davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

Fifth Third Bank purchased and took over my mortgage on XX/XX/XXXX. They did not have proof of flood insurance, so they placed flood insurance on our property. We however did have flood insurance through our XXXX. We provided proof in XX/XX/XXXX, but the insurance agent only sent over proof for a few months. We we had the insurance agent send over proof for the remaining months. 

Fifth Third Bank has indicated they will not send the money back, but instead apply it to Escrow, for which they claim we owe more money. However, after walking through the situation with help representatives, they come to realizes they actually do owe us the money back. I've ordered two escrow analyses ( one in XXXX and one in XXXX ). However, the bank is still refusing to pay us the amount we over paid. When I speak with someone from Fifth Third 's insurance department, they tell me we have been credited back the {$4800.00} ( XX/XX/XXXX XXXX and XX/XX/XXXX XXXX ). But to their surprise ( Fifth Third 's own insurance department employees ), the two payment amounts reimbursements are showing up on our statements. 

So, the bank says here is this product ( insurance ) that is XXXX. We say " no thank you '' we have insurance. Please give us the money back. The bank says no. 

Escrow tells us it's an insurance department problem. Insurance department tells us it's an escrow department problem. 

I am filing this complaint on XX/XX/XXXX. Fifth Third Bank has kept our {$4800.00} for three+ months. I am on the phone with Fifth Third and they still refuse to send the money back to us. PLEASE HELP. {$4800.00} is a lot of money my family could have used to avoid financial hardships. How do we get our money back? How do we get reimbursed for financial damages caused from Fifth Third retaining money they should have not retained?
Consumer complaint received 2023-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

Chase JP Morgan Bank shows me getting overdraft fee revese dispute while my account is still positive fraud investagation dispute. The fee came from an unauthorized hold on my checking and saving account that was removed. I was explicitly told by a Chase representative that I will still be charged an overdraft fee even though the charge was removed from my account Chase is routinely stealing from their customer 's bank accounts via illegal junk fraudulent or unauthorized charge nothing is being done about it. My account was closed without my knowledge with a balance of {$1200.00} fraudlent and unauthorized charges, overdrafted fee and sent to collections and reporting to chex system, which in no way states that customers must pay fees for fraudulent or unauthorized charges.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding their reporting of a late payment in XX/XX/2023 and XX/XX/2023 to the credit bureaus without providing me with the required written notification, as mandated by the Fair Credit Reporting Act ( FCRA ). 

The issue at hand revolves around Navy Federal Credit Union 's failure to notify me in writing at least 30 days prior to reporting a late payment on my credit report. Despite being a diligent member who values maintaining a positive credit history, I received no correspondence from Navy Federal Credit Union regarding the late payment in question. 

As a result, I am disputing the accuracy of this late payment reporting and requesting a thorough investigation into the matter. Specifically, I ask that the Consumer Financial Protection Bureau : Investigate whether Navy Federal Credit Union provided the necessary written notification to me at least 30 days before reporting the late payment to the credit bureaus. 
If no such notification can be confirmed, I request that appropriate action be taken to remove the late payment from my credit report. 
Ensure that Navy Federal Credit Union implements measures to comply with FCRA guidelines in the future, including providing consumers with proper notification before reporting negative information. 
I believe that accurate credit reporting is essential for maintaining fair and transparent financial practices. However, it is imperative that creditors adhere to the regulations set forth by the FCRA to protect consumers ' rights. 

I appreciate the Consumer Financial Protection Bureau 's attention to this matter and request prompt action to address the discrepancies surrounding the late payment reporting by Navy Federal Credit Union. Please acknowledge receipt of this complaint and provide updates on the investigation process. 

Thank you for your assistance in resolving this issue.
Consumer complaint received 2021-04-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (CA)

I asked Coinbase by email on XX/XX/2021, with whom I had attempted to setup an account on XX/XX/2021, that, " At this point I wish to close my coinbase account ( if it was ever considered open ) and ask that coinbase delete all my personal information it has, including but not limited to all information I provided to coinbase to establish my account. Can you please complete that for me? '' As of XX/XX/2021 Coinbase has still not replied to my request.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (VA)

Amerisave Mortgage Company took over 2 months to process a refinance. I was not getting responses at times from the loan originator or the processor. I've contacted them many times through e-mail, phone, voicemail, portal, and even once by fax with no response. During that process the rates had changed and I wanted to match what others had quoted me and the numbers for AmeriSave kept constantly changing. I eventually had to get an accountant involved and another lending company. 

On the day of closing the numbers were incorrect and we had to reclose again with a different ( higher ) rate than previously agreed. 

