davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX University in XXXX of XXXX. My loan was for XXXX I never attended XXXX XXXX in XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have multiple non mailable addresses on my credit report that each credit agency failed to remove once I identified the non mailable addresses to them. 

According to the Fair Credit Reporting Act ( FCRA ) credit agencies are to remove non-mailable addresses from a consumer 's credit report. The FCRA is a federal law in the United States that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. 

Under the FCRA, I the consumer have the right to dispute incomplete or inaccurate information in my credit report. When a consumer disputes information, such as a non-mailable address, the credit reporting agency is required to investigate the dispute. If the credit reporting agency can not verify the accuracy of the information, it must delete it from the report. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address. 
XXXX XXXX XXXX XXXX XXXX  XXXX is a non mailable address.
Consumer complaint received 2020-07-14
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 (MI)

About the middle of XXXX I called XXXX XXXX regarding a annual subscription charge of {$190.00} on my Capital One Charge card. I asked them to cancel my subscription and to refund the charge back to my credit card. They said that was not a problem since I called within 30 days of the charge. When I did not see the credit on my statement I called them back and they said their records showed the credit back to my credit card account on XX/XX/XXXX of 2020. I then called Capital one to see if it had in-fact been credited back to my account and they said it had not, so at this point I filed a dispute with the credit card company. The credit card company gave me a credit back to my account and then charged the money back to my account saying that I did not provide everything that they had requested. It took a while to find out what they needed to credit my account for the {$190.00} and when I did manage to get an Invoice and letter from XXXX XXXX showing that they did credit my account and sent it to the credit card company they said that they would not accept it as the original deadline was in XXXX and Mastercard would not allow Capital One an extension to the original deadline. 

Contrary to the above, I was told on XX/XX/2020 that if I attached the invoice mentioned above in a link that they emailed to me on XX/XX/XXXX they would use it to credit my account the {$190.00}. 

On XX/XX/XXXX I received a letter from Capital One dated XX/XX/XXXX saying they were closing my case and not refunding the charge. When I called to find out why, I was told the information needed to be sent to them before the original XXXX deadline.
Consumer complaint received 2020-04-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

This is a complaint regarding wire fraud and mail fraud on the part of the mortgage servicer Amerihome/XXXX. It is a complaint for wrongful foreclosure actions and false and defamatory credit reporting by Amerihome. It is also a complaint for failure to follow HUD guidance and provide the requested 12 months of forebearance that is provided under XX/XX/XXXX HUD Guidance HUD No. 20-048 on the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) which President Trump signed into law on XX/XX/XXXX. 

Amerihome has failed to properly apply electronic payments to my account since XX/XX/XXXX Amerihome has failed to apply mailed payments to my account, including holding and not cashing more than {$5600.00} in payment checks. 

Amerihome has failed to grant me one year of forebearance on principal and interest with the payments being added interest free to the end of the loan.

Amerihome has failed to correct the derogatory information they have reported about me.

Amerihome has failed to make restitution for wrongfully moving to foreclose.

Wire and mail fraud complaints have been filed with the appropriate agencies in addition to this complaint.
Consumer complaint received 2017-10-15
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)

I have disputed an error on my credit report with Experian and it has not been resolved. This has been disputed more than once and nothing has changed in my credit report. It continues to show the date error. The error on my report has " re aged '' an account that has a date of first default from XXXX XXXX, to show XXXX XXXX. There has been no activity on this account since XXXX XXXX. I filed bankruptcy in XXXX and this item has never shown up on any credit report, except XXXX yrs later, after the date of default XXXX XXXX. The collection agency for this debt does sent me letters periodically, which has the correct date of default and I have sent a copy of the letters to Experian, but they have refused to update this account. The account is listed on my credit report as XXXX XXXX and XXXX, and shows an outstanding balance of {$61000.00}, as of XXXX XXXX, XXXX, when I last pulled the credit reports. 

