davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (WA)

In XXXX of XXXX  I applied to be put on the SAVE plan on my student loan with Nelnet. I was first told to apply by mail, for which they gave me a fake address that resulted in my application being returned to sender. 

They later accepted an electronic application to which they have yet to respond to despite requiring payments on my loan for 6 months. 

Additionally, I attempted to add a bank account for autopay to take advantage of the interest rate reduction that comes with doing so. They responded by putting my account into forbearance to ensure they remained collecting interest.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (OK)

I was on a payment plan with American Express where we agreed they would draft {$160.00} on the XXXX of every month. In early XXXX, I paid the card in full. On XX/XX/2020, I received a letter from American Express stating that I have completed the payment plan. The letter specifically says " The scheduled payments set up as part of your participation in the Program have now ended. '' Also, the letter says I can chat on their website with questions. 

Today, XX/XX/2020, a payment was drafted for {$160.00}. I got on the website and tried to cancel autopay, but there is not an option. The website also says I am scheduled to be drafted again on XX/XX/2020 for {$160.00}, which I don't even owe. I chatted with a representative and asked them to please cancel this. They said it can only be cancelled by calling a special number. I explained to them I have issues with my cell phone and can not easily make calls, as well as a very busy work schedule that conflicts with the hours they are open. They said they can not help me and indicated that they will continue to draft the payment I do not owe unless I call a certain number. 

Considering I received a letter that says my scheduled payments have ended, this is highly deceptive and unfair. They are making it hard for me to cancel an auto payment when I don't even owe them money.
Consumer complaint received 2020-10-16
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: Experian Information Solutions Inc. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2020-10-16
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. (PA)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-19
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. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX, TN Collecons : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX, TN XXXX Employer : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX Collecons : XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

MY MORTGAGE ACCOUNT AT CITIZENS ONE IS XXXX i have been trying to reach citizen one home loans for a long time. There are always long hold times. 
THIS IS UNACCEPTABLE. 
ALSO many of the reps are foreigners which impedes on customer service. 

in XXXX, i was assessed a late payment fee. we all know the postal service is messed up during XXXX  pandemic. they shouldn't be charging fees. 

please take care of this ASAP THANKS, XXXX XXXX
Consumer complaint received 2016-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (OR)

On XX/XX/2016, I bought a XXXX contract at Target that included a Galaxy S5 cell phone. The phone HAD TO BE returned within 2 weeks to cancel the contract. I found XXXX 's rates too high and their service unreliable. Just before I bought the phone, customer service told me that this would not cause my rate to rise. After I bought it, they changed their minds. The new rate for the XXXX phone would have been over {$1000.00} per year. On XX/XX/2016, I returned the phone to Target before the XXXX deadline and got a receipt ( see p. XXXX of XXXX ). XXXX has been lying about the return date and billing me for an " early termination fee '' ever since, in spite of repeated attempts I made to correct this ( p. XXXX of XXXX ).
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy Federal credit union told me that if deposit was cash my money will be available immediately with a Co op atm. 
I have a family emergency now I can not make it due to them putting a hold on my account. 
They won't contact or have a 3way with the other back to the bank atm company to verify it was a deposit with cash. 
Navy Federal stated that on their side it does not show if it was cash deposit. 
I have been trying for 3 days going back and forth with Navy Federal and XXXX XXXX XXXX XXXX XXXX on getting a company of my deposit.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: The Bureaus, Inc. (MN)

Collector calls me at work about once a month and I 've asked to not be contacted there. Is extremely rude, tells me i 'm irresponsible and belittles me on the phone. I 've tried to discretely answer questions while at work, but caller is pushy and not willing to listen to reasons for missed payments.
Consumer complaint received 2015-06-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc. (MS)

I am not even 30 days late on my payment and Tower Loan called and left me a message was at work so I could n't get the call so Tower Loan XXXX XXXX Ms called my reference and told them that they were calling from Tower Loan and for me to return their call.
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TransferWise Ltd (CA)

Someone used my card on WISE INC, Thinking of this comapny because the name of this company shows in my statement! They have charged {$20.00} from my card. 
And XXXX XXXX XXXX also charged me some cents several times. 
I am not aware of that transaction.
Consumer complaint received 2021-02-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

My lender is breaching terms and reporting lates when I made all the required payments. Here is a brief summary below ... 

On XX/XX/XXXX I received an alert from my credit report saying my score significantly dropped from a missed mortgage payment. In XXXX of XXXX I made my mortgage payment and shortly after Covid-19 hit the country. Carrington Mortgage offered a forbearance plan for 6 months. I went ahead and accepted the forbearance plan for 6 months. The forbearance started in XXXX of XXXX. In early XXXX I received a letter saying that my forbearance was approaching its 6 month end and I needed to call to find out what options I had. When I spoke with a customer service agent at Carrington in early XXXX of XXXX I was told that I had some options of either a payment plan, mortgage assistance or paying in full. I was told anything after the XXXX of XXXX I would acquire late payments and fees. On XX/XX/XXXX I called and spoke to a customer service agent and we made arrangements of paying everything in full. The payment I made was {$7700.00} and that was to cover from XXXX to XXXX payments. I was told that my mortgage loan was in good standing and my online mortgage access has been restored to make future online payments. From that day I have made XXXX, XXXX & XXXX payments. When I called today I was told that my XX/XX/XXXX was missed and it was 180 days late. I do not understand that when I made a payment in XXXX with a lump sum to get back into good standing how this even occurs. This puts my family in a very bad spot with me being the provider and taking such a hard impact on my credit score. I refinanced my past mortgage loan with Carrington and I have never missed a payment. I needed assistance with the forbearance because of Covid-19 so I used those 6 months to get everything back on track. When my 6 months were up I made good on my payments. All I am asking is that this derogatory mark get removed from my credit report and my score hopefully comes back.
Consumer complaint received 2015-06-08
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

My complaint is against Paypal. Back in 2001 I was on a Paypal account which had a chargeback. Since then the company I left the company I had been working with and set up my own Paypal account. About 10 years later, Paypal took away my personal account and stole the money that was in it at the time ( XXXXXXXXXXXX ). I have tried to work with them since then and their representative told me, and I quote " you are simply XXXX ''. I ask for the help of the CFPB here. I did file a XXXX statement when they stole the money which I will attach to this complaint.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Army and Air Force Exchange Service (NY)

This XXXX will never go into default! How is that possible? 
The company is also using my social as the acct number which means any employee has accesses to my full name and social. 
The card has been gaining interest for the last 3 years so its grown to 10 times the money I actually owed. 
Some one needs to look into what this company is doing to vets.
Consumer complaint received 2015-11-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Corporation of America (TX)

This is a followup to case XXXX. Per this case, Financial Corporation of America had stated the debt was valid and that an itemized bill ( which was part of my original request ) would be sent to me. I never received the itemized bill. I had not pursued this issue, as I had not received any correspondence. Last week, I again received a collection notice without any of my original concerns being addressed. Today I received a bill from Financial Corporation of America 's customer 's service providers as well which also did not detail the billing.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (TX)

Equifax has not removed the credit inquiry from XXXX XXXX place on XXXX XXXX, 2016. They advertise they have 30 days to remove the inquiry if incorrect. They are not reading the original complaint Case number : XXXX. This needs to be removed as it was not authorized within my original complaint. Equifax consider this my demand to remove it immediately. I will not stop complaining until it 's corrected or I 'll have my attorney handle it directly. This is being used for documentation purposes.
Consumer complaint received 2016-03-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (CO)

My mortgage was sold to PHH Mortgage on XX/XX/XXXX, prior to that it was serviced by XXXX XXXX. I have spoken to XXXX XXXX and my last payment was applied correctly on XX/XX/XXXX for the XX/XX/XXXX payment. Which meant that my first payment to PHH should be applied to the XX/XX/XXXX Payment. On XXXX XXXX I made a payment in the amount of XXXX to be applied to the XX/XX/XXXX payment and on XXXX XXXX I made another payment in the amount of XXXX for the XX/XX/XXXX payment. I have been monitoring the account online since then. I noticed that my account was showing that the due date for the next payment was XX/XX/XXXX. I contacted them 2 weeks after the payments were made and was told that the second payment was misapplied to principle and would be backed out and applied to the XX/XX/XXXX payment. I contacted them again today XX/XX/XXXX. After being transferred 4 times I was now told that both payments were misapplied. I was told again that they would " fix '' it and apply them correctly, but I would have to wait 7-10 days, then I was told 3-5 days then told that it would be fixed today but I still would be unable to have confirmation until Tuesday. I asked what is going to happen when I make a payment this month that should be applied to the XX/XX/XXXX payment. I was told there was no way for them to guarantee that they would apply that payment correctly and I would have to monitor my account. This is absolutely ridiculous, PHH is supposed to be a loan servicer they should be able to properly apply payments to the account. At this point the only acceptable resolution is to have my account transferred to a servicer that can handle accepting monthly payments.
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2024, I opened a checking account with Wells Fargo Bank at [ branch location or online, specify which ], where I provided all required personal information accurately, including my social security number. A copy of the customer receipt from the account opening, which I retain, clearly shows the correct social security number as provided. 

The following day, XX/XX/2024, I set up online banking and updated my contact details to include an additional phone number, as my initial XXXX XXXX number was not accepted for verification purposes. 

On XX/XX/2024, complications arose : I attempted to verify my identity over the phone using the last XXXX digits of my social security number and was informed that the digits did not match their records. Upon escalation to a second-level support staff, it was disclosed that the last XXXX digits of my social security number had been recorded in reverse order in Wells Fargos system. 
Additionally, on the same day, I tried to file a XXXX form online as part of opening a brokerage account. The automated system also rejected my correct social security number, claiming it did not match the records on file. However, when I reversed the last XXXX digits, while keeping the first XXXX digits in the correct order, the automated system allowed me to proceed. I did not complete the filing with incorrect information and aborted the process. 

These incidents indicate a severe mishandling of my personal data between XX/XX/XXXX and XX/XX/XXXX, and such errors not only raise significant concerns regarding data security but also violate federal regulations concerning the accuracy of customer information. Despite notifying Wells Fargo of these mistakes, the bank has yet to amend the error. 

I am seeking the CFPBs assistance to ensure that Wells Fargo conducts a full investigation into how my social security number was incorrectly processed and to compel the bank to correct my personal information in their records. Additionally, I am requesting that Wells Fargo take appropriate measures to prevent such occurrences in the future and provide a formal apology for the inconvenience and potential risk this situation has caused.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.