davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

In XX/XX/XXXX, I asked NELNET to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, NELNET sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low XXXX XXXX to low XXXX on all 3 credit bureaus. I went back and forth with NELNET the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by NELNET that the new servicer will not report the late payment. Despite showing NELNET accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have NELNET corrects the error on my credit report. 
thank you.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

I had a pending transaction that would have made my account go negative if it had posted, but it was only pending ( and ended up not going through because it had been charged early. ) This resulted in the bank charging me XXXX overdraft fees totaling {$140.00}! My account is- {$110.00} ... Meaning there was money in there, {$30.00}. They refuse to waive any of the fees. Even after I had spoken to someone on XX/XX/12 who told me {$76.00} would for sure be reimbursed and that they COULD waive the overdraft fees. There were no notes and the agents I spoke to today refused to help me at all and basically told me I am incorrect when really, it is basic math. And Pending transactions should not count against you, only if they CLEAR.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (MD)

After a purchase of our home the mortgage was sold to Mr. Cooper ( https : //www.mrcooper.com/ ). Everything was smooth until we decided to refinance our home with XXXX. We obtained a payout amount which was valid past the date of our settlement date. Our new mortgage product was such that it was split into two parts and therefore the bank sent two separate payout amounts to Mr. Cooper. When Mr. Cooper obtained the first payout amount, they applied part of it to the current month 's mortgage, and as they explained, since it was not the full payout amount, they applied another payment to the following month 's mortgage ( which included about {$2000.00} in interest ). When all the accounts were settled, we were still missing about {$2000.00} and no one could explain to us where this money went. We tried to call Mr. Cooper 5 times and each time we got hung up on. Finally they sent us a payment schedule, which did not explain how or where the {$2000.00} went. We reached out to our new bank and asked for their help. All three parties got on a phone and were told the same story : Mr. Cooper doesn't owe you anything '', but we persisted, because 2+2 was not adding up to 4. So they escalated - and surprise - we got hung up on AGAIN! 40 min later, we finally got through to another escalation agent, who told us that the payment was applied to the month of XXXX and when we enquired what the interest of that month is - it was approximately the {$2000.00} dollars that have been missing from our equation. Needless to say that they also did not prorate the interest for the month of XXXX although they only serviced our loan for the first 9 days! This is very wrong and a way for Mr. Cooper to pocket extra $ $ $ from unsuspecting and non-diligent consumers, who trust that the banks do the right math. We have not received a correction or a refund yet. 

This sounds like a deliberate way of conducting their business and needs to be addressed by a regulator or a Class action lawsuit. 
https : XXXX
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/22, I contacted XXXX XXXX XXXX ( XXXX ) requesting a copy of my consumer report. The reason is because they are sharing false information to Transunion about me in the form of a bankruptcy. They responded stating that they do not have the authority to provide me a report that they are furnishing about myself and I have to contact the data source directly to request changes or a deletion of the information. However, they said they obtained the information directly from the federal bankruptcy courts which I know is false because the courts do not provide such information to any credit agencies or third parties. Not only are they lying, but they are also breaking the law. 

Their misuse of inaccurate information has caused me tons of trouble in the process of buying a home for my family and is ruining my credit reputation. 

I have proof from another data furnisher showing the bankruptcy is not on my report.
Consumer complaint received 2022-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Capital One is reporting a charged off account with a balance of {$460.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.
Consumer complaint received 2021-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC (VA)

Received loan, received 1st statement XX/XX/2021 for loan. Made {$30000.00} payment. In XXXX, there was no statement sent, no contact stating there was an issue with statements. Website showed I made a {$30000.00} payment and 1 auto payment of {$190.00}. No balance was provided, no ability to pay off account unless you guessed the balance. 
XXXX XXXX I looked, no information since XXXX XX/XX/2021. No email stating there was an issue. No way to find current balance. I wound up calling the company to find out the balance as I had wanted to pay off the account since XXXX. The company was quite aware that no statements went out in XXXX OR XXXX ... and they apologized, then let me know my current balance after my payment, had gone from {$9300.00} to {$9600.00} ... and increase of {$330.00}. 

