davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
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: Experian Information Solutions Inc. (NY)

XXXX illegal holding my funds for an unsecured credit card ending in XXXX under a so called right of offset which by law doesnt include credit cards. The credit card was supposed to be charged off back in XXXX, I went through a divorce in XXXX that was the caused of my financial hardship during this time I requested a XXXX and was advised to write a letter stating a payment plan and they wanted XXXX XXXX 80 % back than. and currently displaced homeless due to financial issues. I was in NC XXXX visiting my daughter when XXXX locked me out of my accounts without notice or warning and told me someone was going to get in contact me which no one reached out, I had to find a way to get back to NY and went straight to the credit union to see what the issue was, I was told to call R.C.S collection agency because they was in control of my accounts and when I called them they said they dont have any record of my account. I recently received a phone call from a law office of XXXX XXXX XXXX XXXX, XX/XX/XXXX. I requested information about a judgment or what rights do this credit union have to hold my money in account with allowing me to withdraw draw but I can deposit. I was never notified of the last payment made in the date was the account closed and charged off, and who the account actually belongs too. XXXX XXXX XXXX settled on XXXX XX/XX/XXXX and still reporting {$15000.00} as if it is still an active debt and updating as if the credit card as if its active revolving the dates and month on the credit report doesn't have a correct dates on it which is Manipulating the Statue of Limitations and the account is time barred In accordance with the Fair Credit Reporting Act convergent accounts, XXXX XXXX account # XXXX, also account XXXX has violated my rights 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 also state a consumer reporting agency can not furnish a/an account without my written instructions.

ccordance with section 611 ( e ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C.

1681i ( e ), which was added to the FCRA by section 313 of the Fair and Accurate Credit Transactions Act of 2003 ( " FACT Act '' ).! The Commission is the federal agency with primary responsibility for compliance with the FCRA and operates a system for receiving complaints from consumers about possible violations of the FCRA. 
The information on the credit reports are incorrect and the amount can not and will not reflect the true, creating unnecessary hardship Please delete these accounts immediately.
Consumer complaint received 2022-11-05
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. (IL)

I contacted XXXX, XXXX and experian and they did not varify any of my disputes and my inquiries when I told them on XX/XX/2022 that I didnt authorize any of those inquiries it was fraud. And the disputes I have no knowledge they didnt send proof that anything was valid not even from the creditors.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

The U.S Department of Education is posting 5 charge offs on my consumer report. I want them blocked and removed. I am not benefiting from these accts. If the accounts have been charged off by the government, this means the U.S Department of Education has already received their recompense for the charges and they no longer need to be listed on my consumer report. Also in addition to these charge offs being reported, The U.S Department of Education is also reporting and still saying I owe them this money. Block and remove all accounts from the U.S. Department of Education which are reporting on my consumer report.

U.S. Department of Education - Acct Ending in # XXXX U.S. Department of Education - Accts Ending in # XXXX U.S. Department of Education - Acct # XXXX
Consumer complaint received 2016-12-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

I was Told Buy Iberia Bank To provide Information From XXXX to verify that previous Matter Have been resolve and nothing negative to report did so in a respectful manner they made spend my hard earn money faxing over them the documents from XXXX .After they information was receive they told me they will not open my account because of fraud or anything negative from other banks its because I have to many inquiries and the account sales man said I quote " I do n't feel comfortable opening accounts " I said why he said to many inquires and I 'm just not going open them I said you made me spend my money faxing you XXXX documents and your not going to open them he said no sorry about that so bye '' Wow '' So this your customer service department Iberia Bank you can let your employees determine the judgment and discrimination base on their own agenda after I qualified for A bank Account?
Consumer complaint received 2020-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: DISCOVER BANK (NC)

I had raised a CFPB complaint for final disclosure documents, complain id : XXXX. I was only offered partial documents at the time. There were 3 loans that needed the final disclosure documents and only 2 were provided. I need the 3rd document. I have been waiting for over a year now for the third document but still have not received it.
Consumer complaint received 2021-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I purchased XXXX XXXX XXXX from an online retailer named XXXX payment made to XXXX XXXX on XX/XX/XXXX for {$170.00}. The coins I received were counterfeits. I emailed the company requesting a refund and they wouldn't respond. I then notified my credit card company, Capitol One, and they requested the item description, invoice and company return policy. I sent this information to Capitol One. They gave me a credit on XX/XX/XXXX for the disputed amount, but on XX/XX/XXXX they charged the amount back to my account. I was told they needed more information. They suggested I have the coins appraised by a coin expert. I paid to have done on XX/XX/XXXX and sent them a copy of the appraisal stating the coins were in fact counterfeit. As of XX/XX/XXXX they have not given me credit for them. 
I have attached copies of payment recipe showing amount paid including description, email request for a return refund ( was never answered ) and appraisal from coin experts verifying coins as fake Thanks, XXXX
Consumer complaint received 2024-02-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

