davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Applied for Capitol One Justice Credit Card. Received a denial letter stating reason was " legal action pending against applicant ''. It does not state with whom either. As far as I know I have no legal action pending against me.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I checked my checking account and I noticed that money was missing. I reported it to my bank as soon as I saw that the money was missing my bank told me that they can not refund me the funds. It is stolen money, and I am looking to reccoperate my funds as I was hacked.
Consumer complaint received 2022-07-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

Mortgage was current as of XX/XX/2022. 
On or about XX/XX/XXXX I received a notice of foreclosure. 
I immediately called and made a payment of XXXX which they negligently or willfully never posted after giving me the payment confirmation number. In addition I was charged a XXXX fee which violates the terms of the original mortgage agreement. I no way did I ever agree to this late fee. 
The agent at Shellpoint told me that I was 3 payments behind and that was the reason for the foreclosure Shellpoint knew or should have known that I was not behind on my mortgage payments. 
In doing so Shellpoint violated both Massachusetts and FCPRA. by posting the defaults on my credit report.
Consumer complaint received 2020-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

The following three credit agencies are reporting Two Bankruptices on my credit report that are in accurate, XXXX, Experian and XXXX   stated that a third party agency XXXX XXXX is reporting it. You can not verify through a third party, that is the fair credit law! I contacted XXXX XXXX, they removed the information that was reporting inaccurate but this is my Third time reporting to the credit bureaus and they REFUSE to remove it!! Its in violation to keep reporting inaccurate information on my credit report! Bankruptcy XX/XX/2016 # XXXX Bankruptcy XXXX XXXX # XXXX! I also have accounts that are inaccurate that are reporting XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-07-27
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. (CA)

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included these in my previous Complaint & I am including these again. 
XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX U S DEPT OF EDXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$7500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-05-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (PA)

ON WED XX/XX/XXXX MY HUSBAND AND I RECIEVED AN EMAIL FROM GM FINANCIAL FOR A BALANCE OF {$740.00} AND ANOTHER PMT THAT WOULD BE DUE XX/XX/XXXX BUT WE QUALIFIED FOR A DERFERMENT WHICH WOULD PUT TWO FULL PMTS AT THE END OF THE LOAN BUT NEEDED TO CONTACT THE OFFICE BY XXXX. ( THEIR LOCATED IN XXXX ) I REPLIED VIA EMAIL TO THE SENDER ( XXXX XXXX ) IF WE COULD PAY {$300.00} NEXT FRIDAY XX/XX/XXXX ON HUSBANDS NEXT PAY BUT WAS NO REPONSE OR CALL BACK FROM HER OR ANYONE. I THEN ATTEMPTED TO MAKE ARRANGEMENTS BUT MY HUSBAND HAD TO TAKE THE CHANCE OF BEING FIRED WHILE BEING ON HIS PHONE AT WORK TO CALL AND GIVE THEM PERMISSION TO DISCUSS THE ACCT WITH ME. WE HAD ALREADY SENT IN THE PROPER DOCUMENTATION REQUESTED BY GM TO BE AUTHORIZED TO SPEAK WITH ME BUT HIS HAS ALWAYS BEEN THE ISSUE EVERY TIME I'VE HAD TO CALL THEM. IN ORDER TO COMPLETE THE DEFERMENT MY HUSBAND AGAIN HAD TO BE SPOKEN WITH TO GET A PIN NUMBER TO AGREE TO THE PROCESS AND WE WERE TOLD IT WAS {$52.00} TO FINALIZE THE AGREEMENT SO I USED XXXX XXXX AND DEBIT CARD TO PAY A TOTAL OF {$60.00}. IT WAS AFTER THAT WE WERE TOLD THE REPO COMPANY COULD STILL COME OUT FOR THE VEHICLE BUT WE KEPT OUR FAITH THAT WE WOULD BE OK AND THINGS WOULD WORK OUT AND WE'D GET BACK ON TRACK. MY HUSBAND LEFT FOR WORK THIS MORNING AT XXXX AND AROUND XXXX SURE ENOUGH XXXX XXXX XXXX XXXX XXXX WAS LOADING UP THE TRUCK. THE DRIVER WAS FRIENDLY BUT WAS GIVEN ORDERS TO COME GET HE TRUCK SO ONLY DOING HIS JOB IT WAS GM WHO DIDNT GET THE DOCUMENTS TO THE REPO COMPANY TO SEIZE THE REPO IN TIME SO NOW THEY SAID THE DEFERMENT NO LONGER IS AVAILIBLE AND TO GET THE TRUCK BACK WE NEED TO PAY {$1400.00}. MY HUSBAND JUST STARTED WORKING 10 HOURS A DAY AND WE HAVE XXXX DAUGHTERS XXXX AND XXXX WHO I NOW HAVE NO TRANSPORTATION IN THE EVENT OF AN EMERGENCY ISSUE AS WELL AS I WAS DIAGNOESD WITH XXXX XXXX SO HAVE HAD TO SCHEDULE MY APPTS. WE ARE VERY DISATISFIED WITH THE TREATMENT WE HAVE RECIEVED FROM GM AND HURT A FINANCE COMPANY IS MORE THAN WILLING TO SHATTER LIVES RATHER THAN WORK WITH MORE COMPATION WITH PEOPLE WHO HAVE ROUGH TIMES FINANCIALLY.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2023-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Consumer Financial Protection Bureau, I am writing this complaint to dispute several fraudulent hard inquiries made by TransUnion on my credit report. These inquiries were made without my authorization or knowledge, and have negatively impacted my credit score. 

I have checked my credit report and noticed that there are several hard inquiries made by TransUnion that I did not initiate. 

