davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-12
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. (NJ)

I have been disputing with Equifax since XX/XX/2023 and I have not been able to get them to comply with my disputes. I disputed my personal information, late payments reported, collections and accounts that have been charged off which are all inaccurate and against my rights as a consumer. They never asked for my permission to report all these things in writing nor verbally. On XX/XX/2023 I found out my information was breeched! I am very upset, disappointed and I demand a remedy! I have spent numerous amounts of monies and time disputing these misleading, misreporting and inaccurate information on my consumer report.
Consumer complaint received 2023-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (IA)

I have XXXX plus student loans. All of them are on a IDR plan except one. That one should also be on the IDR. Ive been trying to contact Nelnet to understand why the one is not, I can not get through to them. Their wait times are nearly 2 hours long. So my issue is 2 fold 1. I cant get in touch 2. The one loan should be on IDR and needs to be fixed.
Consumer complaint received 2017-05-06
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Somehow My father accidentally added me as an authorized user on his credit card at  XXXX   XXXX . I was never and have never been involved with his  XXXX  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the  XXXX  's down into the  XXXX  's and has affected my ability to get an addiquit house loan.  XXXX  removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a  XXXX  and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting her  credit score . It just does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem.  XXXX   XXXX  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (GA)

I submitted my notice to vacate 60 days prior to my move out date of XX/XX/23. I moved on XX/XX/23 and advised the complex that I moved. The office was closed due to renovation and I had no idea where they were in order to turn in the keys. I made an appointment to turn in the keys and thought everything was cleared. I was never advised that I owed any monies and then two months later, I get a collection letter. I was never given any opportunity to settle with the complex if I were to owe anything. This was turned over so quickly because I didn't want to renew my lease. On XX/XX/XXXX, I paid the amount due in the portal that covered XXXX XX/XX/23 and had a XXXX balance. On this notice from the collection agency, it says I owe XXXX. I was charged two late fees of XXXX after I moved and was charged for 11 days in XXXX and another 4 days for XXXX after I had already moved out and given them the keys. I do not owe XXXX and this account needs to be closed out and I don't want any other correspondence from the collection agency.
Consumer complaint received 2023-05-01
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. (GA)

Please cease and desist all inaccurate reported information on closed account with XXXX XXXX there are several payments that are reported as bring late with no provided proof of said late payments which are violations of fcra section 609 account had been paid in full and there were no Payments ever made late this violates 15 usc 1681c2
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I deposited XXXX XXXX XXXX money orders totally {$2100.00} into a bank of America ATM on XX/XX/2023. They rejected this money order and sent me a letter a few days later indicating they would return my money order. They never returned it so I went to my branch in XXXX XXXX, XXXX, WA to ask for help. 

They gave me a number to call and after a long time on the phone someone told me they would send me the money orders back but they never came. I was getting nervous because I was leaving the country for a month so I filled out some paperwork to allow them to send the money order directly to my bank branch so they could deposit it while I was out of the country. They never sent it back. 

When I returned home I went to my branch and they had received printed copies of the money orders, but not the originals. I called the number again and their representative told me the bank should be able to cash the money orders based on the images they sent. I went back to the bank and they couldn't cash them because the dollar amounts had been blacked out on the photocopies. After multiple frustrating phone calls ( where people around the country assured me they had resolved it ), someone at my branch suggested I have the money orders cancelled. 

The people who gave me the money orders had luckily kept the receipts, but when they went to cancel them, they found they had been cashed on XX/XX/XXXX, while they were in Bank of America 's custody. 

I called the number again and again trying to seek resolution. I asked to file a claim and they refused to put me in contact with the claims department. I found the department using the AI tool on my banking app and filed a claim. Bank of America credited my account with {$2100.00} while they were reviewing it but they rejected my claim and never gave me a reason. I called the claims department and expressed my frustration, asking for an explanation of how the money orders could have been cashed while in their custody. Even though they could have easily called XXXX XXXX and entered the money order numbers to check this themselves I faxed them copies of the receipts with all the relevant dates. After a few days they sent me a letter saying they had rejected my claim, providing no explanation. 

I called the complaints department again yesterday and they purposefully obfuscated. Their representative kept repeating, " We recommend that you cancel the checks '' even after I explained that their institution had cashed them already. 
I've spent many hours on this and it seems very clear : Bank of America stole {$2100.00} from me. My interactions with their representatives have led me to believe that they have an intentional policy not helping their customers.
Consumer complaint received 2022-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NJ)

I received a notice from my XXXX XXXX XXXX saying that I am in debt collection. The following were the charges from XXXX XXXX : XXXX. XXXX Account # XXXX {$550.00} for address XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX account # XXXX {$840.00} for address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Account # XXXX {$530.00} for address XXXX XXXX XXXX XXXX XXXX TX From XXXX XXXX XXXX XXXX XXXX account # XXXX {$340.00} for address XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-07-15
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. (MD)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-23
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. (NC)

on XX/XX/23 and XX/XX/23 i submitted a valid XXXX XXXX XXXX report, a copy of my XXXX license and XXXX card to equifax to have XXXX hard inquiries removed XXXX XXXXequifax. everytime i do so the investigation takes XXXX hours and the items are still there. i even called a rep and she told me i was missing my XXXX  and XXXX  card. this is false because they should already have this on file. they refuse to remove the account that is fraudulent also. something needs to be done about this
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 - I have never authorized or opened an account with this creditor and informed them that i am a victim of identity theft, I did not open this account and i do not owe this balance I have explained and reached out to this company and have not received a response. 


XXXX- Student Loan xxxxxxxxxxx XXXX XXXX Student Loan xxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX  XXXX, ( The Insurance has paid this company in full and I have requested that they remove this from my credit report because i no longer owe this debt, it has been over 32 days and i have yet to recieve a response this is a direct violation of the law. ) XXXX XXXX XXXX XXXX, I have never authorized or done business with this company, i have requested in writing original documents 31 days ago with my signature and their name and i have yet to receive a response, this a violation of the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, inaccurate missed payments where there should be ontime payments this creditor has violated my rights under the following laws 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 2023-06-08
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. (GA)

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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXXXXXX, 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 without my written instructions XXXX 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 2023-11-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (KY)

XXXX XXXX XXXX is trying to collect a debt that was turned over to them from 12CASHNETUSA that concerns a loan that was opened in my name by means of identity theft. I have a comprehensive report from XXXX, a consumer reporting company, that states my social security number was being used by another individual that wasn't me and that I am a victim of identity theft. The report goes on to inform me of my rights and what to do next. I have already spoken to a representative from XXXX and XXXX and both companies have issued a fraud alert for this account. I want to file a formal police report and find out and prosecute whomever is responsible for this, and for stealing my identity to the fullest extent of the law. This fraudulent account may be the first of many, but I hope not as I have diligently been working towards rebuilding my credit and had already been seeing anomalies prompting the investigation I requested by XXXX. My credit was dramatically improving, yet I was still being denied loans and turned down on credit card offers. A thief took advantage of my hard work and beat me to the chase using my identity to secure loans and who knows what else before I got to reap any kind of benefit for improving my credit and taking care of debts. It disgusts me and quite frankly makes me mad enough to physically fight whoever is responsible.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow XXXX  disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-03-15
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. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (MA)

I specifically signed up for a AAA Comenity Visa Travel Advantage Card during a valid promotion for a {$100.00} bonus credit after spending {$1000.00} in the first 90 days, which I successfully completed a while ago. Never got my credit, called and a woman told me it would be issued on XX/XX/XXXX. I now got a letter in the mail from Comenity denying I am valid for any promotions. I want my credit.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Other banking product or service
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am writing to file a formal complaint against USAA Insurance regarding a persistent issue of overpayment that has persisted since XX/XX/2023. Despite my numerous attempts to address this matter with the bank, I have encountered significant challenges in resolving the issue to my satisfaction. 

Since XX/XX/2023, I have consistently been overpaying for my USAA insurance, which has led to undue financial hardship and frustration. While I have engaged in communication with the bank to rectify this situation, I remain dissatisfied with the resolution process.

Specifically, I would like to bring to your attention the following grievances : Lack of Transparency : USAA Insurance failed to provide adequate
documentation explaining the reasons behind the overcharges. I received a refund check without accompanying documentation, leaving me in the dark regarding the details of the transaction.

Absence of Communication : The bank did not provide any alerts or notifications when the refund check was issued and mailed. This lack of communication has created uncertainty and frustration during the resolution process.

Tracking Information : USAA Insurance failed to furnish any tracking information for the refund check, raising concerns about the security of the transaction. In an age where accountability and security are paramount, this oversight is both unprofessional and irresponsible.

Multiple Overcharges : Beyond the insurance overpayment issue, I have also been subjected to unwarranted fees, overdraft charges, and transaction discrepancies by USAA Insurance. These additional concerns compound my frustration and erode my trust in the bank 's practices.

I believe it is imperative that financial institutions of USAA 's stature maintain the highest standards of professionalism and accountability. Therefore, I respectfully request the following actions : a ) Implementation of Documented Transactions : USAA should ensure that all financial transactions, especially those involving refunds or overpayments, are adequately documented, signed, and acknowledged by both the bank and the customer. 

b ) Enhanced Tracking : The bank should institute a robust tracking mechanism for transactions involving checks, particularly for security and customer peace of mind. 

c ) Comprehensive Evaluation : I strongly urge the Consumer Financial Protection Bureau to conduct a thorough evaluation of USAA Bank 's interactions with USAA Insurance 's, including its handling of overcharges, fees, overdrafts, and customer communications.

I appreciate your attention to this matter and kindly request that you investigate these grievances promptly. I hope that by addressing these concerns, we can contribute to the improvement of banking practices and ensure that customers are treated fairly and professionally. 

Thank you for your assistance in resolving this matter.
Consumer complaint received 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

My home has been in foreclosure for over 6 years. I retained an attorney and submitted multiple requests for modifications and short sales. The ba nk Chase, has stalle d and given me the runaround that whole time. Recently, they sent correspondence directly to me bypassing my attorney. I sent the letter to my attorney who called them and told them that until they get a court order or that the case goes before a judge they are not to enter the property or change the locks. They agreed that they should have gone through my attorney first. Then I got a notice from my insurance broker that a claim was made on the property by someone other than me. He investigated and found out that the bank entered the house illegally and made the claim. Basically, they committed the crime of break in and entry to a property that A- is not theirs and B - they knew full well was being represented by counsel. All of this while obfuscating and refusing to work with me.
Consumer complaint received 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (CO)

The Lender is BOKF NA  DBA  Colorado State Bank and Trust  (    CSBT ).
CSBT is overcharging for PMI and adding costly cancellation-related   fees including home appraisal fees despite a signed PMI contract indicating automatic PMI cancellation on a specific date indicated on the Amortization Schedule.     PMI was to be automatically cancelled on   XXXX   XXXX  2017    per our contract, which states : " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date. This date is   XXXX   XXXX  2017    ''.     We are current on our payments, have never missed/been late on a payment, and therefore should no longer be paying PMI as of   XXXX   XXXX  2017   .      CSBT  did not automatically cancel PMI on   XXXX   XXXX  2017    per our contract. When questioned, it was state d by CSBT that  " their policy changed '' and now require the borrower to submit a written request and submit payment of {$150.00} for a Brokers  Price Opin   ion. This is additional to the extra PMI we are currently still being charged, {$230.00}.
CSBT is failing to honor the contract and acting very " matter of fact '' aga  inst honoring the contract.