal block on my credit file. I can not access my account because I am disputing inaccurate information and that is why Equifax have placed an internal block on my credit report without my knowledge. I did not receive any notice or anything. I do not have an internal block on my XXXX or XXXX account. So why should I have it on my Equifax Credit report? I kindly request Equifax to remove this block from my credit file immediately and provide me with written confirmation of the removal. Furthermore, I request that Equifax update my credit file to reflect the removal of the internal block. Please be advised that the FCRA mandates that the consumer reporting agencies respond to such request within 15 days failure to comply to this request within the legally required time frame will result in legal action to protect my rights under the FCRA. I appreciate Equfax 's attention in this matter and please provide me with written confirmation of the actions taken to remove the internal block from my credit file. Thank you for your cooperation. I look forward to a swift resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (GA)

Applied for XXXX in XX/XX/XXXX with XXXX. XXXX approved XX/XX/XXXX. Called XX/XX/XXXX. Advised to resubmit. Resubmitted XX/XX/XXXX. Called XX/XX/XXXX. Told to be patient. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX a manual transfer was requested for loans to be transferred from Nelnet to XXXX. Called XX/XX/XXXX still waiting for loans to be transferred.
Consumer complaint received 2023-09-18
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. (NJ)

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and upate these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CO)

We obtained an NFL credit card years ago to allow us to finance our season ticket purchases for six months with no interest, along with earning rewards for those purchases that can be used as statement credits. In the spring of XXXX, the issuing bank for the card changed from XXXX to Comenity. The same benefits were advertised, both on the card website and on correspondence we received when the new card was issued - 6 month, 0 % financing on purchases over {$250.00}, and 3 % rewards on NFL purchases. We have had a very difficult time getting the bank to follow through with giving us those benefits. 

XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Should have qualified for 3 % reward as an official NFL purchase, but only 1 % given ( XXXX points instead of XXXX ). Should have qualified for six months, 0 % interest, but treated as a regular purchase. 

XX/XX/XXXX - {$730.00} purchase of XXXX XXXX season tickets. Once again given 1 % reward instead of 3 % ( XXXX points instead of XXXX ) and not given promotional plan. 

XX/XX/XXXX - after numerous messages and phone calls, purchases were put on 6 month promotional plan and interest charges were reversed. However, rewards were still not corrected. We filed a dispute about these rewards around XX/XX/XXXX, which has still not been resolved despite the company 's statement that it would take " up to 90 days. '' XX/XX/XXXX - {$850.00} purchase of XXXX XXXX season tickets. Given 2 % reward instead of 3 % ( XXXX points instead of XXXX ). Once again, not put on promotional plan is it should be. 

I sent messages through the card 's website on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, made phone calls on multiple dates and sent a letter through the mail on XX/XX/XXXX, but can't get the company to resolve this relatively simple issue.
Consumer complaint received 2023-12-23
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX I have purchased a XXXX from a Merchant called XXXX XXXX with a total cost of {$3800.00}. On XX/XX/XXXX, I requested the merchant to return the merchandise as I was not happy with it. The merchant issued me a XXXX XXXX to do it. 

I returned the merchandise using the label provided by the customer as requested. The tracking at the time showed that the merchandise was successfully delivered to the merchant. Merchant claimed it did not receive it, despite me following their instructions to the T. As the merchant claimed they had not received it, I opened a dispute with Amex and provided supporting documentation for it showing I did all the steps I was required. Amex representative at the time did not listen to my reasoning and ruled in favor of the merchant. Tracking is not available any longer but Amex should be able to see all documentation i've uploaded related to the case through the multiple conversations we had. I would like CFPB to support me to reopen this case with Amex and I'm loooking to have this dispute being ruled in my favor and being credited {$3800.00}. 

Dispute Number : Ref. XXXX
Consumer complaint received 2023-12-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

In the date XX/XX/XXXX I received a letter from a debt collector CAPIO PARTNERS and I can read that they trying to collect a debt of {$1300.00}, in the letter I can see the account number XXXX and my name, so just XXXX XXXX my full name is ( XXXX XXXX XXXX XXXX ) they don't know my full name. And my XXXX  i don't know how they know it. I can read that the debt provided from UNIVERSITY XXXX XXXX XXXX XXXX I don't know that place or hospital. I can see that the debt beginning XX/XX/XXXX so almost XXXX  years ago and they try to XXXX a debt now. In almost XXXX years I didn't receive any call from that hospital and now a agency of debt collector tty to collect a debt. So I want to let know in this declaration that is a identity theft don't know this hospital and this agency collector call CAPIO PARTNERS. And they threaten me in this letter saying that if I do not respond before the date XX/XX/XXXX the debt will be validity
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OLD NATIONAL BANCORP (IL)