The details of inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I understand that hard inquiries can negatively impact my credit score, and these unauthorized inquiries have done just that. I believe that these fraudulent inquiries were made with malicious intent and were not made by any legitimate creditor or lender. 

I request that the unauthorized hard inquiries made by TransUnion be immediately removed from my credit report. I also request that TransUnion conduct an investigation into how these fraudulent inquiries were made, and take appropriate actions to prevent this from happening in the future. 

I would appreciate it if you could take the necessary steps to rectify this situation and protect my credit score. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

The CRA 's have added fraud alerts and security to my credit report without my requesting it. This is a violation of FCRA regulations. I am providing my id info to verify my identity and as proof that I never requested these alerts ...
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (FL)

On XX/XX/23 I submitted complaint XXXX detailing incorrect information on my credit report : after transfer of loans from Nelnet to XXXX, Nelnet had not furnished updated student loan information to CRAs, thereby making my student loan debt appear double what it is. 

In response, Nelnet stated the information had not been furnished, given the transfer led the Department of Education to apply a suppression on my account. The final response from Nelnet further stated " When we receive direction from ED to remove the suppression we will furnish data reflecting that your account has a {$0.00} balance. '' The account balance continues to be incorrect on my credit report.
Consumer complaint received 2022-07-27
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. (PA)

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX XXXX : {$0.00}
Consumer complaint received 2018-05-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

I submitted a complaint earlier and after waiting over a month I got a response and talked with a XXXX XXXX XXXX and he informed me that Bayview screwed up the repayment plan. I was then told on the XX/XX/XXXX that they had put a response on the Vice Presidents desk who was out of the Country probably conducting more illegal business for Bayview and that a decision to waive a payment and bring the account current was going to be done. Then two days later I get a Notice of Default and Intent to Accelerate notice in the mail after XXXX told me that since Bayview screwed up the figures and breached the contract. Bayview is nothing more than a fraud and illegal business practice and maybe somebody at this company should advise the Government to overtake this loan company and get people in prison and correct the problems.
Consumer complaint received 2018-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America - Talked to two different locations and they could not help me out. 

Name : XXXX XXXX XXXX DoB : XX/XX/XXXX Phone : XXXX XX/XX/XXXX - fired from my job, given last paycheck. I deposit it in the ATM XXXX and endorse it as well ), and it comes up saying there will be a hold on my account until XX/XX/XXXX at XXXX EST. Ive deposited a paycheck just like this 4 months ago when I first got the job and everything has been direct deposit since. So they have a previous physical check deposit from me just like the one I deposited yesterday so i dont understand the hold and I dont understand why its for such a ridiculously long time ( 13 days! ). Thats a very hard situation for someone who has no future income as of right now. And of course theyll start charging me a monthly fee now since I no longer have direct deposit or make large enough deposits. Their lack of empathy for the lower class is appalling.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (OR)

I have five Blue Serve cards with American Express Serve. These cards have the option to load funds from a debit card or credit card on their website. I have previously used the option to fund via credit card without a problem, but I ran into issues when I linked my debit card to load funds. 

Earlier this month ( XXXX ) I received an e-mail that a scheduled load to one of my Serve cards was unsuccessful. I then discovered that I was unable to sign on to the Serve website for any of my five cards. It told me my password was incorrect, but I was certain that I was entering the right password. Attempting to reset my password online was unsuccessful - I kept getting strange error messages about the session timing out or " something went wrong, try again. '' I called a few days later and was told that the issue was not with my password, but that my accounts were all locked because they needed to verify my new debit card belonged to me, even though I had gone through the online verification process when I added the debit card. The rep stated that they needed to conference in my credit union to verify my information. After doing that, I was told all of my accounts were now unlocked. However, after getting off the phone, I found that only two of my five accounts had actually been unlocked. 

I called back the next day ( XX/XX/XXXX ) and the rep was able to unlock the other three accounts. However, when I attempted to load to one of my Serve cards from my debit card the next day ( XX/XX/XXXX ) I received an error message, and then found that all five of  my Serve accounts were locked out again. I called the following day ( XX/XX/XXXX ) and the rep was able to unlock my accounts again, but as soon as I tried to load from my debit card, they were all locked out again. 

As of today ( XX/XX/XXXX ), they are still locked - I don't have the time or patience to spend any more time on the phone to resolve this.
Consumer complaint received 2018-11-27
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: JPMORGAN CHASE & CO. (NJ)

I have a charge on my credit card for {$470.00} for XXXX XXXX. When I saw the charge, I immediately reported is as fraud. The credit card company removed the charge form my account. In addition, when I called to report the fraud, the credit card company told me that someone tried to access my account from a different phone number. The credit card company only notified me of this when I called to report the charge as fraud. 

A few weeks later, the credit card company recharged my account for the fraudulent transaction. I spoke with someone in their fraud department and I was told that there was an investigation done, but that the details of such investigation were not clear and the credit card company would have to look in to the matter again.
Consumer complaint received 2018-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ameritech Financial (KY)

I was making XXXX dollar payments to Ameritech. I received a letter in the mail from the Federal Trade Commission, stating that Ameritech was being sued for deceptive practices. They have taken XXXX out on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2022-07-27
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. (PA)

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXXXXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$970.00}
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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
Consumer complaint received 2018-11-27
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: AMERICAN EXPRESS COMPANY (NY)

I have initiated disputes with AMEX about a moving company 's failure to look for appropriate repair shop to repair a piano damaged during the move. AMEX has closed a case XXXX prematurely based on response from the vendor. AMEX did not offer me an opportunity to rebut. 

When I started a new case XXXX to rebut, AMEX simply said it was not in their jurisdiction to resolve and then quickly closed it again. 

As of now, the piano is still not repaired by the vendor. The price I paid for the moving services was of premium services which included repair services.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Account number XXXX XXXX  XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX  account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013  along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX