davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-14
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : DEPTEDXXXX-XXXX  //LATE open - Balance {$900.00} -Date Opened : XX/XX/XXXX XXXX //LATE open - Balance {$770.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$3500.00} -Date Opened : XX/XX/XXXX DEPTEDXXXX-XXXX  //LATE open - Balance {$6500.00} -Date Opened : XX/XX/XXXX
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I checked my credit report from XXXX and from XXXX and I noticed, hard inquiries on my credit report that I do not recognize nor did I ever authorize. I immediately called the companies who the hard inquiries were made with and they told me that I needed to speak with XXXX and XXXX directly. 
I then contacted XXXX and XXXX and they told me that I needed to speak directly with the companies again to remove.
Consumer complaint received 2021-03-15
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I recently was notified by XXXX XXXX that i got hit with a hard inquiry from walmart/capital one i never applied or authorized anyone to do this. I would like this removed off my credit report. It was fraudulent activity to best of my knowledge. I have no knowledge of it. I never went into there store. They are saying XX/XX/XXXX. That is inaccurate have not even been inside a walmart since covid.
Consumer complaint received 2020-04-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 ; I contacted Equifax to attempt to dispute my credit score suddenly dropping due to me paying off my credit cards. I had to purchase a credit report for {$15.00} to discuss why the sudden change to my score. The agent was unable to explain why my score decreased by 10 points. After about 45 minutes of holding I was transferred to another agent who attempted to assist me and after asking me 10-20 different questions about my profile he proceeded to tell me he could not access my profile. The previous agent was able to access my profile and see my credit report, the escalated team could not. What's puzzling is I was able to pay to see my credit report, but couldn't access my report due to their unclear security questions. I was then transferred to a supervisor who also could not access my account or answer my question as to why my score dropped. It almost appears as if they were trained to avoid the customer 's request for any information. 

Their security feature is flawed and those questions are not set by the consumer therefore its almost impossible to answer them all correctly. The simple response of its " for the protection and security of my account '' is false due to the fact Equifax accepted my payment for my profile which the first agent was able to access. Then when I began asking questions about my credit score they could no longer answer my questions. These actions appear to be very deceptive to deny a consumer the right to dispute incorrect information. 

My chief complaint is regarding my credit score dropping which appears to be a common theme among the 3 credit bureaus and Equifax is no different. I'm also requesting that on my not be inaccessible to me particularity when I am paying for their service! 

I am requesting my credit score points of 12+ points be returned to my credit score as I should not be penalized for paying off debt. This also contradicts the information on their website that maintaining a low credit usage helps improve your credit score. This is false advertising and misleading. 

I have attached a list of other consumers who have complained about this false and misleading information. 

I was on the phone with the agent for almost two hours with no resolution. I'm hoping
Consumer complaint received 2021-03-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Draining money out of Landlord -Tenant Escrow Account Dear sir/madam I have an escrow account opened in XXXX for $ XXXX for rent security deposit of my tenant, XXXX XXXX. ( See W-9 provided to bank & all statement show XXXX XXXX XXXX as tenant ) He has vacated my property and I need to cancel the escrow account. I went into Branch on Saturday XX/XX/XXXX, I was told money is draining out of my account as fees. I asked how come Escrow account loose money, it should rather gain interest. I waited for call from branch no call came and went branch with letter. I was told that there was monthly fee being charged of XXXX per month and more than {$300.00} were gone. 
I have been to branch twice since then ; This account was incorrectly opened by the staff as checking account, even though I have asked for Escrow account & provided W-9. I had 4 similar Escrow accounts which were opened correctly as saving accounts by branch staff and I had no issues closing them after my tenants vacated got full money with interest. 
I am getting blamed for not reading monthly statements and visiting branch on time to get it fixed and coming after 5 years. 
Little background on this account, back in XX/XX/XXXX I accidently found money is draining from this escrow account, I went to branch they fixed by making it total XXXX however then also they didnt change to Saving escrow they left it as checking account. ( see XX/XX/XXXX statement attached ) I never thought Escrow account would drain my money out in fees. So never looked up the statements again since XX/XX/XXXX. When I went to close on XX/XX/XXXX I was shocked. 
Manager asked me of proof of Lease and lease renewals which I emailed, and I will forward to you too. 
When manager said he didnt get emails, I showed the lease and renewals in my phone too. Manager offered $ XXXX fee credit to me as if it was my mistake of opening an escrow as checking account. 
This I feel is lack of training and lack oversite on staff who are opening Escrow accounts as checking. I am not sure how many other escrow accounts are opened as checking accounts and fees being collected on them. 
So, I request to fix the issue and refund my escrow account money total of XXXX/- ASAP. 
I am coping this email to CFPB ( Consumer finance protection bureau ) to get this resolved and investigate how many other Escrow accounts are being charged with fees. 
Thanks XXXX XXXX
Consumer complaint received 2019-10-02
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. (GA)

After reviewing my reports. I noticed several accounts fradulent on my credit report. I have contacted all companies listed on my FTC report and they still fail to remove these fradulent accounts off. Please delete these accounts immediately.
Consumer complaint received 2020-03-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Massachusetts Educational Financing Authority (MA)

I am currently unemployed and do not qualify for unemployment benefits. I have explained this to XXXX   multiple times and they simply state they can not help me and that my loan with default in 180 days as i have exhausted all my possible benefits such as their MPT program. I made timely payments when employed. Now that I am unemployed they want to increase my monthly payments from {$730.00} to $ XXXX  monthly.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX BALANCE {$2200.00} XXXX XXXX XXXX BALANCE {$24000.00} XXXX XXXX Balance {$1500.00} XXXX  XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Consumer complaint received 2020-04-09
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. (NY)

To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.
Consumer complaint received 2020-04-09
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. (NY)

To Whom It May Concern, I am Looking at my credit report on XX/XX/2020 I noticed an Inaccurate Hard Inquiry from XXXX. I Called them up to see if they can validate. They couldn't verify any new Inquiry or any new requests or provide any type of documentation. I know Recently with XXXX XXXX I had some soft pulls with there website. I asked there customer service If maybe that caused it by mistake. They assured me not the case. The Customer Representative had told me they will try to remove this from my credit report as soon as possible but they are very packed up due to corona virus. I said I would dispute it on here since I never authorized anything and Is fraud In my opinion.
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I called Capital One to ask them what do they do to help people in the Covid 19 crisis which they state on their website and they informed me that they are postponing payments a month and there will not be any fees or interest charges if I choose to request that. I did and my date of next payment was supposed to be XX/XX/XXXX. The rep cleared my autopay and said this was the only way to be able to request that one month grace period they offered. I logged in to my account and saw I was charged a fee for not paying on time. And this was when they told me they are taking care of this. So much for helping people during this crisis- they are in fact shamelessly charging them more. I knew when someone says they are doing something it`s not to be trusted. Well, the one thign he did though was to cancel my autopay, but how come he did not follow through and do the whole thing he said he will. I would not have put myself in a position to owe anymore to them if I knew he will trick me into this. I request this fee to be reimbursed.
Consumer complaint received 2021-10-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent TRANSUNION a cease and desist ( LETTER ATTACHED ) for inaccurate late payment of my XXXX  XXXX account they were reporting. 
They deleted the item and sent me the results ( they removed it on XX/XX/2021 ( RESULTS ATTACHED ) Today XX/XX/2021 Transunion reported the same negative late payment again. 
They late payment is reported XX/XX/2021. Transunion is in default ( violation ) with my cease and desist LETTER I sent them. 

1. The following information is inaccurate. I would like it removed from my credit history report XXXX  XXXX Account Number : XXXX Please remove this Late Payment from my credit report. 

Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports.

( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave Transunion any written consent to report anything negative on my consumer report, No consent is Identity Theft. 
I demand an adjustment to remove the late payment ( s ) permanently ( meaning I don't want the same late payment to be reported in my consumer report.
Consumer complaint received 2021-10-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with MIDLAND FUNDING on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Consumer complaint received 2021-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I requested an official direct transfer of my IRA from SunTrust to my IRA at the credit union. This request clearly indicated transfer to be done on the day of maturity, since it was an IRA CD. SunTrust send a check payable to my IRA with credit union a few days before the maturity. My Credit union received and tried to deposit money to my IRA. However for some reason SunTrust withdrew the money back and my credit union was not able to clear the check from SunTrust. Now I don't know where my IRA money is. It is absolutely unacceptable, particularly with the IRA money. Manager from the SunTrust branch in XXXX, I went to for help, told me to wait for SunTrust to figure out how they will correct their mistake. I called SunTrust customer support several times and did not get any explanation of why the check was not cleared. 
I am very unhappy and don't know what to do next and I need help.
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIDELITY CAPITAL HOLDINGS, INC (MS)

i sent FIDELITY CAPITAL HOLDINGS , INC. DBA FIDELITY INFORMATION CORPORATION letters on XX/XX/2021 to their main office and corporate office about the alleged debts of {$50.00} and XXXX $ dollars that i dont owe.i sent them certified mail for my records and i have attached copies below of the letters that i sent. the information needs to be delete from my credit reports asap cause its causing me financial harm from achieving credit.
Consumer complaint received 2021-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My payments for my mortgage are sent electronically directly to NewRez from my account. Payment was sent and received successfully since the inception of the loan. 
The XXXX payment was sent and RECEIVED by NewRez on XX/XX/2021. But, they did not credit my account and are charging me a fee. I have called 3 times, each time the representative has told me something different. In only one of the calls was the representative even polite and she did attempt to help resolve the issue, but to no avail. My bank has sent proof of payment to the NewRez fax number, and still they are not crediting the account, but instead they are threatening to report the loan in default. Please help! What else can I do? They already have my money!
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Made purchase at Best Buy in XXXX for {$27.00}, never received a statement, went to Best Buy to inquire balance & pay, in XXXX unfortunately they were closed indefinitely due to COVID-19, i tried to navigate the computer system & was denied, .I called & was stuck in the phone system going around in circles, I finally received a statement from XX/XX/XXXX, that I received on XX/XX/XXXX, late of course, Best Buy / Citibank feels I should pay close to {$70.00} in late fees. Ive called several times explaining this & they are unwilling to accept my original payment due of {$27.00}. This is completely unfair
Consumer complaint received 2020-03-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (WA)

My Amazon Prime Store Card offers a 5 % cash back for purchases made in the prior billing cycle. After the latest billing cycle that closed on XX/XX/2020, I had earned {$46.00} in cash back, which I decided to apply as a statement credit on XX/XX/XXXX, I got a error message from the website ( https : //www.synchronycredit.com/ - the company is the issuer of the Amazon Prime Store Card ) saying my rewards balance couldn't be applied because of a technical error and to try again later. So I tried again a few minute later, and it appears the system had accept my request to apply the {$46.00} as a statement credit. 

However when I checked the account the next day, it had not been applied. 

So I called customer service ( XXXX ) XXXX ) on XX/XX/XXXX at XXXX and a representative said they acknowledged the issue and told me it would be take care of. 

The next day, it was not fixed, so I called again ( XX/XX/XXXX ) at XXXX and the representative told me they were sorry it wasn't fixed and they see the problem, and will take care of it, and it should be fixed by tomorrow. 

But again the issue was not resolved. So this time I reach out the Synchrony customer service team on XXXX. I was finally able to speak with a representative on their XXXX care team ( XX/XX/XXXX ). I explained the issue again, and she told me they would take care of it and she would follow up with me in a few days. I didn't hear back, I reached out again, and they told me they would call me in 24 hours. They didn't do so. 

Trying to resolve a simple mistake on their end shouldn't take multiple phone calls, and hours of my time to fix.
Consumer complaint received 2021-10-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.
Consumer complaint received 2021-03-15
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: Experian Information Solutions Inc. (FL)

nOTE IT IS IMPOSSIBLE TO REACH OUT TO ANY OF THESE CREDIT REPORTING GIANTS - PERIOD. nOTE ALL OF MY CREDITORS HAVE BEEN EITHER PAID IN FULL OR PAID AND THE REPORTING DOES not REFLECT THAT! once AGAIN WE ARE BEING FINANCIALLY HARMED BY INCORRECT REPORTING CAUSING SEVER FINANCIAL HARM AND YES HERE IN FLORIDA SEVERE elderly ABUSE!
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

In XXXX and XX/XX/XXXX a friend fraudulent used my card, when I notify Santander that I wanted to claim XXXX dollars as a fraud, the bank refused and claim the card was shared. I have and will always be denied t hiss as being untrue in the winter and spring of XXXX, I went into the consolidation of my debts. XXXX XXXX and I notified Santander of this fact and to negotiate a settlement. The bank did not try to settle but continued to run up the interest until the credit card was maxed out, another {$900.00}.