davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Servion, Inc. (MN)

XX/XX/XXXX : Online account that I was told was fixed so I could make payments was not fixed. So even after they said they addressed it, the next month it did not allow me to make a payment and they had to fix it again. 

XXXX XXXX : Had to e-mail again because auto payments did not come out. They stated that they reformatted their website and auto payments wouldn't work until you set up a new account. ( my mail from Servion is always severely late as well ). 

XX/XX/XXXX : Another auto payment did not work. They said not sufficient funds. Gave me a fee ( which they wiped ). But I showed them my account that had well over the amounts needed. 

XXXX Tried to make an online payment since the auto payment didn't go through. It said I can no longer do that. That I have to pay through certified funds only. 

Even after all this on my account online it still shows as my payment is scheduled for XX/XX/XXXX. I am attaching that which I just viewed XXXX at XXXX after already talking to them. 

There is far more situations like this but those were over phone calls. So these were just the dates I could pull up based on the e-mails I had.
Consumer complaint received 2023-01-05
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$4300.00}
Consumer complaint received 2023-01-05
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. (KY)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXXXXXX 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 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the paperwork? Several of the mentioned accounts contain inaccuracies, causing me distress.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 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 any purpose.
Consumer complaint received 2023-05-11
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. (TX)

IN accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a right to privacy.

15 U.S.C. 1681 section 604 Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-10
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC (CA)

cammed on XXXX/Zelle Within the Banking Institution as a Third-Party App I have tried to dispute the transaction and reported a financial crime but the money was not returned. I was scammed out of {$900.00} when the recipient added an extra XXXX to the transaction ( {$1000.00} instead of {$100.00} ). They used my phone to add the email address and by the time I noticed it the next morning, it was too late and they stopped returning my calls and texts. 

" Weve completed our investigation and determined an error didnt occur for the following reason : XXXX XXXX XXXXXXXX XXXX  has confirmed that the funds were sent and applied to the account that was registered to the email entered at the time of the transfer. The recipient received the credit on XX/XX/2023. 

The external bank has denied our request for a return. '' https : //www.consumerfinance.gov/about-us/newsroom/cfpb-report-identifies-issues-with-increased-servicemember-use-of-digital-payment-apps/ " If you send money to an email address or U.S. mobile number for someone other than your intended recipient and the wrong recipient isn't willing to send the money back to you, call us at XXXX ( XXXX ). There's no guarantee that we'll be able to get the money back if it has been sent to the wrong recipient due to member error, such as a keystroke error or typo. '' Problem : Zelle {$1000.00} Transaction ( {$900.00} Stolen )
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Verified Dispute under the Fair Credit Reporting Act Dear TransUnion, I am writing to formally dispute the accuracy of information on my credit report, as verified by TransUnion , in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611. I request that you conduct a thorough investigation into the matter and provide me with a detailed response as soon as possible. 
Public Record Account Information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX BANKRUPTCY XXXX XX/XX/XXXX. 
Nature of Dispute : On XX/XX/XXXX, I submitted a dispute regarding the public record on my credit report. Under the FCRA, you are required to investigate and verify the accuracy of the information within 30 days. However, I have reason to believe that the verification was not conducted within the specified time frame, as outlined in Section 611 ( a ) ( 1 ) ( A ) of the FCRA and the public recorded must be deleted.

I am seeking clarification on the verification process and request that you provide documentation demonstrating compliance with the statutory time limit. Additionally, please provide all information that was verified during this process.

I am aware that the FCRA requires you to investigate disputes in a timely and thorough manner. Failure to comply with these provisions may result in legal consequences, including the removal of inaccurate information from my credit report.

I expect your prompt attention to this matter, and I kindly request that you provide a written response within 30 days of receiving this letter, as required by law. 
Thank you for your prompt attention to this matter. I look forward to a resolution that ensures the accuracy and integrity of my credit report. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (NY)

US department of education claims I owe them {$3400.00} in student loan funding. I never received any money from the loan services or current loan servicer called NelNet. This is not a debt because I never received any money for school from US dept of education and they have no proof that I received student loan funds. Everytime I ask the student loan servicer for proof they can not give it to me. This is a clear SCAM and I want it removed from my XXXX, XXXX, and XXXX. IMMEDIATELY! I can not take out loans or pay other IMPORTANT expenses because of this. If this is not removed I will have to take proper legal action.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

Dear Sir/Madam, I was trying to send fund from USBank {$2500.00} via XXXX normally using Online banking and smartphone app. However, suddenly my whole online banking account was locked that I can not access it at all, unable to move funds or even check balance. 

I called the bank and verified my self, but the bank refused to unlock it immediately. The bank said it triggered for a technical review, it will take 2-3 days and unlock automatically, but even I verified myself, they will not unlock it. The bank refused to explain how it happen and how to prevent it, despite it happened two times continuously. 

I am very confused that locking my account without a good reason for a unreasonable long time and refuse to unlock it even I verified myself is a big affect to my life. 

