davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-09
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. (TX)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation
Consumer complaint received 2023-03-08
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: Smart Finance Inc dba Fishtail Financial (GA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX 2021 I applied for a Home Equity Loan at TD Bank in XXXX XXXX with loan officer XXXX. I was approved within days. All paper work was filed, appraisal was completed on my CO-OP, Questioner was sent from my Property Managers office ( I also paid for it out of my own pocket 150. ) Was waiting on a closing date after about three months and then was told second under writer said they don't offer Home Equity Loans on CO-Ops. I was advised not to pay my personal loan during the process cause I would be getting the funds from the Home Equity Loan. So I am now behind on that loan. 
I was told they escalated the situation to the higher names but I still havent heard a response nor its been two weeks.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

I am filling a complaint with Target Red Card. I have been a client since 2014 and I have always paid my bill on a timely manner. If I am using my bank account to pay my bill on or before the due date it is out of my control if it's late. Also If I make a payment in the store and it does not go through on the date it's due that is out of my control also. This has happened more than once and I have to keep calling them to remind them of this situation but they still consider it a late fee. They also did not correct or credit all my returns from last year and this year back to my credit card. I should have at least {$1000.00} on my credit including all the payments I made. Everytime I call them about this situation or problem they are rude and disrespectful and do not want to correct the problem they made on my account they hang up on me when I asked to speak to a supervisor and sometimes the supervisor is rude and hangs up to. I would like them to credit all the returns and fix my available credit on my credit card. They know they screwed up on my account.
Consumer complaint received 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (TX)

I noticed that a collection appeared on my credit files on all three major Credit cards Bureaus that do not belong to me, I have no knowledge of if this company that's trying to collect a debt from me. I need them removed my credit profiles ASAP.
Consumer complaint received 2023-10-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: VEROS CREDIT, LLC. (CO)

First the vehicle was unlawfully repossessed because of the repossessors broke into a garage in order to do their job secondly the vehicle was auctioned at what appears to be about {$2000.00} to cover an {$18000.00} debt
Consumer complaint received 2023-02-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX a full time college student and had gone out of the country for school breaks and couldnt come back in time because I tested positive for XXXX while I was out of school. As a result, I missed my credit cards payments with Bank of America and XXXX XXXX. I also missed a balance assist loan payment with Bank of America. I could not contact them because I was out of the country and not feeling well due to XXXX. 
I recently got back to school and contacted them via phone to explain the situation and kindly asking them to remove the late payments on my file. I assured them that I plan to repay my loans in 4 days time. However, they said they could not remove the late payment reported to the credit beuareus. My credit score has been heavily hit by those late payment reports. So Im trying to kindly get the late payment reports removed from my credit score. 

Im attaching a screenshot of an email send by the provost of my college to all my professors excusing me from moving back on campus during the time I had XXXX and out of the country.
Consumer complaint received 2021-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

I received a letter on XXXX/XXXXXXXX2021, that my mortgage with XXXX XXXXXXXX XXXX has been sold to Selene Finance. I have tried calling them every day since the XXXX of XXXX at XXXX, and all I hear is a recording that their offices are closed. Am I a victim of a scam or something nefarious?
Consumer complaint received 2024-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (AR)

In XXXX of XXXX, I reentered into payments with Nelnet and was paying under the XXXX plan per their billing statements. I made every payment timely and my interest, per the statements, was decreasing by {$3.00} per month ( verifiable by Nelnet 's billing statements covering XXXX ). 
In late XX/XX/XXXX I was sent a notice to recertify for my payment plan for the new period set to start in XXXX. I completed this process twice in late XXXX ( the second time was because Nelnet was sending me letters stating they need my checks to process a deferment -- I never requested XXXX and spoke to Nelnet who said I must have completed my recert wrong so I needed to do it again ). Nelnet then took it upon themselves to repeatedly put me into forbearance causing loan interest accrual of approx. {$900.00} NOT covered by the XXXX plan AND the inability to make PSLF qualifying payments for XXXX, XXXX, and XXXX. I spoke to Nelnet several times regarding this and they refuse to adjust for any hardships placed on me via their actions completed without my consent. 
I spoke to a Nelnet Ombudsman today ( XX/XX/XXXX ) who reported to me that all the above is proper way to handle recertifications in early XXXX per the department of DOE. I called the DOE to confirm ( as this sounds ludicrous ) but was unable to get through. 
I have a trove of digital evidence to confirm not only the above, but I wide verity of examples of Nelnet and the DOE ignoring my pleas for help, sending me multiple requests for information they are not entitled to, and so much more. Please, if you require ANYTHING from me to verify my statements, I will be happy to provide such items. 

