davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-12
Product: Credit reporting 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 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2017-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NJ)

I have tried for 5 years to return my home to the bank. Right now the mortgage company is Seterus Loan # XXXX. I filled Bankruptcy in XXXX 2016. The mortgage company has still not take the title back. 

I have attempted Short Sale, Modification, Deed in Lieu and finally Bankruptcy. 

It has been at 3-4 years since I started the process. 

I am wanting to return the title to them and they are not taking any action to clean this mess up. 
XXXX Thank you.
Consumer complaint received 2023-09-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

As I began to repair my credit this this month XX/XX/2023, I disputed 2 collections from US COLLECTIONS WEST INC. They are from XXXX XXXX XXXX. Following the dispute update, the balance of both accounts has increased significantly. Also, why do they have two accounts with two different balances. The apartment complex never gave me a copy of the lease despite multiple requests when I was living there. Also, they added a month from the previous year that was paid for by a local XXXX  for rental assistance. I don't understand how they can add a month that was paid for when they evicted me. Then when I attempt to dispute the charg, they raise the balance without reason.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XXXX  The account was not delinquent for XXXX XXXX A payment arrangement was in place ahead of time.
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. (CA)

Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations.

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX 's XXXX manual ( see XXXX XXXX ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

I have a federal student loan originated in XXXX and XXXX that was originally serviced by NelNet. In XXXX it was sold to XXXX and my principal balance significantly increased. In XXXX I required XXXX perform an audit where it was uncovered payments were being improperly applied to the balance, and inflated by interest accruing. In XXXX I had a balance of {$8300.00} ; however, when it was sold back to NelNet in XXXX, my balance increased to {$9600.00} despite not being active since XXXX AND no interest accruing due to COVID relief programs. 

I tried e-mailing and calling NelNet, and have not received ANY responses. I am not willing to pay for inaccurate principal and interest.
Consumer complaint received 2020-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I submitted a tax increase form due to renovation done to the home in XXXX, My Loan Care agreed to pay this on our behalf, but it been it XXXX and still hasn't been paid. No one called me backs when they say they will. Dates they promises this would be resolved have come and gone
Consumer complaint received 2018-05-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information. 
We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.
Consumer complaint received 2018-05-01
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: EQUIFAX, INC. (KS)

On XX/XX/XXXX, I wrote a letter to all three bureaus, asking them to investigate mistakes on my credit report. To date, only XXXX XXXX has responded. I still haven't received anything from Equifax or XXXX, despite writing 2 follow-up letters.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2024-04-26
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

I was charged by healthcare provider XXXX XXXX XXXX for services not rendered and provided a receipt on XX/XX/year>. This charge was not approved or authorized despite the practitioner having the card information. Healthcare provider was reported to the state of the Washington Department of Health for fraudulent billing practices. Evidence exceeding health privacy rights was given to Capital One of personal health insurance claim history. This proved that the provider never tried to submit a claim to insurance. This may be in violation of HIPAA laws.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have filed multiple disputes. creit bureaus refuse to complay with the disputes and remove fraudulent and unauthorized inquiries causing negative information on my file and lowring my credit score
Consumer complaint received 2023-12-11
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: WELLS FARGO & COMPANY (OH)

Subject : appeal to Wells Fargo research results Case number : XXXX & XXXX Account number ending in XXXX Consumer Financial Protection Bureau, case number : XXXX I am hereby appealing Wells Fargo findings in my case as they are materially incorrect. 

My records show that the Statement Period XX/XX/2023 to XX/XX/2023 shows new balance of {$170.00} due by XX/XX/2023. See Exhibit A. 

This balance was paid by me on XX/XX/2023, from my XXXX checking account. See Exhibit B. 

However, this payment of {$170.00} was NEVER reflected on the next Statement Period XX/XX/2023 to XX/XX/2023. My payment of {$170.00} was NEVER credited to the Balance. The only thing that was credited to the Balance, were Cash Rewards in the amount of {$14.00}. See Exhibit C. 

Per my phone conversation with Wells Fargo Customer Service, a lady on the other end told me flat out, we dont have to credit your payment toward the balance, which is exactly what was erroneously implemented. However, under XXXX ( XXXX XXXX Billing Act ), my payments should have been credited against the existing balance thus lowering the amount due in the next statement. 

Therefore, the New Balance of {$430.00} is incorrect. It should have been as follows : {$430.00} - {$170.00} = {$260.00}. I do NOT owe more than this amount to Wells Fargo. They will receive this last payment on XX/XX/2023 ( due on the XXXX ). I have closed this card and will never look back.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXX XXXXXXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness.

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7.

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ).

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well.

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed. 

