davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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: NAVY FEDERAL CREDIT UNION (PA)

Inquiry date is from XX/XX/2021 its from navy fcu and i have another one same company for XX/XX/XXXX i recall running my name for XX/XX/2021 however i do not recognize the other two please block and remove from my credit report i tried everything to get this off i called the credit bureau and the bank it came from please remove this.
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

Shellpoint Mortgage Servicing has been overcharging my account from XX/XX/XXXX to the current date. Charges include overpayments listed on the mortgage statement, alleged home inspection, overcharged late fees and hazard insurance. I tried resolving this matter through dispute of making Shellpoint aware of the misconduct of the account and as yet the misappropriation of my funds has not stopped nor been resolved. I also filed a complaint with the South Carolina XXXX XXXX on XX/XX/XXXX. I filled out an intake sheet and assigned an attorney on the case. Shellpoint was also sent a Letter of Demand on XX/XX/XXXX in amount of approximately {$930.00} owed in debt of my account, ( XXXX XXXX and XXXX Dollars ) which has increase being this case is currently going on and Shellpoint still continue to overcharge my account late fees. I was hoping to resolve this matter through mediation and if I can not resolve this through mediation than I attend to file the complaint with the XXXX XXXX XXXX in XXXX South Carolina. If Consumer Financial Protection Bureau knows of any one that can mediate this problem between myself and Shellpoint it would be appreciated. I am a retired senior citizen with very low income.
Consumer complaint received 2021-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (SC)

Nelnet or it sister company have not been truthful about my interest rate or ability to qualify for the public service loan program over the years when I was denied. They have also been devious in terms of switching my loan between their two companies in order to make repayment more difficult by changing the manner in which the funds are applied to the loans. 

When Nelnet sent me documentation, they admitted they have been charging me at a rate of 6.13 % instead of the actual rate which was 5.875. 

When my payments began I had already deferred my loans for approximately five years while working in a XXXX XXXX because I could not afford to pay them, and I was told I did not qualify for the program. Great Lakes accepted my loans when I was on XXXX XXXX XXXX in XXXX. At all times from the day I began paying Great Lakes until XX/XX/19 I was employed at either a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and/or by the United States XXXX. I was denied on several occasions the ability to qualify for the public service loan forgiveness program.
Consumer complaint received 2022-12-15
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)

I XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 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. I have contacted Transunion, XXXX, and XXXX about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I was coerced into opening a new account with american express with misleading signup offers. The offer completely contradicted what was actually offered ( nothing at all ). I have contacted amex to resolve and they pointed out another offer, and did not address my concerns directly at all. 

Fraudulent marketing specifically to mislead consumers.
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (CA)

On XX/XX/21, there was an unauthorized charge on my checking account from XXXX XXXX XXXX. I do not have that cellular service, therefore I called my bank and they reversed the charge and said they would investigate the matter. I haven't heard from them in writing as they promised. A few days later I received a letter from XXXX thanking me for choosing TeleCheck XXXX by Phone to by the service fee/deductible for a recent Protection XXXX Claim Number XXXX, mobile XXXX, lost device, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX This is clearly not me, I do not have that mobile number, my cellular service provider is XXXX.The payment details on the letter are disturbing, because they show my name and address. The authorization date is XX/XX/21, date of draft is XX/XX/21. I tried to call XXXX but they wanted my SSN and other PII that I was not willing to provide. 
Today I received a letter from TRSRecovery services, notice of unpaid electronic transfer. I called the number provided and the person online also wanted information I wasn't willing to provide. He recommended that I complete a fraud report on their website. I went to their website and again, they are asking for my SSN, etc. I do not feel comfortable doing so. I received the runaround trying to call XXXX XXXX, and tele check. 

Please help me resolve this matter Thank you
Consumer complaint received 2021-04-16
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 (TX)

On XX/XX/XXXX I called Capital One and discussed the situation with XXXX XXXX not opening on time and a Capital One representative and they said to cancel my trip and they credited my card for {$5300.00}. Subsequently, they recharged my card 4 times during the dispute process. On XX/XX/XXXX my card was rebilled for {$5300.00}. I never would have canceled my trip had Capital One not assured me that I would receive a full refund.
Consumer complaint received 2021-04-16
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. (CA)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2020-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I received a bill from a debt collector -- CMRE -- on behalf of XXXX XXXX XXXX. I had earlier received a bill from XXXX XXXX XXXX which i paid in full. When i called CMRE regarding this bill asking what it was for ( when i had already paid the bill i had received ) they were unwilling to give me any more explanation other than i owed some balance. I requested an itemized bill so i could know what and why this difference, but they refused.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (CA)

I had XXXX back in XXXX the XXXX was not performed correctly I talked to the company about it, and they said they would not fix the issue unless I paid more money. The company was never supposed to charge my Alphaeon credit card. So, I disputed the charge to Comenity Bank which is over Alpaeon credit card back in summer of XXXX and it stayed in dispute for over a year I never heard from the bank at all during that whole time until XX/XX/XXXX when they took money out of my bank account and closed the credit card and put the account on my credit report.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I received approval for a credit card and upon its arrival, I attempted activation. Initially, I was prompted to scan my ID for identity verification, which was confirmed, yet my account remained restricted. On XX/XX/2024, I contacted customer support, who requested further identity verification via text message. Subsequently, I was instructed via email to submit my ID ( front and back ), proof of residence, and Social Security Number ( SSN ) card. Despite providing the requested documents, I was informed five days later that my ID could not be verified and was asked to resubmit the documents. After another five-day wait and no acknowledgment of receipt, I resubmitted the documents and received verbal confirmation of their receipt. However, on XX/XX/2024, I was once again asked to submit the same documents without any explanation for the repeated requests. 

This process has adversely affected my credit score due to three separate inquiries on my credit report. Moreover, I am concerned about the repeated transmission of my sensitive information, including my SSN, without any resolution or justification provided for the inability to activate my card.
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-11-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (PA)

I am purchasing a used vehicle, the loan amount is supposed to be XXXX when I spoke to the loan company in XXXX of 2021 they informed me that not long after they received my original paperwork there was another set of paperwork sent to them by the dealer ship with an additional {$5000.00} attached to it. I never signed a XXXX set of paperrs and the dealer ship has not fixed an issue with the vehicle that they were aware of when I left the lot they had me take it to their collision center where they took photos of my vehicle and was promised to fix it that was a year ago.
Consumer complaint received 2020-02-19
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 (VA)

Today is XX/XX/XXXX and I call capital one three times they were very rude and very disrespectful and Im a customer and I was calling to see if they can help me to reset my username and password so I can log online to look at my account they have transferred me to her also a representative when I asked three times to transfer me to someone to be on store representative back in XXXX when I spoke with someone Ive stated to her that I only want to sleep with someone who is on so our representative and she stated that she was going to notate my account stating that so again that was not doneSo I was unaware of that capital One was hiring rude people as I was speaking the lady named XXXX cut across me not once but twice thats very rude look at the ending on the customer so with that being said Im filing a complain
Consumer complaint received 2021-11-17
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received an email about a job offering. 
I followed the prompt and got in touch with a lady name XXXX XXXX. We communicated via XXXX. I had the interview by XXXX. Once the interview was done I was told to wait 35 minutes and I would have an answer. After that 35 minutes I checked in with her and they offered me the job. I was emailed the offer letter. I signed and scanned it back to the email I had originally received the offer letter from. After that I was emailed a check with the amount of {$2400.00} on XX/XX/21. I deposited it into my account. And after a few days on XX/XX/21 I had full access to the funds. I then sent different amounts to 2 different emails via XXXX from me online banking app. They said I would get all of my work materials shipped to me after I sent the full amount to he vendor. After that I was told that I was a test to see how well I follow protocol. And they sent me another check for {$2300.00} on XX/XX/21. And said that check would be the second half that is needed to be paid to the vendor for my work materials. But, once I deposited that check the next morning ofXXXX the check was frozen and flagged. My account is now overdrawn by {$2300.00}. And it will not be fully processed until the XXXX of XXXX. After I saw that my account was overdrawn I started to investigate what was going on. I went to the ladys XXXX account, got her email and sent her an email saying that I believe that someone has been using her identity to offer job positions. She emailed me back within about 10 minutes and said that her and her company are aware of a phishing scam happening with offers of employment. 
And my bank ( Wells Fargo ) said they were unable to help me due to me being the one to authorize the payment.
Consumer complaint received 2020-02-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VT)

