davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (MA)

I have requested that you explain why you denied my student co-signer release request last year. You failed to provide details about the specifics on my debt to income ration ( DTI ) when you replied on XX/XX/XXXX. Additional and new documentation were submitted with my SECOND application on XX/XX/XXXX so please provide the following : 1. Whether you reviewed the NEW documents submitted with the last co-signer release application XXXX XXXX, Tax returns showing rental income in schedule XXXX, XXXX, and pay stubs ) on XX/XX/XXXX ( Thursday ) with REVISED income. You replied with the denial within less than XXXX business hours on XX/XX/XXXX ( Monday ) suggesting you did not conduct a through review of the documents. 

2. Explain how you calculated my Debt to Income Ration ( DTI ) between XX/XX/XXXX and XX/XX/XXXX. 

3. Confirm that the calculated DTI was 75 % as stated by two of your servicer 's representatives to me and my co-signer on a recorded call on XX/XX/XXXX. We were initially advised by your servicer 's representative at the beginning of the call that the XXXX was 75 %. Then when we spoke with a supervisor, we were advised that the information was not releasable. When we spoke with a higher supervisor, we were advised the DTI was 75 % indeed. ( The call has cost me an additional {$58.00} in phone bills for international calls as I am stationed overseas due to a military assignment ) 4. Release required DTI your underwriters use for co-signer release review. If you can't release it, please explain why you do not release the borrower 's required DTI like most lenders would do when a borrower is applying for credit. 

5. Explain why you did not disclose in your advertising before we signed the promisory note on XX/XX/XXXX that there would be other requirements in addition to making 24 consecutive payments on time ( e.g. that I would have to meet underwriting requirements ) like you had advertised. 

6. Confirm that you have not released other borrowers ' cosigners with the same or higher DTI and lower credit score. 


Regards, XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (AR)

According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXXXXXX XXXX XXXX account XXXX XXXX also XXXX and XXXX shows a different account # which is # XXXX ) I am Attaching identity and proof of address.
Consumer complaint received 2023-06-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: VYSTAR CREDIT UNION (FL)

I have received a letter from VyStar Credit Union about opened ( probably XX/XX/2023 ) checking and savings accounts on my name which I never opened at all. I called to the VyStar Credit Union asking them to close these accounts but they told me that I have to file police report and send them a copy of that report. Only after they will receive police report from me they will close these fraudulently opened accounts. I never had anything like that at any other banks or credit unions. I want to close both fraudulent accounts as soon as possible.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. The following account is not mine XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX i have already disputed these items with the bureaus but they did not remove them, nor prove validation. 

Under Sec. 602 " I Have A Right To Privacy ''
Consumer complaint received 2018-12-07
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. (NV)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION ()

On XX/XX/XXXX, at XXXX I was meant to be wired a repayment from a good friend. She banks at Navy Federal Credit Union, the branch was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The payment was international from XXXX to XXXX, and heading for my British account. 
The projected time of " funds available '' came and went, no money was received. My friend had to go back in to the branch, where it was discovered the clerk had filled in the form incorrectly, so a trace was initiated and the payment to me was promised in XXXX working days. That time also came and went. The money is missing, my friend was told her concern would be addressed in a " case by case '' decision, which is terribly unfair, and wrong. 
The bank lied about sending my British bank an email, also, as they don't subscribe to " XXXX '' payments, they assured her the " routing '' number, our version of a sort code, would find the missing money, which was not truthful, as only identified the branch, not a payment.
Consumer complaint received 2023-11-10
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