Of note : The uploaded statements reflect payments made during the months in question and while in forbearance. The last payment I made is {$20.00} on XX/XX/XXXX to be applied to my XXXX bill. The other payments were " made '' by Nelnet taking it upon themselves to apply my continuous {$4.00} overpayments to these months rather than the month I paid them -- again without my consent. I wanted to pay every month to make qualifying PSLF payments.
Consumer complaint received 2023-06-16
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: EQUIFAX, 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.

The letters are stated with items and issues.

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 2023-03-09
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/XXXX I called express asking that my husband XXXX XXXX be removed as authorized buyer and a letter stating that he was removed. I was informed do to a XXXX ongoing system error removing my husband wasn't possible. On XX/XX/XXXX or XXXX a Sr supervisor was finally able to remove my husband XXXX as authorized buyer and I again requested a letter stating specifically that " XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' I informed customer care that the letter must state his name specifically so our lender could take it to credit Bureau so we may get our mortgage loan. I have called 18 times since XX/XX/XXXX and spent more than XXXX on the phone trying to resolve this issue. I have even sent messages through express app and I still don't have the letter I need. Comenity has gone as far as to open a dispute claim I didn't request when I told them I would go public with everything they have put me through including when they refused to take XXXX payments ( back in XXXX and XXXX ) so I would be charged late fees. The payment refusal issue had been resolved back on in XXXX XXXX. Something I have since learned from reading reviews is common practice. Comenity.net 's refusal to issue this letter could leave our family homeless as our mortgage won't clear without this specific letter. When calling and asking for this letter comenity sends me a template letter that only says " authorized buyer has been removed '' and I have told them their template letter isn't enough. Now they are trying to drag this out 90days with a dispute claim I didn't ask for. I have received 3 letters all saying " authorized buyer '' has been removed but the letter needs to state " To whom it may concern ; XXXX XXXX XXXX has been removed as authorized buyer from account/card ending in XXXX '' on express letter head. Why they aren't doing this is beyond my understanding my lender says this is standard practice and shouldn't have taken any longer than 72hrz. Can you please help use get this cleared up so we can get our mortgage loan. Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-12-27
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

My XXXX passed away in XXXX. I am currently very XXXX and in a XXXX facility, with XXXX issues. My daughter XXXX XXXX has full power of attorney. This has been sent to Chase multiple times, including an original being brought to the XXXX branch months ago, and copies being uploaded through my account portal. 

Yesterday I tried to pay my XXXX via XXXX. My account was " frozen. '' I've been trying to unfreeze it with my daughter. No one at Chase will accept the power of attorney. I am told the only way I can " unfreeze '' it is to get a code to my cel phone -- I have never had a cel phone -- or go in person to a branch -- I'm XXXX and can not leave my facility. THAT'S WHY MY DAUGHTER HAS POWER OF ATTORNEY. 

I gave the person on the phone my date of birth, social security number, a picture of my driver 's license, my address, and so on. But I still can't pay my XXXX home bill -- Chase is holding my money until I go in person. 

I feel that this is a violation of the Americans with XXXX act. I would like Chase to reach out TO MY DAUGHTER as soon as possible. The XXXX  of the horrible person on the phone today has upset me too much. I understand you have to verify things, but I spent weeks getting all of my proxies and powers of attorney in place so I would not have to deal with these things, but Chase has decided to live by their own rules.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (MN)

I opened a US Bank XXXX XXXX account with promotion XXXX, which states as long as I deposit {$3000.00} of new money into the account, keep in the account until 60 days after account opening ( XX/XX/XXXX Opening ). As the attachments show, I opened the account on XX/XX/XXXX and deposited {$200.00} via credit card upon account opening ( new money ). I then transferred over {$2800.00} from my XXXX checking account. This totaled over {$3000.00} new money. I kept the money in the account until XX/XX/XXXX, which was well over the 60 days ( XX/XX/XXXX ). I called US Bank on XXXX, where I was told I would get the bonus within 10 days. I waited until XX/XX/XXXX and contacted again as 10 days had passed. I was told a case would be opened. This case has been opened since XX/XX/XXXX, or 19 days ago ( XX/XX/XXXX ). I met all the requirements, made multiple attempts to contact US Bank and no results. 

