davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-08-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

Ive received the response to my dispute with Experian regarding their satisfying the Method of Verification requirement as per the FCRA. I appreciate that they felt the need to give a general discussion of their process of which I am well aware but have in no way stated how the satisfied the law in this case, nor have they provided the requested specifics of how they allegedly verified this information. 
The FCRA is a law that was created to protect the consumer. What is the point in having laws if theyre not going to be followed? FCRA Section 611 ( a ) ( 6 ) and ( 7 ) provides for the method of Verification and the fifteen day allotment passed with none of the requested data that was my right to ask for, who was contacted at these companies to verify the data, what documentation was used, etc. Otherwise anyone working there, even the janitor can say something was verified, if the company was even contacted to verify. When damaging information is placed on ones credit file, one has a right to ask for specifics! XXXX XXXX   can say this data is verified and accurate within the 30 day timeframe but in my dispute against them directly with the CFPB, theyve taken almost two months to verify without result yet? 
I am aware that Experian has various procedures in place to attempt to ensure their files accurate. What I need here and demand within my rights are the specific process used on this instance! The person contacted at each company! The documentation that they used to claim verification! I dont need to know general procedures. The timeframe has passed to fulfill the FCRA on this issue. Either specific details on who was contacted and what documentation was provided must be provided or the accounts in question, two XXXX, one XXXX XXXX and one XXXX XXXX, must be delete from my file.
Consumer complaint received 2021-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (CT)

TD bank. 

Ok so my Father was bed ridden so we did a power of attorney, brought it to the local branch where he started the account XXXX knows how many years ago, where he went every week and knew everyone there. 

They take 2 weeks to " update into the system '' with the power of attorney. 

THEN drop on me that the account is closed due to my mothers Social security and my mothers JOINT tax return going into the account ( which has happened for YEARSSS but they decided TODAY they didn't like it ) Account is being closed and funds will be going back to the IRS and SS.. ok fine. 

4 months pass, nothing, I call and complain, they can NOT talk to me as the POA is not on record for me ( so what did I wait 2 weeks for? ) I call the branch assistant manager XXXX, he says they are WRONG and the POA is on file, so this goes back and fourth with TD corporate and TD branch both saying different things and refusing to speak to one another, after many complaints I decided to contact CFPB.

Side note a few payments DID go back to SSA, but the rest remain in the account where TD branch is saying its " not there '' yet the statements come to the house and say it is. 

also Corporate will still NOT talk to me ( other then to take a complaint that seems to go NO WHERE ) due to the lack of POA which local branch claims is on file. the acconunt statement shows {$2800.00} in the account
Consumer complaint received 2020-10-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (MN)

United Wholesale Mortgage is withholding {$9100.00} in escrow annually, but my property taxes and homeowner 's insurance only total {$6400.00}. They will not lower the monthly escrow payment and they will not allow me to pay tax and insurance on my own. XX/XX/2020 they made a random tax payment of XXXX with no explanation. They made the most recent property tax payment over two months late, and only after I asked them to make the payment multiple times. They only respond with form letters that don't answer any of my questions.
Consumer complaint received 2020-10-11
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. (UT)

XXXX XXXX  needs to verify how they did a complete and accurate investigation to the credit reporting agencies under section 623 A. If you use the EROscar system you did not properly do a complete and accurate investigation and the reporting of the account needs to be removed promptly. Continuing use of the E-Oscar system as a form of verification validates my rights and I will seek litigation
Consumer complaint received 2021-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (KY)

USBancor has allowed excessive over draft fees to accumulate on my checking account that has resulted in substantial fees and garnishing of my direct deposits from employer payrolls and they have injured my chances to re-establish a better credit rating through creditors To date this Financial Institution as of XX/XX/2021 is still accumulating and charging excessive overdraft fees when I have not used Thier card in more than a week Problems in the past with this issue from inexperienced associates/agents in corporate side institution who knew or should have known my card was changed twice in the past from another account similar in numeric identification to mine with accessive overdraft fees attached resulting in negative judgement of my character that is defamatory in that they gave me a non interest bearing checking and savings account because I am not in the class of individual customers opening an account with the minimum {$100000.00} deposit in savings
Consumer complaint received 2019-08-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Thrift Investment Corp. (DE)