First I had my money transferred last month and I locked my card due to suspicious activity. They were putting every reoccurring transaction regardless of my account. They hung up every time I called and asked why so I then told them to close out my debit card because I was going to end introuble with the way they do business. Then I made two transactions to transfer money over to my new account. Also its a XXXX  account. They shut my whole account down and refuse to let me have any access to over XXXX. I have the documents and every time I try to get any information it tells me close the account to0. Why am I giving them XXXX XXXX In the situation my money would have been here my dog ate something and I. Can not take to the XXXX or leave her and if she dies its going to be their fault for hanging up every time and not having any reason to do what they are doing. The money was already in complete mode at XXXX. I spoke to XXXX  where I tried to find out because the number it told me to call about the denial of transfer of my funds that they are hanging up with no explanation. I finally got XXXX of them and they told me that I used my savings account. That is clearly not true. In three middle of this my dog needs XXXX  XXXX in which the money would have posted and said it did complete then decided to reject and lie about it and said XXXX  was trying to take it out of my savings account. Thats not true and I will. Give you the documents in the complaint and if they dinot not send my money. They locked both me and my husband s card I cann ot go to a branch while my dog is in the situation to begin with for my own money in which I guaranteed they will not return that money. They wont even speak to me. They are the most unethical I compassionate and they are incorrect I believe they are mad because all my accounts were locked and they continued to pay things I didnt even authorized and had no reason to give me on why they are doing. If I dont have the money that shouldve have been posted. The money said the transfer was complete yesterday day because Im sitting here now with not enough money to take my XXXX dog to a vet its the fault of theirs and I want to press charges to. The fullest stent of the law
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (TX)

I am filing this complaint to TRANSWORLD SYSTEM INC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is 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 for your reference and as proof.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX has 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 : it also states a consumer reporting agency can not furnish a account written instructions.
Consumer complaint received 2024-05-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (PR)

CREDIT ACEPATANCE THIS COMPANY TAKE THE CAR BACK VOLUNTARY REPOSESION AND CONTINUE MY CREDIT REPORT XXXX I HAVE ALOT DISPUTES AND COMUNICATION THE COMPANY FOR REMOVE MY CRETIT REPORT AFECTING DAMEGE FOR XXXX YEARS THIS COMPANY TAKE THE CAR BA BACK I NO LONGER MY XXXX NEVER EVER REPORT VOLUNTARY XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXXMI XXXX  IWANT TO BE DELETED OR REMOVE MY CREDIT REPORT SOON XXXX
Consumer complaint received 2024-01-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: National Default Servicing Corporation (CA)

NDSC claims to be foreclosing on behalf of XXXX XXXX However, based on the evidence presented by XXXX XXXX, and information available from SEC, the note was secularized. XXXX sold the note and it was secularized within days after the closing occurred on XX/XX/year>. Once XXXX sold the note, XXXX can no longer be the holder in due course. 

Furthermore, there is no assignment of deed of trust to the new buyer recorded after the sale occurred. According to the law, this has to be done within XXXX  days after which it becomes an unsecured debt and it can not be re-attached to the Deed of Trust on record. Therefore, NO BODY can any longer foreclose on that Deed of Trust. Period! Hence, the claim by NDSC that they are foreclosing on behalf of XXXX is an impossibility and false and they have no standing whatsoever. A rebuttal is demanded from NDSC in order to continue with the foreclosure action. 
Here are the details of the Security. 

[ XXXX XXXX Mortgage Pass Through Certificates Series 2005-8 Portal - CITI Investor Online Portal Closing Date XX/XX/year> GROUP - XXXX XXXX  - XXXX Seller XXXX Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Delaware corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Numerous requests have been made to NDSC ( Trustee ), XXXX ( Seller of the note ) and XXXX  XXXX ( Servicer ) to produce evidence under penalty of perjury that proves XXXX XXXX. is in fact the current holder in due course of the note and therefore, XXXX has the right to foreclosure under the Deed of Trust securing the note. However, this evidence has not been produced to date.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I called XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/2023. I had requested they provide me with proof the accounts alleged belong to me. It's now been over 30 days and I have received no response from either company. As I told XXXX XXXX and XXXX XXXX XXXX XXXX these accounts DO NOT Belong to me. I would like these removed from my report immediately!
Consumer complaint received 2023-10-24
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)

I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to XXXX XXXX for the ( 9 ) nine inquiries and inaccurate personal information showing on the credit file with Equifax. In order to facilitate efficient proceedings and ensure all relevant information is accounted within the credit report for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transactions specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgements, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action.
Consumer complaint received 2023-10-24
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)

XXXX XXXX XXXX account is not mine. 
In accordance with the FCRA this creditor has violated my rights.