On XX/XX/XXXX there was an unauthorized payment made on my account for {$2500.00} out of someone else checking account who made an {$1000.00} payment the week before as a favor. As soon as he called to tell me that {$2500.00} came out of his bank account, I immediately called my point of contact there, explaining the situation & she put in a request for a refund. After the 48 hours I called her to find out the status & she told me it was still pending and for me to email the XXXX department DEMANDING they refund the money. I emailed them 3 separate times with no response, the following day I reached out to my point of contact again & she then tells me it was denied & for me to call & ask for a supervisor, I did that on XX/XX/XXXX which was unsuccessful. They were really rude & she pretty much told me that theres nothing they can do about it because if they refunded it, it would bring me past due which I told them I have the money for a payment, but that Im not paying it until the {$2500.00} payment is refunded. She then tells me to just pay him back.Absolutely not.
Consumer complaint received 2023-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hello, Back in XXXX, I submitted a dispute regarding a Capital One Venture card ending in XXXX in which a settlement amount of {$320.00} ( current balance at the time ) was issued. I have yet to receive a settlement letter regarding this adjustment, but rather just a notification from my XXXX credit report that shows a settlement was reached and that the account was closed. ( attachment XXXX ) This account is showing as closed on my credit reports but the balance has not been adjusted, resulting in late payments showing up on my reports and affecting my score. I've attached two screenshots taken from different areas of my credit report showing the inconsistency in what is being reported. ( attachment XXXX & XXXX )
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX I have submitted a direct dispute with XXXX XXXX XXXX Equifax providing proof of identity theft proof of address XXXX XXXX XXXX XXXX XXXX  tx XXXX ( documentation attached ) I have submitted a ftc report as well each company have failed to protect my consumer rights and remove the fraudulent accounts and inquiries so as of XXXX XXXX my attorney and I have a civil lawsuit against below companies and I XXXX XXXX is seeking relief to remove all disputes information and prove me with monetary compensation for each cfpb violation XXXX Fraudulent account ( XXXX XXXX XXXX ( XXXX XXXX Inquiries PAYMENT XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax FRAUDULENT ACCOUNTS ( XXXX XXXXXXXX XXXX XXXX XXXX And all inquiries ( asap ) XXXX fraudulent account ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We did a modification on our mortgage almost a year ago now & have not been late or missed a payment. We now have a charge on our mortgage statement of {$330.00} XXXX of what they are calling lender paid fees but no explanation of what those fees are for or who exactly they paid. Our mortgage statement shuts that they will not accept another mortgage payment until we pay this fee first. We have tried to contact them, only to be put on eternal hold and were given the option to press 1 for a return phone call, which we did, but still no returned call. I dont see how this is legal for them to access a fee out of the blue with no detailed disclosure of who they paid the fees to or what they are for & now refusing to take our next mortgage payment until we pay it.
Consumer complaint received 2023-11-10
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX, Equifax is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (CA)

We, XXXX XXXX XXXX and XXXX XXXX, the home loan borrowers for their primary residence home at XXXX XXXX XXXX XXXX in XXXX, California would like to seek either a judgment or a verdict by jurys trial in California Federal or state court due to having suffered deep financial stresses and losses due to illegal actions caused for the past 5 years by our loan servicing companies, XXXX and Selene Finance. They employed illegal methods and actions to default our loan and process to foreclosure our house as well as held us in a loan dispute situation so we could not do any refinancing when the interest rates were low in XXXX, XXXX, and XXXX. Finally, after we had paid total of {$110000.00}, demanded by Selene Finance before XX/XX/XXXX, Selene Finance sent us an updated mortgage statement in XX/XX/XXXX and identified and approved all our 10 missing mortgage payments were all from either Shellpoint or Selene Finances refusing and returning our regular mortgage payments from us from XX/XX/XXXX through XX/XX/XXXX. Selene Finance used its lenders foreclosure threat to collect more than {$16000.00} extra in mortgage payments from us in XX/XX/XXXX and has refused to return the money as of present.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

It appears that your financial institution may have violated federal laws related to the sharing of your personal financial information without providing you with the opportunity to opt-out. According to 15 USC 6801 ( a ), financial institutions are required to notify consumers of their information sharing practices and offer the right to opt-out of certain sharing.

Additionally, 15 USC 6809 ( 4 ) ( A ) defines " nonpublic personal information '' as personally identifiable financial information obtained from consumers, and 15 USC 6809 ( 5 ) defines " nonaffiliated third party '' as an entity not affiliated with the financial institution. 

Based on these definitions, it seems that XXXX, XXXX, and Experian are considered nonaffiliated third parties. If your financial institution admits that they are affiliated, they may still be in violation of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ) states that consumer reports should not include information communicated among entities related by common ownership or corporate control unless clearly and conspicuously disclosed to the consumer with the opportunity to opt-out.