They also promised an online payment portal which does not exist. I am not able to track my mortgage at all except a bill I get once a month.
Consumer complaint received 2023-05-16
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. (TX)

In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

( XXXX XXXX XXXX # XXXX )
Consumer complaint received 2023-05-24
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: TD BANK US HOLDING COMPANY (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Nordstroms/ TD is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Nordstroms/ TD, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Nordstroms/ TD whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Nordstroms/ TD never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2017-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

My husband and i are in the process of refinancing our home after 11 years. We just found out there are Big Issues for my score and it 's directly attributed to mis information reported by Wells Fargo.
First one : reported for  XX/XX/XXXX  : Spoke with   XXXX   XXXX  , Employee #  XXXX  who explained to me that our  XXXX  Payment did not go through, did not bounce, it simply did not get processed. She told me No late fee, No late posting would occur because it was Bank Error. Well, it did get reported as a 30 day late.
Second one : On my credit report, it showed that our  XX/XX/XXXX  payment was 30 days late, when I pulled the file from  XXXX , I found my husbands notes of speaking with Wells Fargo and they told him the payment did not get processed because of a wrong account number? But Wells Fargo does not ask us to give the account number because they store it. So again it was bank error and they supposedly corrected it. But it shows on our credit report as another late payment.
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We have our Conformation # 's on the date payment was accepted. This is impacting my credit score horribly. Plus, our other cards where we have never had an issue have dropped our available credit due to this and now it looks like we ran up our balances, when in fact we have been paying them down. This is horrible timing as we are trying to refinance our home and it looks terrible on our credit.
This morning I spoke with   XXXX   XXXX     XXXX  ext  XXXX . he is senior level management and is supposed to help me with this. When I called him back to say it had also happened in  XXXX , he was less friendly and more rushed me off the phone. but when we started he said to complain to the Credit Companies and sometimes it 's faster. Well, let 's hope so.
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Many thanks for your help and let me know what else you need!
Consumer complaint received 2022-11-30
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: EQUIFAX, 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. 

Account name : Attorney XXXX XXXX ( Child Support Division ) # XXXX ( XXXX ), Account name : Chapter XXXX Bankruptcy : Bankruptcy # XXXX ( XXXX ), has violated my rights. 

XXXX5 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 XXXX 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 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (ME)

In XX/XX/2023 I applied for an income driven repayment plan. This remains in process as of today XX/XX/2023 without any clear update as to when this will be reviewed. I have submitted multiple inquiries regarding the status and attempting to expedite review with Aidvantage. Additionally I have utilized the Student Aid.gov grievance submission form on more than one occasion. I have not received any sort of meaningful communication from aidvantage aside from a message every few months stating they're reviewing my case. Most of my friends who graduated at the same time as I did have already been approved, therefore making managing their loans possible. I have been unable to have any control over or manage any of my loans since I graduated in XXXX XXXX XXXX 

Additionally I applied for student loan discharge as several of the loans were taken out on my behalf by a borrower who has since passed away. These loans were taken without my understanding what the implications were. Further loans that I had to take out were for a XXXX XXXX XXXX  that had ethically questionable practices and did not deliver what they promised to deliver per their handbook. I submitted information detailing many of the incidents that took place during my time in this program for review in XXXX XXXX Since then I have received correspondence from aidvantage several times stating there is someone reviewing my case without any clear update. 

Because of the delay, my loans have been placed on administrative forebearance WITHOUT my consent. Because of this I have not made any progress in paying back my loans or working toward forgiveness even though I am working for a company, accepting far less pay than my peers that is considered non-profit for the purpose of 10 year service based student loan forgiveness. Had my initial income driven repayment plan be reviewed in a timely way, I would be working toward my initial plan for forgiveness after 10 years. Since they placed my loans on administrative forebearance without my consent, my loans are continuing to accumulate interest at an alarming rate as I have now over {$220000.00} owed. This is becoming detrimental to my ability to ever overcome the substantial amount of debt that I've accrued in my time working to become a XXXX XXXX 

I am completely at my wits end and considering seeking legal action against Aidvantage. These practices are completely unethical and sounds like a breach of the contract I had with the servicer.
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (IL)

Throughout my history with this account, I've consistently made sure payments are on time, avoiding any instances of overdue payments. However, I'm uncertain why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-03-06
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. (NY)

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.

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 2024-03-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-06-03
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. (SC)

I submitted a letter to the Experian Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-05
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: JPMORGAN CHASE & CO. (NJ)

There were a number on unauthorized inquiries on my credit report dated XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-03-30
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. (TX)

I have sent this company a letter to validate the alleged debt. The company failed to do so. I have disputed this account numerous times, but the reporting agencies do not seem to be investigating these reports on my behalf. Since they have not responded to my letter of validation, I have sent them a letter requesting a removal.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (PA)

On the date of XX/XX/XXXX, a letter was sent to me by XXXX XXXX XXXX in efforts for me to sign. I didn't get the letter though so the company closed my account. They never sent me any letters certified to my address on file and they did not send me any emails to close my account they did this without my permission. Also there are 5 diff late payments that I never had on my account I was not late at all not one time. The dates that are XXXX XXXX my credit reports are XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX if my account was closed with no balance how can I still get charged a late payment. Also there are two more dates XX/XX/XXXX, XX/XX/XXXX. I was not late any of these days and was not given proper time to evaluate this discrepancy. They also did not send my {$200.00} deposit back either they kept that and told me I had to send a correspondence letter stating all of this. The dates that my account was opened was XXXX and the date closed was XXXX as per XXXX records
Consumer complaint received 2017-07-16
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. (TX)

Under CFPB case  XXXX ,   XXXX   XXXX   informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided   XXXX   XXXX   a copy of a police report filed with the  XXXX  Texas police department and a identity theft report from the Federal Trade Commission.   XXXX   XXXX   informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (   XXXX    ) which was received by   XXXX   XXXX   on  XXXX   XXXX , 2017.
Consumer complaint received 2024-03-06
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.