davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX REPORTED MY ACCOUNT WRONG TO THE TRANSUNION TRADELINES. I SPOKE WITH THEM ON XX/XX/2020 IN REGARDS TO MY ACCOUNT. ON XX/XX/2020 I PAID MY ACCOUNT OFF. I WAS TOLD BY THE REPRESENTATIVE THAT THE ACCOUNT WAS NOT IN COLLECTIONS AND IT WOULD BE REPORTED AS PAID IN FULL, I HAVE DOCUMENTATION FROM THE COMPANY. I GET A NOTIFICATION FROM TRANSUNION THAT XXXX REPORTED MY ACCOUNT AS CHARGED OFF. I CALLED ON XX/XX/2020 AND SPOKE WITH A REPRESENTATIVE WHO SAID THE COMPANY MADE AN ERROR AND THAT THE WAS SENDING A REQUEST TO HAVE THE ACCOUNT REMOVED FROM MY TRADELINES. I ALSO HAVE THE CONVERSATION RECORDED. TODAY I RECEIVED A NOTIFICATION THAT THE ACCOUNT IS REPORTING AS PAID AFTER CHARGE OFF WHICH IS NOT TRUE. 
I HAVE TRIED TO CALL THE COMPANY NUMEROUS TIMES AND I AM NEVER ABLE TO SPEAK WITH A SUPERVISOR REGARDING THIS MANNER. THIS ACCOUNT WAS NOT IN COLLECTIONS OR CHARGED OFF WHEN I PAID IT IN FULL, IT WAS PAID OFF XX/XX/XXXX. PRIOR TO THAT, I MADE ARRANGEMENTS TO PAY IT OFF ON THAT DATE. THE ACCOUNT WAS STILL OPEN. 
XXXX XXXX LIED TO DESTROY MY CREDIT
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX  XXXX  has been paid in full as of XX/XX/2019. On my credit report, the account shows a balance for {$8000.00}. In a section of my credit report, the balance shows in the month of XXXX. The months of XXXX through XXXX is not showing on the credit report with a balance. Which means the account was paid in full in XXXX. If it wasn't paid, XXXX would show the balance next to each month. XXXX  is still reporting a balance in the balance column and updating this every month although they are not receiving a payment every month since they were already paid in full.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

On XXXX, I had over {$5000.00} in fraudulent charges taken from my bank account. I had been to a medical appointment earlier that day near XXXX, WA and lost my debit card. Almost all of those charges happened via XXXX XXXX or XXXX XXXX. Prior to that, my information was involved in a data leak and I had just purchased a new device through XXXX. Once I recognized the charges were on my debit card, I submitted a claim to USAA about this as soon as possible. The only alert I received from USAA is if I spent money at my local library ( which I did a day prior ). Now, USAA is saying that these are in-fraudulent claims and I will be forced to pay back all provisional credit when I never made the Apple Cash payments to people I do not know. 

Whats most frustrating about this situation is that I have referred business to USAA for over 8 years and been a loyal customer. I did the right thing in reporting fraudulent behavior. If this is not made right, then they will lose my business. Why would someone spend nearly their entire bank account via XXXX XXXX to someone they do not know? Its absurd and frustrating. Frankly, Im surprised that USAA doesnt have humans to speak to in the fraud department because I havent spoken to one person about this issue who works in fraud.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

I had opened BBVA checking and savings account during XX/XX/2020. 
No where I have been told how to setup the e-statement. Website is also not user friendly or intuitive so that i can figure that out. I tried calling them but they have very restrictive hours or very long wait time. 
I was not even aware of the fact that i have paper statement and the bank charges for that. During end of XX/XX/2020 - BBVA charged me {$3.00} fees for the paper statement.

I wrote to them about it and asked them to waive it. 
I have some how setup the e-statements now
Consumer complaint received 2020-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I applied for XXXX  Loan  Forgiveness with Nelnet on XX/XX/XXXX and the Chief Administrative Officer completed their section on XX/XX/XXXX. Everything was accurately marked, including my service record ( XXXX at one eligible XXXX  and XXXX at another eligible XXXX  ). 

On XX/XX/XXXX I received letter notifying me that my teacher loan forgiveness application was incomplete and asked that I change the distinction of one of my XXXX   from a XXXX  XXXX  to an XXXX  XXXX, and mark that I am an XXXX XXXX. I work at a XXXX XXXX  and XXXX XXXX XXXX, yet I was instructed to change my XXXX  type and XXXX   service ( from XXXX  to XXXX  ). This correspondence also asked that I correct a small detail regarding my name being written at the top of one of the pages. I made these small corrections and resubmitted the application by mail and online through the Nelnet website. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application was incomplete because I needed to have a separate page 1 for each eligible XXXX. The letter also instructed me to have my Chief Administrative Officer change the name of my specific XXXX  as it appears on the Department of Education list of eligible XXXX. My XXXX wrote the name of the school, which was changed between XXXX and XXXX from an XXXX  school XXXX XXXX XXXX to an XXXX XXXX XXXX  ) as XXXX XXXX XXXX  ). I reached out to the customer service department at Nelnet to find exactly what I needed to submit and the missing information was resubmitted to Nelnet, however the name of my XXXX  was left as XXXX. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application had been denied due to ineligibility and stated that I had a gap in my eligible teaching service from XXXXXX/XX/XXXX 
My experience with Nelnet has been positive until this issue. I feel that as a consumer, errors beyond my scope are affecting me and my finances.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (MI)

There is currently information on my credit and background check that should not be there my identity was stolen due to a robbery where someone took my purse with my social security card driver license credit card bank information which is causing a major impact on my credit scoring and I am now trying to resolve the issue after finding this out.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SC)

I have had chime for 8 months I been getting direct deposits all this time then on XX/XX/20 my account was closed soon as I got paid XXXX I was in negative XXXX dollars they took my whole check I called chime they told me my account was not in compliance with there policy they wanted a explanation to ATM withdrawal I explained to them they told me to show proof of address picture of my social security card pay stubs i also took a picture with me holding my ID they got all these documents and told me I could not get my money they took all my money I sent them these documents more then once chime keep saying I'm not eligible for a refund I don't understand why when i sent them everything I been broke this whole time since this issue happened I have XXXX kids i been backed up on my bills my rent was due on this day when I got paid and they took all I had I'm a single parent all I want is what's owed to me the money I worked for I have been waiting all this time for my money I couldn't buy my kids no gifts because they closed my account soon as I got paid I will appreciate if you could help me get my hard working money back thank you.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

Freedom Mortgage sent a property tax check of $ 1800+ to the county on XX/XX/XXXX. The loan was refinanced the same day and the check from the refinance was used by the county instead. The county quickly sent the Freedom Mortgage check back so a refund could be issued to me. I have been diligently calling Freedom Mortgage to get updates and in late XXXX, they told me the refund check would be sent on XX/XX/XXXX. However, it is now XX/XX/XXXX and the check has still not been received and now they are saying it will be another 10 business days before check is sent out, almost the exact same thing they said in XXXX.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXXXX/XX/2020 XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX  XXXX  Experian XXXX XXXX  XXXX XXXX, TX XXXX  XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX XXXX XXXX
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (LA)

WELL FARGO/XXXX XXXX XXXX This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 
I recently disputed this account with the XXXX  credit reporting bureau, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : This account has been in violation and been reporting negative over 9 years. The last activity date was not reported which is 9 years old ; to make this debt remain on my report beyond the status of limitation. I need all payment history from the time I open this account till to date to support your record. 
Base on my class action law suits your company has a tendency to do this to your customer. This is right it is not fair and its clearly a FCRA violation. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
All correspondence should be sent to my attention at the above address. 
Thank you.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX/XXXX  XXXX XXXX  XXXX
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

On XX/XX/XXXX the President waived all interest on student loans. I made a payment to my student loan held by Navient on XX/XX/XXXX to my consolidated loan. Navient collected the interest on the loans first, then applied the the remaining payment to the principal amount. 