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXXXXXX XXXXXXXX
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GREENSTATE CREDIT UNION (IA)

I have been getting fees for subscriptions that overdraft my Green State Credit Union checking account. They offer a Card Control to turn your card off, but it does not work for overdrafts. Almost all my fees occur when my Card Control has the card turned off. That means {$35.00} fees for stuff that might cost less than half that, with no way of controlling. When I complained about the fees and inability to control them, they told me I should cancel all my subscriptions. I said they were predatory, they said I need to go in person to change anything. They then changed it without telling me. I asked who changed it and when, they would not tell me. I also got random fees without details for {$4.00} and {$3.00}. I asked them to tell me what they were for, they would not. XXXX from account resolutions would harass me about my account being negative, even though my fees were hundreds of dollars per month. They would only refund 1 per year. I also asked them what the OD fees are being used for and they would not tell me. They are preying on people who are financially unstable and harassing us to get back positive. I also have explained to them many times that I have been very ill for almost two years, and finishing a XXXX XXXX. I graduated in XXXX, but could not really start work because I was waiting for XXXX that was not scheduled. Once it was scheduled I got a job with employer who was understanding. I had my XXXX XX/XX/XXXX, was off for about 10 days. I then returned to work. This whole time I have explained myself to GSCC several times. They gave no exceptions. They even force deducted my minimum credit card payment after I explained to them I was short on rent, because of XXXX, and wanted to hold off, but would soon be able to make regular payments. The worst part is the games they p [ lay. They call and email and harass you, even knowing my health and financial situation. They even forced me to call them from work, and would not let me off the phone even after talking for some time and telling them that I was working and had to go. I set up mobile pantries in underserved communities giving food to people of need. My boss was waiting at the location, I was ot the office trying to leave. They kept me on the phone, would not answer my questions, and told me that if I paid my rent instead of my credit card payment they would deduct the money, which is what they did. This supposed credit union is predatory and should be scrutinized.
Consumer complaint received 2023-12-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (IL)

I transferred {$1000.00} into Skrill digital wallet with prepaid card and then I pulled XXXX out in the ATM and then I added a little bit more like {$350.00} more and then they locked it up. I had already given the {$500.00} to pay my rent so they left me with no money and XXXX little XXXX  they locked up every single penny I have and I have a XXXX year-old and a XXXX-year-old that have not eaten since breakfast time and it is now XXXX XXXX I started emailing and contacting them immediately I sent them screenshots of the money, coming out of my own account and going onto their card as proof that its not fraudulent and it all belongs to me they ignored me. They screened out my calls, they sent me form responses, They reviewed it and marked it, solved and then reopened it and kept it locked up. I begged them to unlock my money because its every penny I have and I have XXXX babies that havent eaten since breakfast and they left for the day with us having no money, and no food. They should be punished to the fullest extent of the law and I intend to contact an attorney regarding our suffering throughout today, and the fact that these XXXX  are going to go to bed hungry. I have {$850.00} in there and it all belongs to me and I need to feed these children and theyre not going to even give it to me. They need to be punished. I contacted them from XXXX XXXX  all the way till now which is XXXX XXXX  central standard time we have nothing we have no food they have every penny locked up. I contacted them 100 times through email, through phone, which they either screened out or hung up on me and through chat and threw tickets telling them numerous times that I had XXXX babies here that had no food, and that they had all my money they need to be punished to the fullest extent of the United States federal law, or forbidden from doing business with Americans because they obviously can not do the job and we are starving.
Consumer complaint received 2020-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MT)

Last XX/XX/XXXX checked on FSLP loan forgiveness for non profits and asked them to calculate how many eligible payment is had made ( should start XX/XX/XXXX ) still have not resolved this and they sent me a letter in XXXX that it is first come first serve. 

XX/XX/XXXX received letter to recertify my IDR student loan. Resubmitted my information in XX/XX/XXXX. XX/XX/XXXX received letter it was too early to resubmit and the XXXX letter should not have been submitted. 

XX/XX/XXXX received letter they did not receive my resubmission informaiton to receritfy my IDR student loan ( I am with fed loan ) I called and staff said the person who told me in XX/XX/XXXX that I did not need to recertify in XXXX was incorrect. They had raised my loan payment for {$380.00} to {$1100.00}!!!! I had to take a two month forebarence to sort this out and the interest is {$600.00} extra due to their mistake. 

I have emailed and called since then and they sent me an issue saying it appeared the issue was already resolved. I emailed them back that it is not resolved
Consumer complaint received 2024-03-29
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (FL)

Navy Federal Credit Union advertised XXXX XXXX XXXX used car loan. I applied and the Banks response was a XXXX % loan offer based on a XXXX Score XXXX XXXX dated XXXX. I knew that was incorrect and immediately called Navy Federal Consumer Loan Dept- nothing we can do as its computer generated. I immediately requested my Credit Report from all 3 companies. XXXX reported XXXX XXXX, one day after I received the score from Navy Federal. Incidentally, XXXX reported XXXX and XXXX XXXX on the same day XXXX. I have the documents. 
I spoke to my local Navy Federal Branch Manager XXXX about the discrepancy. Nothing they can do after she called the Navy Federal Consumer Loan Department. 
This is a classic example of a Bait and Switch, which legally is Fraud.

The Algorithm in the Navy Federal Credit System must have been manipulated to provide lower scores. This must of come from the highest levels of the company. 
I cashed out and closed my account. An investigation needs to be conducted.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (TN)

XXXX/XXXX is reporting activity on my credit reports and I have never had an account with them. My husband, who is a homeowner, is the one with the account with them. I have never purchased anything from them, nor have I given them permission to extend credit to him.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (ME)

I paid my XX/XX/2023 payment which was part of a series of Trial Payments. After the loan modification was processed, my statement said I was due for XX/XX/2023 again. I have filed a complaint with the bank and nobody has contacted me to fix this issue. I'm retired and on Social Security. I have also been charged late fees that should be refunded. Please help me.