davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALTERRA GROUP, LLC (IL)

On XX/XX/XXXX the sellers of a home I made a offer on accepted and I was under contract. Closing should have been easy considering my credit score was above 700, I made over six figures and the loan on this property was only XXXX. What I didn't know is that the lender I was working with left Alterra and no one took over my file. The file collected dust for almost 3 weeks. That is what someone from Alterra admitted to me. the lender asked to file, in total, 4 extensions to push back the closing date with no explanation. I have already invested over 17k, with XXXX earnest, XXXX architecture fees and {$750.00} transfer stamps, appraisals and home inspection. Once someone started working on the loan there was no sense of urgency. I had a hard time getting a hold of anyone working at Alterra and the lack of professionalism was unbelievable. I am a real estate investor and will never use them again!
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 
Idid not receive any benefit, money, goods or services sa aresult of hte events described ni this report.

I do NOT know who used my information or identification documents ot get money, credit, loans, goods or services without my knowledge or authorization. 
Additional comments : Fraudulent charges occurred using Capital One bank account number ending XXXX XXXX. As aresult Ihad asubstantial theft occur ni the amount of {$5800.00}. I believe these transactions happened as a result of a lost cellular device having all of my personal and financial information on it. Since then, I've gotten a new device and have made a report for investigation through Capital One, I received no call back or email pertaining needing anymore information, a decision was made based on not having al the facts. Capital One should have seen the transactions and immediately taken measures to protect my account via email, text, or phone cal as other banks do when charges like that occur, especially without being abnormal charge and from a company that is overseas. 

Merchants that appear on Capital One bank statement : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-29
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. (GA)

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.
Consumer complaint received 2023-01-20
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. (IN)

I'm submitting this CFPB Complaint to you today in accordance with the FCRA 's rules to ask that the mentioned account, which I believe to be erroneous and incomplete, be looked into right away and updated on my credit report. Balance due : {$11000.00}. XXXX XXXX XXXX XXXX I think the information provided in this account is false. When it comes to the dates this account portrays, I don't think I was late. I always make my payments on time and have never been late because I keep track of them. Please check the account 's name, last activity date, and balance. This information appears to be inaccurate. Please conduct an investigation and amend this account to reflect legal accuracy.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MI)

I had an account starting back in 2006. I was constantly being charged fees, they would overdraft my account nearly weekly when I had money in it! They would charge me fees that would make me overdraft, then charge me more fees for overdrafting. It was atleast {$35.00} for every transaction. Plus some other {$5.00} fee. I had several charges that I had to dispute throughout the years and they would not cooperate to help me fix it, and would apply more and more fees. Wells Fargo ruined my credit for a decade. They didnt protect me or my finances as a customer. I finally walked away. They didnt honor my loan terms and I had similar issues with my credit cards. They have swindled thousands out of me. I was on the phone or in a branch weekly trying to resolve issues. It led extreme amounts of stress and I started having XXXX XXXX
Consumer complaint received 2019-09-09
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: ERC (CA)

I sent a debt validation letter certified to enhanced recovery company. They sent me a regular bill for {$100.00} which is not proof of validation. The bill also had an address I never lived at, heard of, seen before or been linked up to.
Consumer complaint received 2021-12-21
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. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the XXXX credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2021-12-21
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

I entered in a consumer credit transaction with CarMax on XX/XX/2017. Your company has been harassing me ever since that day, and at this point I am DEMANDING an end to this. Your company is in violation of SEVERAL laws which I have outlined on my letter that your home office received XXXX XXXX. Your company violates 15 USC 1605 which states that all charges must be included in the " finance charge '' in all consumer credit transactions. In addition, according to 15 USC 1662 down payments are illegal and subject to violation. 

18 U.S. Code 8 - Obligation or other security of the United States defined - I do not OWN this " alleged debt ''
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX XXXX XXXX  XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) and XXXX is XXXX a different name ( XXXX XXXX XXXX XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 
Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any require- ment imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2019-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: ALLY FINANCIAL INC. (MD)

On XX/XX/19 Requested Ally Bank the owner of my personal CD of {$120000.00} to be cashed and transferred to my bank account. As of XX/XX/19 XXXX my funds have not been transferred. I have called the bank at least once every day and talked to supervisors who just tell me to wait and give me no firm date or explanation of why my funds have not been transferred.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (LA)

