davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (SC)

on XX/XX/XXXX we ordered food at 1 or 3 in the morning from XXXX XXXX I mean from XXXX XXXX a local place in XXXX XXXX XXXX to XXXX two minutes later the amount of XXXX dollars and XXXX cents another mount for XXXX dollars and XXXX cents and then another amount for {$0.00} all three of them States ATM withdrawal is no way possible you can even injure all withdrawal does large amounts out of ATM anywhere that I know of even in South Carolina so with that being said they know we didn't use the money that's it it's a lot of fry going around they promised us three emergency expense diet call confirmation numbers they would expedite the process due to the circumstances they told us to send in the dispute form being that it didn't get here in a timely fashion we created our own dispute form with a case number on it all the information times dates and everything still yet have yet to hear from the XXXX XXXX each time I call they won't go online for 3 hours waiting my sister has no food she just got a tooth pulled she can't even feel prescriptions also her rent is due date charging her late fees we went into the local social security office is nothing they can do she has a mental health appointment this week she has a copay she has to pick up other XXXX   medications and whatnot they still will not comply it's been since the third for the first dispute form I send in my own cover sheet and everything they said they received the emails the investigator will Contact we no one ever called back at please tell me what to do cuz the XXXX XXXX is not doing their job is disgusting is sick and I told them my sister make XXXX did they told me to go to the local social security office and see what they can do I don't know what else to do a promise this emergency transactions are emergency funds because they said it's going around some company from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they know that we didn't use the one that all we order the food came to a total of {$20.00} we still have the card in our presence they sent out another car and told us three times the funds would be on the card you receive the card the new one in the funds are there please contact us asap please help
Consumer complaint received 2022-02-16
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. (TX)

1. Experian failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX. 

2. Experian kept the XX/XX/2019 late for XXXX XXXX and XX/XX/2019 late on my credit report without providing a notarized investigation report. 

3. Experian provided a credit report and disputes document for the XXXX XXXX and XXXX XXXX XXXX instead. 

4. Experian has ignored my request as noted in my correspondence to them -for an notarized investigation report on several occasions. 

5. XXXX XXXX sent a payment history log. The payment log never charged a late fee for the months XX/XX/2019 or XX/XX/2019. I have never been late with this account. 

6. XXXX XXXX did not provide a payment log and I have never been late. 

7. Experian failed to provide XXXX XXXX and XXXX XXXX XXXX notarized investigation report. Therefore it must be that the disputed information on my credit report was inaccurate. Under 15 USC- 1681i ( 5 ) ( A ) ( i ) of the FCRA all unverified accounts must be promptly deleted from my credit file.
Consumer complaint received 2021-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (VA)

My fiance called in on XX/XX/14 to obtain information as to what we needed to do to get my income driven payment plan in writing for the bank that is handling our mortage. When she called and spoke with XXXX it was a very long extended wait period to speak with someone as she reached a new person. When XXXX got on the line we refused to give her information on how I can get the request expediated. He wouldn't even tell her the procedure or what I needed to do to obtain the information. He didn't need account specifics to tell her that information. I need to know how to get the document of what my payment will be monthly so I can send it over to the bank. I submitted this request several days ago and can't wait 3 weeks for it per the email that Greak Lakes sent me. Thank you. The documents that were requested from Great Lakes has been submitted.
Consumer complaint received 2024-02-13
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: Experian Information Solutions Inc. (IL)

They have not provided detailed explanations for why these accounts were marked as Late and Derogatory. I am extremely dissatisfied with the outcome of their investigation and validation. I am unsure of the methods and processes they used to arrive at these inaccurate results. How is it possible that I received a 90-day late mark when there are no records of 30-60 days past due? It seems to have jumped straight to 90 days. 

Furthermore, these issues occurred during the pandemic when systems were frequently down, and there were limited options for making payment transactions. Despite the challenges I've faced, I have diligently kept everything up to date and fully paid. It is unjust and unacceptable that they refuse to correct and update their records despite my numerous letters requesting them to rectify these errors. 