A previous complaint has been filed concerning the improper duplicated withdrawals of funds from my Savings Account, based upon a vacated XXXX by Order of the Court. The XXXX XXXX Department faxed a XXXX reversal request, yet Wells Fargo has the audacity to state that the XXXX is valid and that my complaint has been resolved. They have not taken reasonable steps to confirm the validity of the XXXX. They can not be allowed to illegally withdraw funds in defiance of a Court Order. Wells Fargo, the relevant departments, and staff must all be held accountable and be held to the highest degree of integrity. They still owe me money and I demand that it be retuned to my account without further delay.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

all ftc violations reported : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX twice $ XXXX {$1000.00}
Consumer complaint received 2024-02-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NJ)

My husband died in XXXX, and took out egregious loans with many student loan companies. XXXX XXXX transferred some of our loans to debt XXXX XXXX, with whom I fought tooth and nail with my attorney, but with whom we eventually settled in XXXX and paid them XXXX amounts for my twin sons. They destroyed our credit. 

In XX/XX/XXXX, I was informed that I never signed XXXX of the settlement letters, and was asked to do so. I could not open the link, despite repeated attempts. I called, I emailed, I begged Firstmark Services specifically XXXX XXXX to help me open the link so I could sign it. I tried and tried over many days, receiving no response. I have the email thread. 

Today I received a bill for XXXX because I was told I never signed the settlement letter, so I owe this interest. I was not allowed to speak to a XXXX. I am supposedly getting a call in the next couple of days, but the person on the phone does not hold much hope in getting the amount withdrawn. WHY???? Because I could not open the link. 

This is illegal, and I was hoping you could step in on my behalf.
Consumer complaint received 2022-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are many accounts reporting that does not belong to me. There are also inaccurate personal information that is reporting : Incorrect Name : XXXX ( Transunion ) Incorrect Name : XXXX XXXX XXXX XXXX  XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, TU,  XXXX ) Incorrect Address : XXXX XXXX  XXXX XXXX ( Transunion & XXXX  ) Incorrect Address : XXXX XXXX XXXX ( XXXX  XXXX The following accounts were a result of identity theft : Onemain Opened XX/XX/XXXX ( TU ) Opened XX/XX/XXXX XXXX XXXX  & XXXX  ) Bal : {$0.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$100.00} ( XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX Bal : {$620.00} ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is no longer in dispute. Please remove dispute status I did not not authorized the following inquiries on my credit file : XXXX ( 2 TIMES ) XXXX XXXX XXXX   XXXX XXXX 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 3 TIMES XXXX XXXX XXXX XXXX 3 TIMES XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (OH)

I have stated multiple times that Navin t is not to contact me by phone at any time, including specifically being told not to contact my employer. A representative from Navient contacted a member of HR at my work and threatened them to turn over personal financial information about me. The HR rep was scared from the threatening tone of the representative. After that incident, I immediately told Navient that they are not to contact me at work. Today I got several blocked caller ID number calls at work and a threatening voicemail on my personal work line.
Consumer complaint received 2022-09-25
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. (IL)

The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  XXXX put a collection on my account dating back to XXXX. Originally it said XXXX XXXX and it now says XXXX. I was not aware of this until XXXX when I checked my credit. I sent a request to the credit bureau TransUnion to verify the validity. On XX/XX/XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XX/XX/XXXX TransUnion sent a letter stating that they had completed the investigation and the items were not deleted, as requested. On XX/XX/XXXX I sent a 2nd request for method of verification to send me all documentation provided by agency with my signature verifying this account is mine. On XX/XX/XXXX they sent a letter saying I needed to verify with the collection agency myself. I contacted XXXX XXXX, XX/XX/XXXX and asked for validation of debt. XXXX XXXX, sent in response a collection notice. I followed up on XX/XX/XXXX with a Certified letter with proof of receipt asking for debt validation. In the letter I gave them 15 days to send this verification. As of this date I have received nothing from them. This is unacceptable!
Consumer complaint received 2020-09-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (NC)

I am currently in the process of trading in my vehicle and have my current auto loan with People 's United Bank N.A. For the past 3 weeks, I've called their customer service 6 times to request a payoff letter be sent to me. Each time I've gotten the same answer - that it would be sent to my email on file within 24 hours. Out of the many, many times I was told this, I only received one email and it was just a monthly loan statement, which does not include the payoff amount. Throughout these past three weeks, I spoke to two managers who allegedly " escalated the issue '' and yet, I have not been contacted with any new information on this issue and am constantly getting dismissed. As I am writing this explanation, I was just hung up on by a manager who was allegedly " escalating it to her supervisor ''. This bank is ridiculous and should be out of business. Not sure how it's so difficult to receive a payoff letter. I am very computer savvy and would be able to get this online, except it's not an option. Their website mentions " For information on how to make a payment or for payoff instructions, please visit our Help Center. '' When I visit the Help Center, there is not a single piece of information on payoff information. I will never do business with this bank again and hope no one else has to deal with such incompetence.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK (GA)

As of XX/XX/2020 company has reported a charge off as a bad debt, thus damaging my credit report. I previously reached out to company to inform them that I do not owe any debt and any attempt to collect a debt from me or damage my report would be fraudulent in nature and according to the FDCPA I am the consumer pursuant 15 USC 1692, and I do NOT owe any debt. According to the Truth In Lending Act ( TILA ) pursuant 15 USC 1602 ( l ) a " credit card '' is defined & the " social security card '' is validated as a " credit card '' I have never provided my social security number or card for any line of credit from this company, and even if I did, I am an administer agent pursuant 15 USC 1602 and upon the request of the Social Security Administration I am to immediately return the Social Security Card, therefore I do NOT owe any debt attached to the card pursuant 18 USC 8. This company has refused to validate any debt owed by investigating family, associates, and/or neighbors pursuant 15 USC 1681 ( a-e ).
Consumer complaint received 2020-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not received any confirmation on how you have verified the alleged accounts attached in my Exhibit of the credit report and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would proudly present in court if needed as supporting evidence of my trying to rectify the subterfuge that you are reporting
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/, I applied for a Gap MasterCard at the store located at XXXX XXXXXXXX XXXX XXXX NY XXXX. I used the card to purchase a XXXX XXXX XXXX XXXX which cost {$79.00}. However, with the credit card, I saved 20 %. I returned the dress on XXXX because I changed my mind. The cashier at the register accepted the dress back and issued me a Return Card with a value of {$79.00} which I never used. After the return, I received a Gap Good Rewards MasterCard Statement for the period XX/XX/ to XX/XX/ with a balance due of {$57.00}. The payment due date was XX/XX/. I do not understand what I am being billed for. I returned the item, never used the Return Card, and never used the Gap Good Rewards MasterCard. Since then, I have been receiving monthly statements for fees charged and interests. To date, the balance due is {$260.00}. I refuse to pay for an item that I returned. I do not understand the original balance on the credit card statement of {$57.00}, and how it has accrued interests over time. I do not want this credit card. I want the balance removed from the account, and I want the account closed. I have not used the card. I returned the dress at the same store where I purchased it. My balance should be {$0.00}. I believe Ive been scammed.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: One on One Mortgage loans, inc (FL)

To Whom It May Concern, Five months ago I made an application for a mortgage with a broker. Now broker is trying to make me pay more than I declared and I have on closing.

1 ) Even though I do not have sufficient funds in my bank account for down payment, ( My documents sum up to {$170.00} at the bank ) the broker managed to get an approval which I won't be able to pay for closing. ( {$190.00} is required ) Under normal conditions the loan should be declined due to insufficient funds.

2 ) On the loan pre approval process, broker did not request any documents except an " Employment Information '' ( Attached ) 3 ) Broker did not asked for my expenses so loan monthly payments were shaped based on my gross salary which I won't be able to pay if my net salary is taken into account. 

The house is intended to be bought is on construction and the construction company does not consider it even if this mortgage is approved based on wrong financial information. 
Construction company and lender is expecting me to pay the down payment which I never declared and does not exist. 
Also, I did not sign the mortgage documents and lender is threatening me to loose the deposit that was given to construction company. 

Thank you for your support.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I received a XX/XX/20 Bank of America Escrow Account Disclosure Statement giving me payment options. I issued a {$480.00} check for the escrow account shortfall which wasn't received on time of their required date. I've called several times including today to inquire where/how that extra money was applied to my account. Bank of  America doesn't answer their Customer Service Line XXXX phone number. I've stayed on hold waiting for a person an entire work day. They suggest going on line to get questions answered. I do not have an online account created. Their website doesn't allow for a new account unless you want to buy or refinance a house. They do not allow for general online questioning using the account number either. They have totally isolated themselves from communicating with the individual unless you are going to purchase their services. I still want my question answered.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ROBINHOOD MARKETS INC. (CA)

I transferred my Robinhood brokerage account that I had for 3 years to XXXX XXXX XXXX   account via ACATS brokerage transfer process. Robinhood sold some of my stocks to liquidate it and the account is in restricted mode. When I try to withdraw my settled money in the account ( more than {$1500.00} ) they throw your account is deactivated message. I reached out to Robinhood support on XX/XX/XXXX, XX/XX/XXXX more than 5 support messages but no response yet.