This is a clear violation of the fair credit reporting act and this account needs to be updated immediately, to show the correct date of default, XXXX XXXX. Essentially, it should not be showing on my credit report at all now.
Consumer complaint received 2020-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CO)

3-month forbearance granted - I vacated apt in TX and returned to property to effect repairs and finagle shelter for myself. My school shut down indef due to covid ; tenants in property both lost their jobs due to covid and I helped them by letting them out of their lease. Property highly desirable as rental - I just have to get my alternative shelter plumbed and inspected. WF promises that " we are here to help '' - but website does not offer the form they require, operator is never available, and agents ' VM boxes are all full. I am overnighting handwritten letter to WF. I will attach herein if I can.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I wrote a letter to EQUIFAX on XX/XX/2020 asking them to investigate some accounts. They responded on XX/XX/2020 that the accounts were verified. I asked for a description of the procedures on XX/XX/2020 and have yet to receive a response at all with the information requested. Here 's the list of accounts. 
XXXX XXXX XXXX XXXX balance {$5300.00} US DEpt of Education $ XXXX XXXX {$760.00} XXXX XXXX {$6.00} XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$0.00}
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/year> I opened a dispute with USAA ( dispute case number XXXX. ) re guarding a transaction on my checking account with XXXX for {$500.00} and another for XXXX for a paint job that was not done correctly. When opening the dispute I included dates, times, emails and pictures showing proof that the work was not done properly and that I never received a response from XXXX trying to resolve this matter. USAA refunded me the money then reversed the charges after a mistake on their end stating that they did not receive the information needed. I called and provided proof of the documents as well as emails again to USAA with no word from XXXX. Then after 6 months XXXX responds to USAA and tells them that they will resolve the issue. well at that point I no longer have the vehicle and the USAA claim should have been completed according to their policy. this has happened to me a couple of times when disputing items with USAA, you provide documents on your behalf that they just ignore.
Consumer complaint received 2020-04-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

The issue I'm having is getting Navient to release my cosigner after 14 years of repayment and over 2 years of consecutive on time monthly payments and meeting their criteria they refuse to release my cosigner.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I tried to fix mxy credit report with the credit bureaus but they don't do the properly investigation about my case. They don't want to eliminate accounts that I already paid, inquieries that I didn't authorized, and others.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

A payment in the amount of {$1600.00}, which was the last balance due as of XX/XX/XXXX, was sent and delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX on XX/XX/XXXX. I have attached the confirmation that XXXX XXXX received this payment. I have confirmed with my bank that XXXX XXXX held this check and never credited my account. Instead, XXXX XXXX continue to withdraw funds from my bank account in the months of XXXX, XXXX, XXXX, XXXX, XXXX and now XXXX. Now, XXXX XXXX charged me finance charges XX/XX/XXXX in the amount of {$320.00} and again in XXXX in the amount of {$310.00}. for an account that was paid in full since XX/XX/XXXX.
Consumer complaint received 2023-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

For the last 3 months I have been charged a Past Due Fee and for months before. I would be late by an hour or hours or even 1 day. Capital One can not waive multiple fees even though my account is in good standing. They have waived 1 month out of the x theyve charged.
Consumer complaint received 2021-02-20
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: EQUIFAX, INC. (MA)

CFPB, Equifax has committed multiple violations with my dispute with my XXXX XXXX XXXX account for payment made on time for the month of XXXX. After providing Equifax with factual proof of payment received and made on time multiple times Equifax continue to refuse to delete the inaccurate information on my account. CFPB please hold Equifax accountable for violating the Fair Credit Reporting Act. Multiple time with my dispute on this account.
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (TX)

I had a property loss regarding my home due to lightning  and subsequent fire. After receiving the check from my insurance company I sent the check for {$460000.00} to USBank after obtaining a signature from my wife and the secondary lender on the home. The check was received on XX/XX/2020 as I have the tracking from XXXX regarding overnight delivery. 

Going back the lender provided me with a list of items that would be required to start receiving funds for repairs to my home. Those items were completed by me prior to the check being sent. There was clarification needed on XX/XX/2020 for some of the documents which my contractor and I provided and were told this would be enough to satisfy the requirements to release funds. However after no funds were released I called again on XX/XX/2020 to discuss. I was told that a form which even the person who worked for the bank said she had never heard of and a floor plan. I asked why this was required and was told " because the amount sent to us is more than you owe ''. After calling my contractor the person was reassuring in the fact that the insurance estimate with drawings would be enough for this. However after no call back on XX/XX/2020 I again reached out to them. They then said this was not good enough and that they must have a floor plan to " gauge the square footage ''. Again not a requirement in the initial letter. I attempted to satisfy this requirement by uploading a picture of the floorplan from our initial plans. However the person told me that she couldn't access their own system of electronic uploads and I would need to fax if I wanted a resolution. 
I have spent well over 3 hours on the phone trying to talk with a supervisor about this problem and have been met with multiple excuses of why I can not speak with a supervisor. I have even told them I would hold until one is ready to speak with me. However I have been hung up on and disconnected two times and still no resolution. This is keeping me from rebuilding my home that my family is displaced from. I need a resolution ASAP to get funding to start rebuilding.
Consumer complaint received 2019-05-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc. (FL)

Money ( {$2400.00} ) was sent to the Google Wallet of my father ( who is deceased ) on XX/XX/2019. Google has locked this account and will not allow deposit into the linked bank account. As personal representative of the estate, I have provided documentation showing my authorization to act on behalf of the estate and deposit the money into the account. Despite numerous emails requesting a status update on the disbursement of the funds and closing of the Google Wallet account, I have yet to receive confirmation that the funds have or will be disbursed or a timeline for disbursement.
Consumer complaint received 2019-05-15
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is still reporting incorrectly to Equifax and XXXX. The collection company had agreed to delete these line items in XX/XX/2019 four months ago - however this is still appearing on my credit report. ( Please see page 12 of the attached credit report. ) This incorrect reporting is harming my credit score.
Consumer complaint received 2024-03-15
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CA)

Fraudulent charges were made to my account with XXXX XXXXComenity Bank XXXX XXXX. On XX/XX/XXXX I filed a fraud dispute with them. A letter from Comenity Bank dated XX/XX/XXXX confirmed fraud and states I am not responsible for the disputed balance. XX/XX/XXXX I receive a statement from Comenity Bank with a minimum due of {$30.00}. I call them which they said its interest/late charges initiated from the fraudulent balance. I was told the matter was taken care of and this is their error. I have received XXXX more statements since and an outstanding {$30.00} is now being reported to the credit agencies as non payment which has brought my XXXX XXXX down. I have called them twice XX/XX/XXXX & XX/XX/XXXX to resolve this matter. They refuse to help me and was hung up on with no return phone call.
Consumer complaint received 2019-05-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

PORTFOLIO RECOVERY ASSOCIATES is the debt buyer of which I do not have a contract with. Nor was I ever properly served to offer the opportunity to dissolve this account. During this time period indicated on my XXXX account the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been almost seven years reaching the statute of limitations. I am hopeful that you are understanding of the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of American charged me three {$35.00} dollar NSF charges for items that went through just before midnight on XX/XX/2019 but were still processing. Early morning XX/XX/2019 I deposited the funds to cover the checks that were processing. I called Bank of American and spoke to a representative and a manager to see if the NSF fees could be removed as I am a customer of 30 years and the checks were still processing. They refused stating that the funds cleared on XX/XX/2019 just before midnight. I have a  screenshot of my bank screen and the only things showing cleared are the three overdraft charges of {$35.00} dollars each. I was told by both the representative and the manager that there was nothing that they could do. The fees have not been paid out by Bank of American and the funds are there to cover those charge, so Bank of American is out nothing but as a consumer I am out {$100.00} dollars. If a fraudulent charge hits my bank I'm told there's nothing that can be done until it clears, but they will charge me three over draft charges while things are still processing even though there is now enough money to cover the checks. This may be legal but it is abusive to the consumer.
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

I am sending this complaint as I am being charged {$890.00} for an apartment complex that I moved out of in XXXX of XXXX. My father and I reached out to management with why I needed to break the lease and they stated I could move out without fees. I did notify management that I would be moving out before the 90-day notice due to me starting a new semester. At the time of turning in my keys, I was provided with an invoice with a XXXX balance ( please see attached ). Within the year I received mail at my new address stating that I owed {$930.00}. I reached out directly to the apartment complex and they stated I had a XXXX balance and did not know where this balance was coming from. I disputed with XXXX and unfortunately, my documents did not arrive on time to submit with my claim. Nation Credit Systems regardless continued to state that I owe them {$890.00}. Please see the attached for all the documents I sent to support my claim.
Consumer complaint received 2024-01-30
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. (MS)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$4600.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX