davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/2023 I requested SECU in XXXX NC to mail check in the amount of {$180000.00} to XXXX XXXX XXXX in XXXX as IRA Trustee to Trustee Transfer. I hand-delivered the transfer request to XXXX NC XXXX XXXX XXXX. On XX/XX/2023 funds in the amount of {$180000.00} were withdrawn from my Traditional IRA account at SECU and I was advised that a check had been mailed that day by SECU. 

XXXX XXXX XXXX had not received this check as of XXXX XXXX  today on Wednesday XX/XX/2023. 

I have been inquiring of SECU for several business days where the delay was in delivery of the check.

I have just now been informed by SECU that a 3rd party vendor who is out of state has been contracted by SECU to print and mail paper checks.

SECU had not previously disclosed to me as a member that check printing and mailing was contracted to out of state 3rd party vendor. SECU staff advised me this week that they were likewise totally unaware that checks were being printed and mailed by out of state 3rd party vendor.

I have asked what city and state the 3rd party vendor is located and SECU advises me that for security reasons they can only advise that the vendor is out of state.

I find it shameful and wrong for SECU not to disclose to members and to employees that SECU has contracted with a 3rd party vendor to print and mail checks and also not to disclose the location of the out of state vendor.

If SECU had previously disclosed that checks are now being printed and mailed by 3rd party vendor who is out of state, I would have chosen to handle the transfer as rollover and taking the funds in person to XXXX XXXX XXXX. 

I have now been advised today by SECU that I must wait 10 business days to request a stop payment order on the " lost '' check that has been reported to have been mailed on XX/XX/2023 and not received by XXXX  on XX/XX/2023. 

I wish for CFPB to demand that SECU be open and transparent to members and to disclose to members that checks will be printed and mailed by out of state 3rd party vendor and that SECU disclose the location of the out of state 3rd party printing vendor
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. XXXX XXXX XXXX : # 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 an 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 or 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 2022-10-16
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: Experian Information Solutions Inc. (MI)

My XXXX XXXX went from XXXX to XXXX for no apparent reason, I only have XXXX lines of credit and they all get paid on time and don't build up at all. Then XXXX days ago it went down another XXXX points, I went XXXX to XXXX in a short amount of time. This has NEVER happened before and it's leaving me to wonder.
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hello, I reserved an apartment for XXXX nights from XXXX XXXX ( Confirmation code XXXX ) on XXXX. The listing said that the house has air conditioning. When we got there, we only saw that only the attic room had AC, but there was no AC in the kitchen, living room, sleeping area, and bathroom. We were XXXX people. XXXX people slept in the attic and my wife and I slept in the other sleeping area with no AC. It was warm and we were sweating all night. It really ruined our stay. I contacted XXXX support for this but they were not really helpful. I disputed the claim through my credit card company ( Capital one ) but XXXX provided the same response as they provided to me and rejected the dispute. I would appreciate it if you could investigate the issue further. 

Thanks,
Consumer complaint received 2024-03-05
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Chex Systems, I spent over an hour trying to submit a dispute on your website and always received some error- it should be that hard to submit disputes. 

See attached. 

There's incorrect information on my latest Chex Systems Report that needs to be handled immediately.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020 I received a text message from Capital One because they identified purchases as possibly fraudulent. I called them and let them know that I have either lost or had my card stolen, and was not in possession of it on XX/XX/XXXX when these charges were made. 

They were numerous and fairly small {$19.00}, {$24.00}, {$17.00}, {$50.00}, {$20.00}, {$75.00}, {$140.00}, {$13.00} I told CApital One that i was 100 % sure these were not my charges for a number of reasons. They were used with the physical card at locations around XXXX NY that I have never been to, and I was not in XXXX NY at the time. At least two of the charges, {$140.00} ( Walmart ) and {$75.00} ( Tops Supermarket ) are stores with many, many CCTV cameras if there was any doubt. 

As a result of this phone call to Capital One, they credited the account for the fraudulent charges on XX/XX/2020 Then on XX/XX/2020, without any notice, Capital One again reversed the charges and stated I was responsible for paying them because the physical card was used. I stated that we knew this from the start, and there are plenty of ways ( CCTV ) to show it was not me making the charges. They said they would look into it again. 

About a month passed, and I called to inquire about the status, I was told its over, and I had no chance of changing anyone 's mind. 

What I expressed first was not just surprise that they were blatantly not following policy/law, but that Capital One was perfectly happy to have me still as a customer of two of they cards. The one in question which is a Capital One Walmart Mastercard and a Capital One Quicksilver card. I asked why they would extend credit to me, who they are insinuating made purchases and lied about it. I received no answer other than " is there anything else we can help you with '' Capital One also identified this as fraud, and issued me a new card and card number immediately
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, I was billed by XXXX XXXX for {$710.00} for a washing machine and delivery to the specified address under my name. XXXX XXXX never delivered the washing machine as agreed so I filed a chargeback with Capital One. 

Capital One initially accepted the chargeback because XXXX XXXX didnt provide the goods and services explicitly agreed upon. Capital One on XX/XX/2022 charged my account for the full amount of {$710.00} and didnt honor the consumer protections I have with the Credit Card XXXX fraudulent transactions from the business owner. 

Capital One provided me with the case number : XXXX XXXX : XXXX
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2020-02-09
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. (TX)

XXXX XXXX is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan
Consumer complaint received 2018-02-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Navient Solutions, LLC. (AZ)

I have filed BK it got discharged XX/XX/2017 I contacted Navient to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
Consumer complaint received 2023-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (GA)

- I submit request to switch to SAVE plan on student aid.gov on XX/XX/XXXX - Nelnet received the application on XX/XX/XXXX - sent me email on XX/XX/XXXX stated still processing and nothing I need to do - today its still not switched to the new SAVE plan. 
- when I called, the rep said they need my current paystub to calculate AGI but I told them they should have that from my XXXX tax return. They still insist me to submit the paystub. When I ask why I didnt received any communication about submitting the support document. She said it was sent out on XX/XX/XXXX which simply not true because I only see email confirm they received my application on XX/XX/XXXX and an email on XX/XX/XXXX stated I didnt have to do anything. They are giving me hard time while they can simply just use my tax return XXXX to calculate that already got pulled from IRS and lied that they sent out email to request me submitting the current paystub. 
- Now they said it will be XXXX  days to process but when i call to follow up, the rep didnt see the application is currently processing? 
- what are they doinf? playing with my money?
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I XXXX XXXX XXXX has been used to put HARD INQUIERYS on my EXPERIAN CREDIT REPORT. These companies are letting credit card companies go through the XXXX report that was put on credit reports many years ago. I have good credit report but these lies of hard inquireys.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (TX)

The mortgage company, Wells Fargo, miscalculated the initial deposit of funds into my escrow account. Now my account is approximately {$3400.00} short. Our house was NOT new construction. I have been working with Wells Fargo mortgage department for over the last XXXX weeks and I have still not be able to resolve the issue. Wells Fargo has refused to accept the blame for the mistake and will not return phone calls ( including supervisors XXXX. I have reviewed all my closing paper and HUD-1 statement with my relocation company, the closing title company, my realtor, and an old realtor we used to sell two previous house ( in another state ) and all parties agree that Wells Fargo made the mistake. I think Wells Fargo 's consumer service is completely unacceptable and it appears that they do not care. If anyone else made a similar mistake in another type of business they would be held accountable to correct the mistake at their expense. I want this issue resolved ASAP.
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (NC)

Loan servicing transferred recently ( XX/XX/2023 ) from XXXX XXXX / XXXX ( loan # XXXX ) to Truist ( loan # XXXX ) for property address XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Borrower XXXX XXXX, authorized party husband XXXX XXXX ( who handles the business for the loan on Borrower side ). Homeowners XXXX XXXX and XXXX XXXX. 

**Loan in good standing ( perfect payment history ) at time of loan servicing transfer - payments made through the XX/XX/2023 payment. ** XXXX XXXX documentation indicated loan can not be considered delinquent at loan servicing transfer point even if 60 day delay ( because, as you know, servicing transfers often are handled poorly, in violation of US Code and OCC/Fed . Reserve standards, and often unfairly cause problems for borrowers ). 

Truist auto-pay process would not work. 

Eventually, the " XX/XX/2023 '' payment was made in full by us via check and processed by Truist on XX/XX/2023. The " XX/XX/2023 '' payment was put in motion the same day and was paid by check and processed by Truist on XX/XX/2023. **The loan remains current. ** Truist robodialed us for weeks without our permission ( we did not realize it was Truist, thought typical scam robodialer in violation of law ). Eventually, we answered. Truist then would not speak to XXXX even though he's an authorized party. 

**Truist continues to send us documentation which inaccurately indicates the loan has not been paid and is delinquent. ** Communications to Truist have gone unacknowledged. 

Proof of status / payments is being attached to this submission. Truist needs to get is act together, stop sending inaccurate and worrisome information, and confirm the loan is in good standing.
Consumer complaint received 2018-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (IL)

In reference to loan number XXXX through Freedom Mortgage for XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I accidentally paid my property tax out of pocket when I was sent a bill for it in XX/XX/2018.  This is normally covered by my mortgage company as a part of my escrow account and monthly payment. I informed Freedom Mortgage of the mistake and was told I would be refunded the full amount of {$1500.00} when the escrow was analyzed in XX/XX/XXXX. This is shown on page two of the attached statement, listed under " checks and substitute checks. '' It was check number XXXX, paid in the amount of {$1500.00} on XX/XX/18. 

I called again XX/XX/XXXX after not receiving a check in XX/XX/XXXX and was told there was no record of my original conversation and that I needed to submit a bank statement to prove I paid the amount out of pocket. I did this promptly to their customer service email, as instructed and did not receive a response other than an automated " receipt of email. '' it is attached below. 

I called again 10 days later to inquire as to the receipt of the email and was told I never needed to submit a bank statement and that they would begin an escrow analysis. 

I received a check in the sum of XXXX $ on XX/XX/XXXX. This sum is still deficient {$490.00} from the initial payment I made on my property tax in XX/XX/XXXX. 


I would like to be refunded this amount, as I was promised in XX/XX/XXXX of this year.
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

I am having an issue with a mysterious, old debt related to my XXXX XXXX account that I closed in XX/XX/2021. It was closed with XXXX debt. I have emails from XXXX stating that my account balance is XXXX dollars. I have emails documenting my account activity. I paid my bill using autopay from my debit card. XXXX had my card on file. 

In XXXX of this year I received an email from TrueAccord stating that I have an outstanding balance of {$44.00}. Apparently they were collecting for XXXX XXXX, who was collecting for XXXX XXXX. I asked for details, explaining the whole thing in detail. I am attaching a printout of my email communication with TrueAccord. They acknowledge that they don't have a record for me and told me they will cease collection activity on my account ( please refer to the attachments for a detailed overview ). Collection account fell of my XXXX credit report after that conversation. They never stopped harassing me via email despite their multiple statements that they are not collecting on the debt anymore. Eventually I just blocked their address. 

This brings us to today, I checked my XXXX credit report, and that collections account is back on my credit report. I have explained my times that I will pay what I owe, I need to know what I am paying for and why. This is beyond frustrating, I know I can just " resolve '' the issue by paying the {$44.00}. It doesn't fair or prudent though. Thank you for your help. XXXX XXXX P.S. I have many more emails that I can forward. I would need an email address though.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: T.S. Holdings (IL)

The company " IQ DATA INT'L INC '' as shown on my credit report this debt/ collection is not mine I have already disputed this and was not looking into by XXXX this collection appeared out of no where and has since increased it balance within the last 30 days from XXXX to now XXXX this is predatory and dispute was resolved in 1 days not even taking the time to investigate why and who they are abusing my credit report and no one has started to investigate this matter beyond 1 day I have attached 3 documents 3 different amounts days apart from each other.

Section 623 ( a ) ( 1 ) ( B ) .If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Consumer complaint received 2018-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AL)

I attended college from XX/XX/XXXX - XX/XX/XXXX. I borrowed money to attend. I was told by Navient when I requested the loans that as long as I repayed my loans after I graduated, then this would not be applied to my credit until after 13 months of graduation. I have never seen the actual statements that I signed to borrow money and do not know the actual amount that I borrowed. I never received any statements while attending college but see that my credit has been negatively affected due to this money since XX/XX/XXXX ( when I originally applied for the loans ). Now I am receiving statements from the department of education stating my loans were turned over to them and that I still owe $ XXXX. I do not know the exact number her I borrow but I do know that I never would borrow that much money.
Consumer complaint received 2023-06-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IL)

Hi, they open 2 additional checking account for me without my consent. Every time I call the XXXX number to close it they hang up the phone on me and refused to connect me to the right department in order to do so. 
First XXXX XXXX  checking ending in XXXX and another premier checking ending in XXXX I want to close immediately because I did not open those accounts I do want to keep my original XXXX XXXX, checking account ending in XXXX. and tclose all the others Thank you very much
Consumer complaint received 2023-09-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: EQUITY LOANS LLC (FL)

EPM mortgages has intentionally made every effort to sabotage my ability to refinance my mortgage with another lender and due to EPM actions it has force me into applying with them for an request for 6 months forbearance. ( Submitted XX/XX/2023 ). 

In fact, I've filled several prior complaints against the company ( EPM ) with the cfpb and since each submissions for unlawful financial practices, each time EPM has responded with weak comments of their assistance process that is never rendered.

This company has conducted falsely delaying practices.

And due to my complaints to cfpb against EPM in retaliation they contacted me today XX/XX/2023, by EPM 's rep. advising me that my assistance was denied!

It's more than evident that EPM wasn't and never were in the business of providing any assistance to their customers. Thank you.