It seems they are functioning as normal and not following the President of the United States orders. I emailed a complaint to their website and told them i would be contacting the CFPB. Please keep me in the loop with how this complaint will be processed. 

Thank you, XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to seek your assistance regarding a matter involving a recent violation of my rights under the Fair Credit Reporting Act ( FCRA ) by a creditor. As a loyal customer of Navy Federal, I value the relationship I have with the bank and wish to address this issue amicably with their cooperation. 

In accordance with the provisions outlined in the FCRA, specifically detailed in 15 USC 1681, the creditor in question has unfortunately disregarded certain fundamental rights granted to me as a consumer. The violations are as follows : 1. **15 USC 1681, Section 602 : Right to Privacy** - This section explicitly guarantees my right to privacy regarding personal and financial information. The actions taken by the creditor have, regrettably, infringed upon this fundamental right. 

2. **15 USC 1681, Section 604a ( 2 ) : Consent Requirement for Furnishing Account Information** - Under this provision, it is stipulated that a consumer reporting agency can not furnish account information without my explicit written instructions. However, such instructions were not obtained by the creditor, leading to a violation of this requirement. 

3. **15 USC 1666b : Prohibition Against Treating Timely Payments as Late** - This section prohibits creditors from treating timely payments on credit card accounts as late for any purpose. Despite my efforts to maintain timely payments, the creditor 's actions have inaccurately reflected otherwise, causing undue distress.
Consumer complaint received 2022-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (PA)

XXXX XXXX XXXX XXXX Wells Fargo Bank XXXX XXXX XXXX Less than I week after I mailed a check to the Internal Revenue Service XXXX XXXX noticed online that the check that I mailed had been modified/washed. I immediately notified Wells Fargo Bank on XX/XX/2022, that a check that I wrote payable to the US Treasury for {$4400.00} for estimated taxes had been modified ( washed ) and made payable to a person that I did not know, XXXX XXXX. I noticed this payee change online on the Wells Fargo website. The check image clearly shows that the payee 's name was washed off and changed. There is a note on the check that this is for 2022 estimated taxes ( XXXX XXXX ). The check was mailed a few days before in a blue XXXX Postal Service mailbox. On XX/XX/2022, I receive confirmation from Wells Fargo of my report of XXXX XXXX. I also reported this check fraud to the XXXX XXXX, PA Police Department on XX/XX/2022, and case number Case Number XXXX was opened for this by XXXX XXXX XXXX Detective XXXX XXXXXXXX Police Department XXXX 
On XX/XX/2022, I received an affidavit form from Wells Fargo to fill out for the Check Fraud Claim, which I filled out, had notarized, and submitted at my local Wells Fargo XXXX XXXX on XX/XX/2022. As of XX/XX/2022, I have not received any reimbursement for the funds lost in this Check XXXX case. I would think that 3 months is sufficient time for Wells Fargo to investigate this case and reimburse the funds to me.
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2020-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (GA)

On XX/XX/2020, I ended the day with an available balance of {$1000.00} in my checking account On XX/XX/2020, I made a payment of {$1000.00} to pay my credit card On XX/XX/2020, I was charged a Non-Sufficient Fund fee of {$38.00}. When I called in to inquire about this fee, I was told that a hold was put on my check deposit so even though the display balance was {$1000.00}, my actual balance was only {$500.00}. The agent offered to waive the fee and I accepted. I confirmed that this time my available balance was the full amount {$1000.00} On XX/XX/2020, I tried to re-make the same payment of {$1000.00} to my credit card. I double checked that both my available balance and my posted balance was {$1000.00}. After I made the payment, the balance dropped to XXXX On XX/XX/2020, I was again charged a Non-Sufficient Fund fee of {$38.00}. BBVA seems to engage in deceptive practices of charge NSF fee when not applicable, or purposely hides the true balance of an account so customer would incur NSF fee.