Hear me out, and help me update these to current or just delete these errors on my credit report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED / XXXX Account # : XXXX XXXX. DEPT OF ED/XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2022-03-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MA)

I paid off my car loan with XXXX XXXX on XX/XX/2022 and it showing on my credit report as closed. I would like to dispute this issue. I don't have any outstanding balance.
Consumer complaint received 2021-06-14
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. (NJ)

I Am a PROTECTED CONSUMER. I sent all the credit reporting agencies a letter stating these accounts were inaccurate and fraudulent. they were supposed to remove all the accounts after 4 days of receiving my official statement on XX/XX/2021, but it is now XX/XX/2021 and these accounts are still reporting on my credit report. the FCRA says that is illegal because they are supposed to report accurately and fairly. I am asking that the CFPB please take immediate action and force these companies to abide by the TILA, FDCPA, FCRA laws. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. also Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (CA)

This involves my PNC Bank checking account. I do not have any form of overdraft protection with my PNC account. They are supposed to decline charges. However, on XX/XX/21, I was charged two {XXXX} overdraft fees ( {XXXX} ) for two charges totaling less than {XXXX}. In addition : there was a pending deposit on the account sent the previous day around XXXX, which would and should have prevented the overdrafts. In addition to that, I am signed up for account alerts, including overdrafts, on my account. PNC did not notify me of any overdrafts until AFTER the fees had been charged. 

The first point makes it illegal to do what PNC did. The second two illustrate how this bank is unethical and not acting in good faith towards its customers, instead trying to milk fees out of them even if it involves shady business practices.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (ND)

We have been on a Forbearance Plan which was offered by Mr. Cooper Mortgage numerous times due to XXXX being a Veteran. We elected this option and were guaranteed there would be no reporting of negative information on our credit report. However, the company continues to report negative information. 

I have called the company 3 times to get this resolved. The second time, XXXX I was told the matter would corrected and a letter sent out confirming the negative information would be removed. I never received the letter, however I did receive a statement. I called the company again today. I was told again no negative information should have been reported on the account since XX/XX/2021 because the account was " coded for protection '' from modification to Forbearance again because of it being a XXXX Loan. The representative even offered another Forbearance since ours is soon to end, again. 

I informed the representative it was imperative to get this issue resolved or I would be reporting to CFPB. This been so frustrating. We would never done the modification or Forbearances had we not been offered or had known our credit was going to be affected negatively. We feel the company needs to better train their Representative 's on how these programs work. We have spoke with several Representatives over the pas months and we continually told our loan has been in 'protected status ''. Due the misinformation provided to us we want our credit report fixed asap. 

Thank you.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION (NY)

Am having a Problem with M & T Bank with a Transaction i did not Authorize for the amount {$270.00} from XXXX XX/XX/2021 i lost my debit card XX/XX/2021 from my checking account ending : XXXX Please help me with this i open a claim with M & T bank claim number : XXXX Please help me with this i never did anything with this Company XXXX and never used my card to buy anything from this company
Consumer complaint received 2021-03-10
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. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My student loans Ive been fighting since their first lawsuit, was finally excepted with their second lawsuit and I was approved XX/XX/2022, the discharge of XXXX percent shows to be removed within 180 days weve past that by 100 days, its affected my score every month within the 100 days on top of over the years by about XXXX points, thats not fair, their twos are harassing me and marking me feel like law is hopeless and that I need to be scared or depend on something other then my rights and law plus their letter.
Consumer complaint received 2021-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Nelnet, Inc. (VT)

My issue is actually about not being able to access information about my account. I would like to know the payoff amount so that I can pay the loan off, but have not received a response despite multiple communications. My loan is through XXXX XXXX, but their loan servicer is Firstmark Services On XX/XX/2021 I emailed Firstmark Services because my account was locked, I was unable to unlock it online and I was unable to get through to them by phone. I also asked to switch to paper statements since this is not the first time I have had trouble logging into my account. 

On XX/XX/2021, Firstmark sent  me an email through a secure link stating that a representative would reach out to me by phone and that I would need to allow 24-48 hours. 

On XX/XX/2021, I emailed again because I had not received a phone call from Firstmark. I again asked to be switched to paper statements and for help unlocking my account. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my question without further information. 

On XX/XX/2021, I replied to Firstmark with the information they requested. 

On XX/XX/2021, XXXX XXXX from Firstmark sent me an email stating that they could not answer my email without further information. 

On XX/XX/2021, I mailed a letter to Firstmark Services detailing all the steps I had taken to reach them, including copies of all of the correspondence since XX/XX/XXXX, XXXX as of today XX/XX/2021, I have still not received a response. My letter also requested a payoff amount, that my statements be changed to paper statements and that I would be filing a complaint with the Consumer Finance Bureau if I did not receive a response.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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 2019-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a checking account through Bank of America on XX/XX/2019 for my unemployment direct deposit of {$190.00} every two weeks. At the time when I opened the account the associate stated there was no monthly maintenance fee as long a a total of deposits were {$250.00} or more per month. I called to confirm with another associate and they also confirmed there would be no monthly maintenance fee for the amount I was having deposited by my unemployment check of {$190.00}. On the third month I was charged a maintenance fee of {$12.00} and the associate was unsure of why I was never charged the first two months and why there was a fee that month so she reversed the fee of {$12.00}. The follow month there was a {$12.00} maintenance fee so I ended up closing the account on XX/XX/2019.
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name XXXX XXXX
Consumer complaint received 2023-12-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

Heyyy, PLEASE HELP ASAP So I bought this XXXX  prepaid gift card from XXXX XXXX at XXXX XXXX2023 and preloaded it with 500 dollars + XXXX dollar activation, well they said its gon take 2 hours and after 2 hours when I tried to use it at multiple places it never worked then I checked the funds online XXXX XXXXt showed 500usd but status was on hold contact them, so after a hectic wait I got onto one of the customer rep and what he said was that he can send me a replacement card in 7-10 working days but Ill be leaving the states in a few days so I requested a refund or smth which they clearly declined, how is it my fault that the card upon activation wasnt working now Im left with no money and on vacation in the USA please help me as I dont know how to survive now
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MN)

On XX/XX/2018, my divorce was official. As part of my divorce I wasn't required to refinance my mortgage ( no equity ) at that time. The agreement between my ex-husband and myself was that once the kids graduated I would refinance. In the meantime, my ex decided to file for bankruptcy but was told that it wouldn't affect me. My mortgage servicer Mr. Cooper ( mrcoooper.com ) completely shut down my online access to my mortgage loan. The attorney for my ex sent a letter directly to Mr. Cooper on XX/XX/XXXX telling them to give me back my online access. I called on XX/XX/XXXX and was told that I could submit a copy of the letter to the researchincoming mailbox at Mr. Cooper. I called back on XX/XX/XXXX to find out the status and make my XXXX payment ( since I couldn't do it online ) and was told that I wouldn't be getting my access back. I understand the bankruptcy laws as they apply to him, but what about me? I have never been late on a payment. Do I no longer have any rights to my loan information online? Not that the creditor cares, but my divorce decree states that I am responsible for the loan and I have also submitted information to them along with how the tax reporting should be done going forward which was working great. Now while I can get information if I call in, I can't submit a payment online or look at any past statements that I can only access through my online account. They want you to sign up for electronic statements but are quick to remove the access to them. I couldn't find anywhere in any regulation that state that communication needs to stop with all parties regardless if one party did not file bankruptcy. The bank for my second mortgage just had me sign a document indicating that I wanted my online access back and took care of everything. It worked out perfectly. Also, I was told that the credit bureau reporting would be turned off. While the account internally may be marked as bankrupt, I am not past due nor am I in bankruptcy so I would hope that the credit bureau reporting is accurate. They can list my ex as bankrupt but should not be listing me.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has violated the FCRA 605. I have submitted documentation and a police report but they have not removed the fraudulent accounts.