i had a car loan with thrift investment in 2014 the car was deemed a total lost the car was damaged beyound repairs in an accident the insurance company sent a check for XXXX to the balance of XXXX and i was charged off the balance because the dealership didn't place me with the gap insurance i had no knowledge of no gap or any balance owed nor was i able to dispute or validate the debt prior to being charger off to my credit report once placed on my report i have made many attempts to remove the debt and or work it out with thrift with no success
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I have had this credit card since 2018. I very responsible client and I pay all my credits on time. Today by a credit report I realized that I owe a money to one of my credit card ( at this moment I was surprise about this debt ). I started to check all my credit cards finding out which card was due. Then, I realized that the card that I owe was my XXXX card. This card I have not use it for a long time, but they charged the annual fee. After that, I went to the credit card website to pay, however I couldn't pay because I was already closed. I chat with somebody from the bank and this person gave me a phone number to solve the issue. I called and the agent told me that he cant solve the problem. I explained both of them that I didn't receive any information by post-mail, text, or e-mail. I really feel this situation very unfair because I want to solve the situation and pay the annual fee and continue being a client. Unfortunately, the miscommunication caused a problem with my credit score. I think they were not effective in communicate the issue with the annual fee.
Consumer complaint received 2019-11-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC (TN)

XXXX XXXX apartment said that i owe XXXX and thats no way possible it was not that much even with the fees added to it so they need to delete this and check with the apartments i dont have any documents because i lost them
Consumer complaint received 2019-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

I started employment with the Federal Government in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX XXXX took over my XXXX consolidated loans and they have incorrectly calculated my PSLF payments. I have made XXXX qualifying payments from XX/XX/XXXX to XX/XX/XXXX. See attached and new PSLF certification. Given XXXX error and their unwillingness to correct it I filed CFPB complaint XXXX in XX/XX/XXXX. XXXX reviewed the information and increased the number of PSLF-qualifying payments to XXXX. Which is an error. XXXX did not dispute any of the qualifying payments that I have been making since XX/XX/XXXX which total XXXX as of XX/XX/XXXX. The only issue they claimed was that I remitted a partial payment in XX/XX/XXXX, rather than the full monthly installment. This is an error because I made a full payment in XX/XX/XXXX ( I had overpaid and they added the overpayment to the bill ). See attached. CFPB did not give me an opportunity to counter XXXX error and closed my CFPB complaint. The evidence shows that I have made XXXX full payments under a PSLF qualifying repayment option. XXXX did not dispute this and only claimed that their only issue was that I made a partial payment in XX/XX/XXXX. The attached evidence shows that XXXX is mistaken because I made a full payment in XX/XX/XXXX. Given that XXXX does not dispute that since XX/XX/XXXX I have made payments under the qualifying repayment options for the PSLF my payments need to be corrected to XXXX. Please help me correct XXXX mistake in calculating my PSLF qualifying payments.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit determination — 
Company: U.S. BANCORP (NJ)

XXXX XXXX, 2016 XXXX ran my credit report without my knowledge. They never informed me they were running the report. They planned on raising my interest rate. XXXX of the reasons they gave for the increase was too many inquiries on my credit report. Because they ran the report it lowered my credit score.
Consumer complaint received 2023-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Advised the credit card company that my data was breached thru my XXXX and laptop and that the cyber hackers have control of my email and phone number that they have on my account and I want to advise them of my new contact information.. That the hackers also currently have control of my landline at my home, and my wi-fi and my internet connection, I currently have no secure line to electronically connect with them without revealing my passwords and SSN. IThis credit card company wrote that they would not accept my request to change my contact information by letter, that I must use the telephone to call in the information.
Consumer complaint received 2023-03-28
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. (FL)

XXXX, XXXX, and Experian keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

*According to 15 USC 1681 ( 5 ) XXXX XXXX XXXX XXXX and Experian have to modify or delete accounts that are not reporting accurately *According to 15 USC 1681b ( 1 ) XXXX, XXXX, and Experian don't have no written premission *According to 15 USC 1681 I have the right to privacy *According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 

I can go on and on XXXX, XXXX, and Experian have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2020-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK (CA)

I was enrolled with freedom financial and one account for XXXX  XXXX XXXX was so called settled. Started XXXX. I left the program in XXXX. Bankruptcy was completed and the whole amount was included. A check was sent to their address from third party XXXX ( XXXX ). I never received it .so I need an audit based off of the complaint against this company.
Consumer complaint received 2021-09-13
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation (CO)

Repeatedly asked One Main Financial to not contact me at work- most recent request XX/XX/2021 - and I told them they can contact me on my cell phone or via email. I have asked them repeatedly to remove the phone number and not contact me here, and told them they are violating FCRA by repeatedly contacting me at this phone number, and to stop calling me at work. I told them they contact me in writing or on my cell phone.
Consumer complaint received 2020-07-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I contacted Experian requesting them verify 3 alleged debts they have reporting on my credit report 30 days ago. They have not furnished any documentations or responded to my request within 30 days. I have also asked them to remove alleged accounts due to no proof that the alleged debt is validated. I have referenced the FCRA which clearly states that any information known to be false or can't be verified must be DELETED from my consumer credit report. Please see attached documents that displays my communication with Experian.
Consumer complaint received 2019-11-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

Major issues with my Navient account, which has resulted in delayed, doubled, and missed payments on the account within the last 6 months. Inconsistent payments while enrolled in auto pay, with no notification of the agreed arrangement end date. I have called for various issues once every other week, with no consistent help : XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due date ( payment not late ) XX/XX/2019- Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto payment not deducted for Federal loan ( through navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019 - Auto payment not deducted for Federal Loan ( through Navient ) Late fees charged to account with auto pay deducted on the Navient appointed due ( payment not late ) XX/XX/2019- Auto Payment not deducted for Private Loan ( through Navient ) Loan was sold for {$37000.00} with no approval or notice XX/XX/2019- Private loan increased by with no notification/ Federal loan auto pay charged twice. Called back to reverse payment ( fault of Navient ), and have not received refund as of XX/XX/XXXX.

I have had to file a forbearance to assist with the fluctuation of my account, and have requested to not be placed on auto pay, which I am unable to do if I want the lower payment rate.

I continue to be pushed around from customer service rep to rep and I am not receiving the proper customer care. The inconsistencies continue to not be resolved, with multiple errors to my account at the fault of customer service reps who are not processing my information correctly. It is difficult enough making these payments month to month, but when I am charged twice, or payments increased not to the fault of my own, Navient is blatantly taking advantage when they know there will be no consequences. Every month its a different problem and I can not keep calling every week to reverse mistakes that I have not made.
Consumer complaint received 2021-09-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

We are paying our mortgage on the last day of the month due to income impacts of Covid. 

I went through Carrington 's payment system before XXXX the same way that I do every month and submitted my payment. I have never had an issue and always get an email confirmation the next day. 

On XX/XX/XXXX, I received an automated phone call that I hadn't paid the bill. I called immediately and talked to them. They didn't show a record of the payment. I immediately submitted the payment again, and confirmed that the associate received it. 

I have proof that I was on the payment pages ( XXXX timestamps my activity ) and proof that the funds were available, but Carrington refused to even take it. 

They are reporting me late on my credit. I haven't had a late on a credit in 15 years. 

They had some sort of issue with their system and messed up my payment.
Consumer complaint received 2021-08-16
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 — Was not notified of investigation status or results
Company: CL Holdings LLC (MS)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. XXXX without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these regulations by the XXXX XXXX XXXX, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2017-09-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I phoned Capital One 360 today ( X/XX/2017 ) ( XXXX XXXX ) to open a 360 Money Market account because they are offering a rate of
1.20. for amounts over $ 10k. I completed the account opening and moved funds with no issues. However, when looking at the rate it stated .60 instead of the 1.20 and I deposited $ XXXX. This is the first issue. I phoned and the representative stated that it would most like be updated to reflect the rate of 1.20 at a la
ter date.
Me : Okay and can I check on my beneficiaries with this account?
Cap One : You can not have beneficiaries with a Cap One 360 account.
Me : Then can I add a joint owner?
Cap One : Not unless the joint owner is Cap One 360 account holder.
I have been in finance and banking for years and have never heard of this practice and it seems sneaky and illegal that I can have {$1000.00} 's of dollars in an account but can not name a beneficiary or even add a joint owner. I feel this needs to be addressed and the practice changed. I plan to move the money back to my Credit Union where I know my funds are protected and where I can have beneficiaries and/or joint owners.
Consumer complaint received 2021-09-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (GA)

This loan was opened XX/XX/2021 for {$5700.00}. I missed a payment by a day and then this company turned into spam calling company. Calling me late at night after XXXX and on the weekends. The calls got so bad I couldnt even conduct job interviews. I informed the company not to call me because their auto-dialer system seems to call me at all times of the day. I was told it would be removed. But the calls persist. Now I was served with papers setting that Mariner Finance is suing me for one missed payment. 
The Claim states on the court doc " The account opened on XX/XX/2021. The account is due XX/XX/2021. I will never do business with this company again. The company never tried to make any arrangements after the missed payment.