My homeower insurance on XX/XX/XXXX jumped more then 10 % due to my credit score. 
We have no debt other then the credit cards we use, less then {$2000.00} a month. 
Our credit report from Equifax when down 6 point with a increase of {$74.00} total of the three cards.We are in our 70s the RMD and capital gains made our 1040 AGI of  {$96000.00} in XXXX to {$140000.00} in XXXX .Our XXXX  accounts have over {$50000.00} in cash and {$460000.00} in margin account.We funded a XXXX  XXXX   CD account this last year that has over {$400000.00} in it now.I didn't know I had to keep track of my credit score if you don't need credit.
Consumer complaint received 2020-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

i have a debt that went into collections from a apartment that i was never sent the bill from. the amount is XXXX, the collection company is trying to charge me interest on this debt, but they never sent me a break down on why this is the case. they never sent me any notices or proof that they sent them out. in the state of California its illegal for debt collectors to charge interest on a debt unless if it was stated in the original contract with the original creditor. this is violation of the fair debt collection act section 1692 this is what the act states " The good news : A debt collector can not charge interest or fees that weren't defined in your original contract. Debt collectors aren't any different from the original creditor when it comes to interest charges and fees. ... That's a rule specifically defined in the Fair Debt Collection Practices Act ( FDCPA ) .XX/XX/XXXX '' i also sent them pay for delete letter over 3 weeks ago and sent several emails and they never respond through mail
Consumer complaint received 2023-01-12
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. (AL)

I imagine XXXX XXXX Bank is a good Bank but I have not Authorized them to pull my credit. I have sent XXXX, Experian, and XXXX 3 different disputes notifying them of Impermissible.Purpose. 

Yet, have the inquires.been removed nor have i been given an details or explanation. 

I've never had a XXXX XXXX account nor have I applied for one.
Consumer complaint received 2019-08-05
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. (MA)

I have sent Experian two letters disputing an inquiry that is on my credit report, the inquiry in question is XXXX & XXXX XXXX XXXX and the inquiry date is XXXX/XXXX/2018. I asked experian to provide me with the original documentation bearing my signature and they have not provided me with anything. I am contacting the CFPB because I dont know what else to do, EXPERIANs own website says that creditors need permisible purpose from me as the consumer in order to do a hard pull on my credit and that is what I want experian to provide me with, if they cant provide me with this information then I want this inquiry deleted immediately. The FCRA says that permisible purpose is also needed from me as the consumer.
Consumer complaint received 2024-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX Comenity Bank Request for Charge Off Removal To Whom This May Concern I hope this letter finds you well. I am writing to dispute a charge off on my credit report that is associated with a Victoria credit card. It has come to my attention that there is a charge off listed on my credit report, but I want to clarify that I have never had a Victoria credit card and any such charge is erroneous.

I kindly request that you investigate this matter thoroughly and remove the charge off from my credit report with XXXX, XXXX, and XXXX. I believe this is a case of mistaken identity or a reporting error, as I have never held a Victoria credit card or incurred any charges that would warrant a charge off.

I have enclosed copies of my identification documents, as well as any relevant information that may assist in resolving this matter. I would appreciate it if you could conduct a prompt investigation and provide me with a written confirmation of the removal of the charge off from all three credit bureaus.
I understand that you have a legal obligation to investigate my claim and correct any inaccuracies on my credit report. Failure to comply with this request may result in legal action being taken.

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of the charge off from my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any further information. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CarMax, Inc. (CA)

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Consumer complaint received 2022-03-25
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. (CA)

On XX/XX/2022 I mailed a letter to TransUnion and XXXX informing them of the incorrect information they are report on my consumer report. The name and address do not belong to me. I have attached my Driver license which have my correct spelling of my name and also my current address.