Would you please let the bank to solve this problem? Thank you.
Consumer complaint received 2023-01-05
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00} ; XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$22000.00}.
Consumer complaint received 2019-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (NC)

I have applied for modification two times within a year. The company keep denying the application by telling me " I did not include or send in some required documents or it didn't received the documents verifying reason for falling behind on payments '' and/or " the documents I sent is unreadable. '' In short the company concluded, " I did not provide the documents required to evaluate me for MORTGAGE assistance program. '' To the best of my knowledge I sent my bank accounts statements, income pay stubs for the household and written statements to explain the reasons for falling behind on the mortgage payments. I do have copies of the application and everything I sent to company. I am concern now that the company is discriminating against me because I am a minority XXXX American family. Even the company have recently referred my MORTGAGE account to an attorney for foreclose.
Consumer complaint received 2023-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc. (OR)

XXXX XXXX was the victim of identity theft and enlisted XXXX to resolve his ID Theft. I started working his case on XX/XX/XXXX. I sent out an initial dispute to Upstart on XX/XX/XXXX that included all the necessary documents under the FCRA to confirm the account as fraudulent including ID Theft affidavit, police report, copy of ID, SSN card, proof of address, power of attorney allowing Upstart to speak with me regarding the fraud, and a cover letter requesting the loan be confirmed as fraudulent and removed from all credit reports and records. I spoke with XXXX from Upstart on XX/XX/XXXX who stated they needed a copy of the police report to confirm the fraud. I mailed all documents including a copy of the police report to Upstart again on XX/XX/XXXX. I spoke with a supervisor XXXX with Upstart so said they would put in a request to call me back regarding the fraud. I never heard back from Upstart. I mailed a new dispute to Upstart on XX/XX/XXXX and XX/XX/XXXX. I have not been able to speak with anyone regarding the fraud as now Upstart is claiming they can't do anything without speaking to XXXX even though I advised them that they have the power of attorney allowing them to speak with me as well as their company has already spoken to me regarding the fraud on multiple occasions. I advised I would be filing a CFPB complaint to have the loan confirmed as fraud and removed from all credit reports.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

Hello CFPB team, I opened my Citi bank account ( account number : XXXX ) in branch using the {$2000.00} special offer ( XXXX ). I met the conditions for {$500.00} tier bonus outlined below but am yet to receive the bonus. 

Account Opened in branch : XX/XX/2023 Deposited more than XXXX by XX/XX/2023 Maintained the amount till XX/XX/2023 I contacted the company about the missing bonus and they mentioned that I didnt meet one of the term attached to the bonus ( Citi Response 1 ). The term they are referring to is New-to-Citibank customers. They refer to the fact that I tried to open an account in XX/XX/2023. I agree with them that I submitted my application to open the Citibank account ( XX/XX/2023 ). However, in response to my application I received the attached letter ( Citibank - Denial of account opening ) which clearly indicates " We have completed our review of your account application and regret that an account can not be opened for you at this time ... ''. In addition, I received the check of {$25.00} which was the initial opening deposit that I submitted with my application. 

This letter confirms that Citibank denied my account opening application in XX/XX/2023 and therefore I didnt violate the terms and conditions of the bonus in XX/XX/2023. And I confirmed that with the Citibank branch representative. Before opening the account at the branch, I actually asked the Citibank representative who opened the account : would my previous application of XX/XX/2023 make me ineligible? They suggested that the attached response letter from Citibank suggests that Citibank was not able to open the account so I should be safe with terms and conditions. This was confirmed by the colleague ( another Citibank employee in the branch ) who assisted the employee opening the account.

I contacted CitiBank again citing 1 ) their own letter and 2 ) confirmation by their own employee that I met the terms and conditions of the bonus. However, to this request, their only response was that their decision remains unchanged ( attached letter Citi Response 2 ).

I would like Citibank to kindly review my case and post the promised bonus to my account as per the terms and conditions Kind Regards,
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

I received a debit card in the mail from Chime ( using XXXX XXXX, XXXX. ) which I did not request or sign up for. I called the phone number listed online ( not on the information received in the mail ), demanded the account be cancelled and ensure I would not be held accountable for any activity regarding this account. I'm now taking the time to file my report with the FTC, and Consumer Protection Bureau and review my credit reports at all bureaus. Thank you very much in advance for your support regarding this matter.
Consumer complaint received 2019-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (MA)

I requested a credit balance check in the month of XX/XX/XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, XXXX. I shared my frustration with this action as I would have never requested this option. I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XX/XX/XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. I hope this issue is resolved. I've contacted US Bank over 10 times with no significant help. 

I have already contacted XXXX and the third party biller XXXX. They have no idea how to use the tracking number you provided. I have contacted them three times already. I find this very frustrating as I have no idea what to do and US Bank is not taking responsibility for this. I am asking US Bank to contact whoever they sent the money back to and get the information I can use to get my money. Please help me! It's been over 6 months!
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XXXX i filed complaint with CFPB after XXXX refused to update my consumer reports in compliance with 15 USC 1681a. On XX/XX/27 XXXX updated the accounts by furnishing more congressionally declared EXCLUDED information ; information solely as to transactions or experiences between the consumer and the person making the report, on my report. Thus failing to conduct a thorough investigation of dispute and in clear violation of the Code of Federal Regulations. There are several infractions on my consumer report that still need to be removed.