In conclusion, your financial institution has infringed on my right to privacy and potentially violated multiple federal laws regarding the sharing of my personal financial information. I demand
Consumer complaint received 2023-09-05
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. (CA)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.AMEX XXXX and XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital one scent me a letter on the XXXX saying that they scent over to all 3 credit company that my stuff current owe XXXX balances no monthly payments don't owe XXXX but they lied. Capital one still reporting inaccurate information to all 3 credit company 's 2 credit still got me 90days119days late and XXXX on them on the other one Capital one reporting still 90days late when I'm current on them they don't have my payment history boxes checked for XXXX and XXXX they got my credit score low Capital one got there money there payments and won't fixed it in all 3 credit company that letter Capital one scent me they didn't correctly what they said in the letter that they reported. Capital one still reporting false information to the 3credit company why so hard for Capital one to report accuracy information to the 3credit company
Consumer complaint received 2023-09-05
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, XXXX XXXX XXXX Account # 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (AL)

I requested My 2 credit reports with my ID and utility bill. I received a reply stating that my consumer report can not be furnished until I provided additional identifying information. I complied with the request and sent my driver 's license, social security card, and a utility bill ( electric ) and I received another reply asking for identifying information again. I have been requesting my 3 credit reports and I have yet to receive what is rightfully mine.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I am writing to file a formal complaint against Capital One Bank for apparent violations of the Equal Credit Opportunity Act ( ECOA ), which I believe may constitute securities fraud. I am deeply concerned about the denial of my credit application by Capital One Bank, as I assert my rights as a consumer under the ECOA. 
Violation of Equal Credit Opportunity Act ( ECOA ) : I, as a consumer, am protected under the ECOA, which prohibits creditors from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. I believe that the denial of my credit application is a direct violation of my rights under this Act. 
Securities Fraud Implication : Denying credit without valid reasons may be indicative of securities fraud, as it potentially misrepresents the financial standing or creditworthiness of the consumer. Such actions can lead to false information being provided to investors and shareholders. 
Consumer Rights to Credit : The extension of credit is a fundamental consumer right. Denying this right without clear and justifiable cause not only violates my rights under the ECOA but also raises concerns about fair and ethical lending practices. 
I request that Capital One Bank either returns my credit application unendorsed or proceeds with the consumer transaction as per my rights. I believe that any denial of credit should be based on valid and non-discriminatory factors, and I request a thorough investigation into this matter. I kindly ask the Consumer Financial Protection Bureau to investigate this complaint and take appropriate action against Capital One Bank if any violations are found. I am also open to providing any additional information or documentation that may assist in the investigation. 
Thank you for your attention to this matter. I look forward to a resolution that upholds consumer rights and ensures fair and transparent financial practices.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

From your own XXXX  : " If the required information isn't received by XX/XX/year>, to the extent permissible by law, your ability to transact on the account, or accounts, may be restricted and your account, or accounts, may be closed. '' My wife and I hit XXXX years of marriage this year. We have NEVER had to verify her credentials. Then, you turn around a month later and have us do it again?!? 
Please pay attention to your language. 
This is why not having a CEO with XXXX experience is vital. USAA is WELL AWARE that I have XXXX, XXXX XXXX XXXX XXXX XXXX I have identified this repeatedly over the years because getting anything done with them is like pulling teeth. 
I can not believe, USAA, a XXXX bank, treats their customers like this? You guys have to assume your clients are combat Veterans. You have to assume a XXXX rating from XXXX % because of our actions on XXXX XXXX. YOU MUST ASSUME your clients are likely experiencing some form of XXXX. 
You guys are going to tell a member of XXXX years and honorably retired after XXXX  years, that you are going to take away his assets to fullest extent of the law?!?!? Are you kidding me? If you guys sent someone to my front door telling me what these two XXXX  stated, that would be grounds for a physical altercation. 
Your business model and tactics are reckless and a threat to the very people you are supposed to serve. 
I have submitted a formal complaint through the Federal Reserve and the Consumer Financial Protection Bureau. 
We just accomplished this task last month and you are coming right back at us with the same language. You guys are reckless and lost sight of whom you are supporting. We are in the process of paying our loans off with you and migrating our finances elsewhere. I have shared this situation with ALL of my XXXX friends and family who are USAA customers.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX Balance Owed : {$28000.00}.