davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NC)

Citizens Bank has been non-responsive to significantly large errors estimating property tax escrow on our new home loan. We have received 3 different notices from Citizens with 3 different amounts about our monthly mortgage loan payment as well as different information about whether our loan is a non-escrow loan or an escrow loan. Citizens Bank is using an annual tax amount of {$6400.00} ( escrow of {$530.00} per month ). This amount is wrong and more than twice as much as it ought to be. 

Our home is in an unincorporated rural area outside the city limits of XXXX, NC. It is subject to XXXX XXXX taxes only. The XXXX XXXX tax rate for XXXX XXXX ( XX/XX/XXXX to XX/XX/XXXX ) is 0.4850 ( XXXX cents per {$100.00} value ) and the XXXX tax rate is not yet determined. XXXX XXXX just completed a countywide revaluation which will likely mean a lower XXXX tax rate. But, assuming the XXXX XXXX XXXX tax rate remains unchanged, then the XXXX property tax on our home would be the assessed value of {$630000.00} times the tax rate of .00485 or {$3000.00} ( Please see attachments ). 

Citizens Bank is collecting {$530.00} per month for tax escrow when the monthly amount ought to be {$250.00}. This is grossly unfair to me and is putting an unnecessary burden on my family finances. 

I have placed numerous phone calls with Citizens Bank 's tax and escrow departments, as well as with the loan originator and loan processor. They all say there is nothing they can do and point to another department or each other and try to deflect the problem at someone else. 

I sent a certified letter to XXXX XXXX XXXX XXXX, Chairman & Chief Executive Officer of Citizens Bank in Rhode Island which he received Monday, XX/XX/XXXX. NO RESPONSE!
Consumer complaint received 2022-12-20
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX  : XXXX XXXX XXXX, XXXX 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. 

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
Consumer complaint received 2023-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Overland Bond & Investment Corporation (IL)

Well I tried to refinance for a lower payments but the interest is so high I haven't been paying on the principal and my rent is XXXX with electricity bills with misc. Things I pay for as such as food and clothing which is make it hard for me to make a living just asking for lower payments as well as paying to the principal instead of the high interest rates please
Consumer complaint received 2023-11-16
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. (IL)

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 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 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 XXXX Studnet loan services were paid in full and I received a letter that I will attach that states this is so. Equifax refuses to acknowledge the letter in my dispute XX/XX/2023, I called and they hung up on me, I need this reported correctly and accurately asap. This is fraud. Equifax is refusing to do a proper dispute resolution and no I believe them to be fraudulent.
Consumer complaint received 2023-09-07
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. (FL)

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 an 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. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

I was sent an offer for a {$900.00} bonus from Chase. The offer was : open a new checking account and receive {$300.00}, open a savings account and receive {$200.00}, or both for an additional {$400.00}. I have done both and received the {$200.00} and {$300.00}. They have not credited the {$400.00} for opening both accounts. 

I have contacted them several times and was told to wait 10 business days for them to respond. They did not.
Consumer complaint received 2023-11-16
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. (CT)

I told XXXX, XXXX, Equifax to reinvestigate these accounts ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right 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 instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any 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. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r
Consumer complaint received 2023-05-16
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. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX 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 2023-12-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: United Shore Financial Services, LLC (WA)

I have opening case- XXXX This company has not addressed the late fee issue ; instead, they've sent me a new bill with the late fee included. What concerns me is that the same situation, which was supposed to be resolved in the last case, is happening again now. The company assured me over the phone that they would rectify the late fee due to a system mistake, only to charge me again. 

I've lost trust in this company as it seems they are finding excuses to charge customers, possibly because I locked in a low rate and consistently paid my bills on time each month. 

I request assistance in resolving this matter and preventing other customers facing similar issues from experiencing the same. This situation is adversely affecting my credit and consuming valuable time as I have to repeatedly dispute such matters.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX  I made a claim through BOA 's claim system, and customer service line RE : an overpayment to Spirit Airlines for baggage. There were 2 amounts of {$45.00} charged to my account. I told the rep that I paid for my baggage online, and then had to pay for my baggage again when I got to the airport- quadruple payment ( there and back ). The payments made at the airport were with other forms of payment. I received a notification from BOA that I needed to submit supporting documentation that payment was made with another form of payment. These receipts were submitted on XX/XX/XXXX  for both requests on claim ID XXXX. BOA confirmed that they received the supporting documentation via their message center, and this was also confirmed with their CS rep. The CS rep informed me that the supporting documentation was received by BOA on XX/XX/XXXX  for both claims. On, or around XX/XX/XXXX I received notification from BOA that they had not received my supporting documentation, and therefore my claim would be closed. Additionally, BOA informed me that the credited {$45.00} would be withdrawn from my account because they did not receive supporting documentation. Subsequently, when I called BOA on or around XX/XX/XXXX, the CS rep informed me that my claim had been closed- a decision had been made on XX/XX/23 because they never received supporting documentation. This is contradictory because I received an automated message that my documentation had been received, and the CS rep also confirmed through a recorded conversation that my supporting documentation had been received for both claims.
Consumer complaint received 2023-11-16
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. (NJ)

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 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 2023-11-16
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. (NY)

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 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 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Claim number XXXX I am writing to express my immense frustration and concern regarding Capital One 's failure to comply with Regulation E of the Electronic Fund Transfer Act ( EFTA ) in handling a recent banking error on my account. This error has resulted in a significant financial loss for me, and despite numerous attempts to resolve the issue, Capital One has not provided a timely provisional credit, as required by law. THERE HAS BEEN AN ERROR WITH CAPITAL ONE OR APPLE PAY AND CAPITAL ONE IS CLAIMING THAT THERE COMPANY POLICY IS ABOVE REGULATION E IM DEMANDING A PROPER INVESTIGATION AND A PROPER REFUND ON A REG E SCHEDULE Regulation E of the EFTA mandates that financial institutions provide provisional credit to customers within a certain timeframe while investigating unauthorized transactions or errors. This provision is designed to protect consumers from financial losses and to ensure that they have access to their funds during the investigation process. However, Capital One has not adhered to this regulation, leaving me without access to my funds and causing considerable inconvenience and distress.

Furthermore, I have discovered that Capital One has been involved in numerous cases and settlements related to violations of consumer protection laws, including the failure to provide provisional credits in accordance with Regulation E. This track record of noncompliance is unacceptable and has caused significant financial and emotional harm to many of your customers, including myself.

I demand that Capital One immediately take the following actions : 1. Conduct a thorough investigation into the banking error on my account and provide a provisional credit for the disputed amount within the required timeframe as outlined in Regulation E of the EFTA.

2. Review and update your policies and procedures to ensure full compliance with Regulation E of the EFTA , as well as any other applicable consumer protection laws.

3. Provide detailed information on the steps Capital One will take to prevent future banking errors and to ensure that provisional credits are promptly and accurately provided to customers affected by such errors.

4. Issue a public statement acknowledging the bank 's failure to comply with regulations and outlining the steps being taken to rectify the situation and prevent future occurrences.

Please be advised that I will be closely monitoring this situation and will not hesitate to take further action if necessary, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau and pursuing legal remedies. I trust that Capital One will take this matter seriously and act swiftly to rectify the situation and restore my confidence in your institution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/23 I was locked out of my Huntington bank account with no contact from the institution. I contacted them by phone in attempts to resolve the matter and they refused to assist me and referred me to a branch in person but I am without transportation and unable to make it into a location today due to their terrible hours and locations. I do not feel that they are meeting the needs of consumers they are supposed to be here to service and this is not the first issue XXXX or others have had. I have worked in the fraud department for another financial institution and know this is not how a business should operate and that there are other options or means of verification. I would like someone to complete a review of this business and ensure that they start treating the consumer correctly.
Consumer complaint received 2023-04-21
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. (NM)

A letter was sent to me on XXXX XXXX XXXX from XXXX XXXX XXXX asking me for the rent when I called them back to tell them about me or my son going to pay the rent they said it was ok. My son went to pay and they didnt accept the money and they said everything went to the trash The next day after calling them the maintenance man from this complex get into the apartment while we were out and throw away all our stuff, we didnt got a 30 day notice according with the law and the manager start threatening us to take us to court when I said it was illegal what they did, then she decided to send us to report into the credit agency, and she reported more than {$5000.00} by XXXX, that was completely illegal and not fair. I attached a copy of the two letters, then I tried to dispute this account with TransUnion and XXXX and they did not fixed it.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MI)

I was approved for a forbearance ( documents attached ). I have tried to contact NelNet via phone and email for over a week with hold times of an hour or more, never being able to speak to a customer service agent. As I type this I have been on hold for 35 minutes after calling right at XXXX with an estimated wait time of 2 minutes. 

NelNet is going to report my account 30 days late for a payment not being made in XX/XX/XXXX, but my forbearance letters ( attached ) say I do not have a payment due until XX/XX/XXXX. 

I have worked very hard on my credit over the years and my employment depends on having a healthy score. A 30-day late will destroy my report. There are no other options to contact NelNet and I have to work so I can't sit on hold for more than an hour which I'm sure is true for most people. I tried using the chat feature but it is only AI and was not helpful.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (AL)

On XX/XX/2023 the following companies made inquires into my credit without my permission. 

Wells Fargo XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (OH)

On XX/XX/year> I received an unsigned letter from Professional Credit Services, XXXX XXXX XXXX XXXX, OR XXXX. The letter stated that the company was collecting a debt owed to XXXX XXXX in the amount of {$83.00}. 
I sent them a letter disputing the claim. 
They sent another unsigned letter, without any of the information that I requested, and said I owed the same amount. This letter threatened to add interest. 
I called and negotiated for a settlement of the alleged debt. We agreed upon a final payment of {$58.00}. I sent check # XXXX for {$58.00} on XX/XX/year>. I wrote : Negotiated Final Payment on the memo line of the check. The check was stamped and deposited to the account of XXXX XXXX XXXX at XXXXXXXX XXXX on XX/XX/year>. 
I received an unsigned letter from Professional Credit Services on XX/XX/year> stating that I owe {$25.00} for principal, interest, and penalty fees. This is why I am contacting you for help in this matter. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-11-16
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX  # 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 angency can not furnish an account without my written instructions.
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Lendtable Inc. (VA)

On Tuesday XX/XX/XXXX I reached out to them to see how to resolve payment and they demanded the whole balance due of {$1900.00} by debit card or my XXXX k plan.This morning at around XXXX am I contacted my XXXX and I was told they never heard of this company or are not associated with them