Furthermore, created the first CFPB claim on XX/XX/XXXX and US Bank states this will not offer the credit because I didn't register through their business login. As I shared with them I already had a personal login where the account showed up and wasn't told that I needed nor how to create a new business login for the account. I met all the financial requirements, but due to this poorly labeled requirement I was told I would not get the bonus. This is a mere technicality. I reached out to the person who responded to the complaint and she never got back to me. 

Therefore I am submitted another claim for the {$500.00} US Bank should be providing. I ask that they honor the bonus and allow this XXXX exception to a technicality that isnt very clear. 

Thank you
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (VA)

Elan Financial Services is another creditor reporting inaccurate credit information. I had a scam against my credit card which put me over my limit. I paid the credit card bill as normal not knowing the creditor had increased my payment to cover the over the limit fee. The creditor accepted the payment for two months without notifying me what had happened. The money was recovered, but I was still held to not paying the over the limit even though I continued to make my monthly payments. I had never been past due before. I really feel I was treated unfairly. This was during Covid, and I realized many companies were understaffed. However, I dont think I should have this report against my credit without even notifying me until two months later. I have disputed the matter a couple of times, but I did not receive a response. The creditor put me in hardship per my request, and I continued to make payment less than I was making prior to this. However, they kept reporting that I was not making payment even though I was making the payment and they were accepting the payments. I also thought I read that a dispute response is supposed to be in writing. This account has been closed by creditior and I would like to OPT OUT of it being reported on my credit report. ( Please see attachment bottom of second page )
Consumer complaint received 2022-12-12
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: ALLY FINANCIAL INC. (TX)

I was leasing a XXXX in 2020. We returned the XXXX on XX/XX/XXXX, ahead of our deadline of XX/XX/XXXX. Later, we received notification in the mail from Ally Financial of late fees assessed against us for late return of the XXXX. On XX/XX/XXXX, I spoke on the phone with an Ally representative and explained that they wrongfully assessed late fees, and they explained I needed to provide proof. I provided proof via email the same day on XX/XX/XXXX and received no response. I followed up again on XX/XX/XXXX and again on XX/XX/XXXX with proof of our having returned the jeep on time, and received no answer from Ally. Eventually, I was contacted by debt collectors and my credit score suffered from derogatory marks ( Date unknown ). My husband spent hours on the phone with Ally financial on XX/XX/XXXX trying to get this issue resolved, and they said to call back later to follow up on this issue, but they would remove the charges and have this resolved. Later, my husband followed up and I found out that they had cancelled the outstanding balance but failed to go back and correct the historically inaccurate information which is still negatively affecting my credit score. I had warned them if this issue was not resolved I would be filing a complaint with the CFPB. I have already spent hours on the phone getting transferred from Ally rep to Ally rep and would prefer to avoid suffering through that process again.
Consumer complaint received 2015-11-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (CA)

Ive received my XXXX communication from Credence Resource Management LLC for an XXXX debt that is not mine. The person owing the debt is someone with the same name as my maiden name, which I havent used in 30 years. I contacted the hospital and ambulance company and found out the person they transported was at a XXXX in XXXX, Ca ( where I 've never stayed ), and they were the ones that were kind enough to tell me the XXXX XXXX that was picked up in an ambulance, showed ID saying she was from XXXX, XXXX. so this is why I believe the person the collection company is after lives in XXXX, and I even gave them an address I found online. The Collection company sent another letter and I again called and they promised they had now erased my contact address from their files and Id receive no further communications ( XXXX/XXXX/15 ). Yesterday I recd another communication! I have superb credit and full medical coverage as Im a State of California Finance Officer. I want this company to remove my miaden name and address from their files and stop trying to collect from me.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

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 USC1681. 
XXXX Account number XXXX has violated my rights to privacy and confidentiality 15 U.S.C. 1681 Section 602 A States I have rights to privacy.

15 U.S.C. 1681section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Wellsfargo branch in XXXX, CA, around XXXX  open new account in my name without my permission. After I told the customer service i do not need to open another account, they insisted to keep my new account open. I left of the Wellsfargo bank, believed they closed my account, but they didn't. After I went back to the branch many times, finely they closed my account.