Under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2 states that a CRA can not furnish an account without my written instruction.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-ended credit plan as late for any purpose.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$280.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX  XXXX Balance : {$2000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00}.
Consumer complaint received 2023-05-23
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. (NJ)

-15 USC 1681c2. Block of information resulting from identity theft.

-Section 605B of the FCRA. 

My request to block the identified transactions are not information related to any transactions authorized by me as the consumer. My request to block the listed items above is not being made in error nor is my request to block these items are being made on the basis of material misrepresentation. 

I declare that these Financial Institutions/ Department did not receive my authorization nor consent ( required by law forms SSA-3288 & SSA-89 ) to be furnished on my consumer report file. As a result of my non consent and authorization, I have listed these accounts and deem them as identity theft. 

See attachments.
Consumer complaint received 2017-12-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be.

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my XXXX report but shows on XXXX & Experian.
Consumer complaint received 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Caliber Home Loans, Inc. (TX)

Caliber Home Loans did a XXXX Modification on my home back in XXXX I fill out Application and Modification was approved, about XXXX  months has passed and I received a letter stating my mortgage was increasing due to me not paying my XXXX Fees and my escrow was in the negative the Caliber paid over {$8900.00} from my escrow because they received a letter from my XXXX XXXXXXXX XXXX that I have not paid any XXXX  Dues. On completing my Caliber Home Loan XXXX, I stated I did not have any outstanding XXXX Dues and I attached a copy of Cashier Checks from my back. In total XXXX XXXX XXXX  received over {$14000.00} of XXXX dues. Caliber Homes never asks the customer anything regarding payment to XXXX  dues. Instead, Caliber Home Loans pay XXXX dues on top of what I have paid. In turn, my mortgage lender has changed over to XXXX XXXXXXXX XXXX I have several documents that I was told to fax in a know one has never responded. This brought great XXXX  to me and my Finances. I am about to lose my home. I have every copy of Cashier checks banking statements emails and copies of cashier payments to my XXXX XXXX XXXX and my current Mortgage XXXX XXXX XXXXXXXX XXXX  XXXX. I have done everything to resolve this issue with no prevail
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: E*TRADE BANK (IN)

On XX/XX/2018 I requested information from my bank, E*Trade Bank , regarding a wire transfer from a XXXX company as part of a travel reimbursement for US {$1200.00}. Using their chat function online the agent provided me wire transfer instructions ( transcript attached ). After waiting approximately 2 weeks without receiving the funds I contacted E*Trade and was told that their agent had given me the wrong information for the transfer and that there was nothing they could do. 
I then contacted the vendor in XXXX. Their bank, XXXX XXXX XXXX XXXX, indicated that the wire transfer had been accepted by XXXX XXXX, the bank that acts as intermediary for E*Trade on wire transfers. The vendor eventually had their bank run a trace on the transfer but evidently XXXX XXXX would not respond ( information attached ). My vendor had XXXX XXXX XXXX XXXX run the trace a second time with the same result. 
All of this back and forth has taken several months. Neither E*TradXXXX nor XXXX XXXX will accept any responsibility.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (MD)

Dear CFPB, I am a small business owner. I accepted XXXX payments from my customers on XX/XX/2023 through my Chase app ( XXXXt/WePay ). Wepay is Chase ' payment processor. One for {$260.00} and another one for {$530.00}. I got an email that my funds are on hold and that I need to send them documents regarding my business in XXXX days or my payments will be cancelled.They asked for an invoice, any IRS documents, EIN and bank statements. After sending the documents, I received an email from WePay by J.P Morgan that my account has been closed for no reason. 

On XXXX the XXXX, I went to a chase bank to see why they closed my account and why am I not receiving my money. The banker called WepayXXXX to ask why my account was closed. XXXX said you have to send an email to XXXX to ask them to reopen your account. I did send that email. Got back a reply that the appeal is denied and they are not able to offer me a solution at this time and that the funds will be held for 120 days. I am a small business and withholding payment puts my business and cashflow in a difficult position. 

Next day, XX/XX/XXXX, I went to another chase branch hoping someone will help this time. Same exact scenario and they said we can not help and the funds will be on hold for 120 days. They didn't provide any valid reasons and said they will no longer process my payment because of proprietary reasons and that they are unable to share exact details. The manager of the branch couldn't help and said this is out of his hands and he will escalate this issue. I reached out to my customers to confirm that their card was charged and they confirmed. 

Today is XXXX the XXXX and I still haven't received my money. I am supposed to receive a total of {$790.00} I would appreciate your help in getting my money back. Thank you for your time!