On XX/XX/2022 I applied with Discover Bank to open an open-ended credit plan, extending myself credit. Discover discriminated against me 15 U.S.C 1691 ( a ) ( 3 ) ). It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter. 12 U.S.C 1431 states each XXXX XXXX XXXXXXXX XXXX  shall have powerto borrow and give security therefor and to pay interest thereon, to issue debentures, bonds and to do all things necessary for carrying out the provisions of this chapter and all things incident there to.The Office of Finance, as agent for the Banks, may issue consolidated XXXX XXXX XXXX XXXX debentures which shall be the joint and several obligations of all XXXX XXXX XXXXXXXX XXXX organized and existing under this chapter, in order to provide funds for any such bank or banks, and such debentures shall be issued upon such terms and conditions as such Office may prescribe. No such debentures shall be issued at any time if any of the assets of any XXXX XXXX XXXXXXXX XXXX are pledged to secure any debts or subject to any lien, and neither the Office of Finance nor any XXXX XXXX XXXX XXXX  shall have power to pledge any of the assets of any XXXX XXXX XXXX XXXX  or voluntarily to permit any lien to attach to the same while any of such debentures so issued are outstanding. If congress states the banks are to extend bonds and debentures but can not do so with its own assets then what is actually being extended to the consumer? The bank is not extending me it's assets, I am extending myself my own credit and Discover Bank is acting as a trustee in this fiduciary relationship. Discover has an obligation to do what is in the best interest of the beneficiary, and Discover Bank has willfully neglected to fulfill its obligations set in place by congress. If Discover Bank continues to discriminate against me, address me and speak to me with foul language,, legal proceedings will be enacted.
Consumer complaint received 2021-12-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This regional debt on my report, states charge off written off. I submitted proof that we paid XXXX the collection company for regional. And payed whole amount asking for and my information and letter stated so. I want this status as paid as agreed, for we did exactly that. And my dispute did nothing of the sort. Remained completely the same as far as I see!
Consumer complaint received 2021-12-21
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: Experian Information Solutions Inc. (AL)

XX/XX/2021 Certified Letter Sent to Bureau Proof of Identity Theft and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Notification and Demand for Response My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail XXXX, XXXX, XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts and FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2023-01-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The debt collector named XXXX XXXX XXXX XXXX or XXXX is harassing my mother and calling her about my debt that is fraud. They called her XXXX times and were rude to her too, demanding she tell them where I am and that I am there, but she is lying to protect me. My mother lives in XXXX XXXX  and I live in XXXX so there is no reason to call her several times about my situation. She is a senior citizen and causing her anxiety and stress!
Consumer complaint received 2021-12-21
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 (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The XXXX Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. ( CAPITAL ONE XXXX )
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account Name : XXXX XXXXXXXX : Account Number:XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX 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 2021-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unlimited Progress Corp (IL)

AFTER SUBMITTING A COMPLAINT TO THE CFBP CREDITORS DISCOUNT & AUDIT RESPONDED WITH PERSONALLY IDENTIFIABLE INFORMATION RELATING A CONSUMER THAT IS NOT ME. THE COMPANY SUBMITTED FALSE INFORMATION INCLUDING THE NAME, SOCIAL SECURITY NUMBER, MEDICAL INSURANCE NUMBER, DATE OF BIRTH AND TELEPHONE NUMBER BELONGING TO ANOTHER CONSUMER THAT IS NOT ME BUT ALLEGING TO SHOW PROOF OF AN ALLEGED DEBT. THE DELETION SHEET SUBMITTED BY THE CORPORATION ALSO CONTAINS ANOTHER FALSE SOCIAL SECURITY NUMBER THAT IS NOT MINE. I WILL BE FORWARDING THIS INFORMATION TO THE RIGHTFUL CONSUMER AND ADVISING THEM TO FILE A POLICE REPORT. I HOPE THE CFPB RIGHTFULLY INVESTIGATES THIS COMPANY BECAUSE IT IS GROSSLY VIOLATING CONSUMER PROTECTION LAWS INCLUDING HIPAA.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NJ)

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

Equifax mishandled my information, which puts me and millions of other people at risk. They did not notify me quickly enough for such a potentially harmful issue. 

I have put a freeze on my credit report but they sat on the information for so long I have no way of knowing if I was impacted yet or not.
Consumer complaint received 2019-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

Was told that interest would not ecru because I was not able to make payments due to unemployment from years XXXX to XXXX. Then because of other financial issues I was only able to make some payments. I asked about loan forgiveness and was repeatedly told if I was in a position that qualified, which I was, I would have to be in that position for a certain amount of years. I was told this several times. I was NEVER told that I had to make 90 straight payments. I went to school late in life and am now XXXX XXXX XXXX. I have also received penalties. When I argued over the last penalty fee, because it was totally unjustified, the woman told me not to worry about it. She said it goes on the back end of the loan and I didnt have to pay it until the end! I have asked about any help, programs reduction of the interest payments etc. Not only was I lied to, I can not find a way to pay this down! It has grown an extra 5,000! I am recently recovered from XXXX and dont know how I can pay this and my other debts. Surviving on my salary is hard enough, and taking on a second job is not an option because of my health. This company has repeatedly lied to me and I dont seem to have any recourse to fight them. I dont understand how they can do this and get away with it. I thought because it was a federal loan, it would be better than a loan from my local bank. I was so wrong. Is there anyone or any program that can help me?
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (WA)

I was XXXX  on my elderly mothers bank account with Wells Fargo . When she passed, XXXX, XXXX XXXX XXXX Manager said they were unable to locate the forms needed for POD. My mother 's account was frozen for 30 days. I was lied to. They had the forms all along.
Consumer complaint received 2022-12-04
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. (IN)

In accordance with the Fair Acting Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.