My concern is the company : A ) Had billing statement errors, provided no notification, and no visibility or ability to see current balance, even with an active online system. 
B ) Managed to still charge interest to customers while failing to comply with federal regulations. 
C ) Provided no way to see balance or ability to pay off balance without guessing. 

I can't even call if I don't remember their name because I don't get statements.
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

I made complaint # XXXX in XXXX and have not heard from CFPB except to tell me my complaint has been sent to the institution that denied my financing of my home for fraudulent reasons. This is unacceptable service : 2-months. Please look into my problem and help me resolve the issue. Your Agency isn't doing a very good job.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (CO)

BMO Bank alleges that on XX/XX/2024, there were fraudulent deposits and withdrawals made from my checking account. On XX/XX/2024, BMO withdrew {$11000.00} from my checking account to cover the allegedly fraudulent withdrawals. Despite multiple requests, BMO has refused to provide me with any documentation that the fraudulent withdrawals occurred, and particularly, if they occurred, that they were not the result of bank error. I filed a previous complaint ( # XXXX ) with the CFPB on XX/XX/2024. BMO responded to that complaint in writing on XX/XX/2024, stating they were reimbursing my account {$18000.00}, which they did. As a result, the previous complaint was closed. On XX/XX/2024, BMO reneged on that commitment and withdrew {$9700.00} from my account. Both the BMO withdrawals on XX/XX/XXXX and XX/XX/XXXX caused significant financial hardship for me because I then had insufficient funds in my account to cover checks I had already written.
Consumer complaint received 2020-12-07
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: General Motors Financial Company, Inc. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

This is my second attempt disputing COMENITY BANK/XXXX  # XXXX, an account that has already been paid off and still remains on my credit report. The account needs to be deleted from my credit report immediately. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ).
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (FL)

The bubbles provide did not accurately describe my problem. I believe Comenity Bank/VCTRSSEC illegally accesses my credit report. Not only did I NOT apply for a line of credit them I did not supply my SSN # nor did I give them my DOB. Yesterday XX/XX/2021 ) I was shopping online I bought 1 item from Victoria secret ( VS ), at checkout I supplied payment with my personal Visa and completed my purchase. About 30 seconds after my purchase I received an email from my credit monitoring service that Comenity Bank/VCTRSSEC attempted to access my credit? Per my credit monitoring service they told me to contact that bank, so I did. Upon calling I was forwarded to the fraud department. I explained what just happened and the rep. said he needed my SSN to look into it. I told him that I was not going to supply that to him, could he look under my name since that should be on file if someone tried to open an account under my name. He told me NO and that I probably accidently clicked something to apply. I told him that would be impossible since I would have to supply my SSN # and DOB and agree to the card and agree to have my credit pulled all of which I did not do. I have shopped with VS online many times before and never had an issue, but the fact that my credit was pulled within 30 seconds of checking out with VS I believe this company is using illegally obtained information i.e. SSN # Dob etc how else would that have that information? I have NEVER had a VS card or any other clothing store cards. I would have though maybe someone was trying to use my SSN if it didn't happened so quickly after my purchase. Also after looking at some stories online I found that this bank has a history of opening lines of credit that were not solicited and the people have no idea how they obtained their personal information. My personal information has been breached a few times so its possible this company has illegally obtained my information from one of these breaches and once they had confirmation of my name and address they linked me and tried to open a line of credit. This is very serious and the fact that they told me they needed my SSN # to look into it and suggesting that I might have accidently applied is ridiculous
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I have sent off a letter to National Credit Systemsfor account number XXXX, they have continuously defamation of my character by reporting this debt to my credit. I have sent them a Validation of Debt in XX/XX/XXXX they responded on XX/XX/XXXX with a letter stating they have yet to find sufficient evidence to validate this debt, the only thing they attached was a bill this could have been from any where my signature is no where on a print out, they have continue to report this debt to XXXX.I have also continued to write XXXX to let them know this company will not validate this debt to remove from credit. I have sent them another letter on XX/XX/XXXX no reply. this is was my final option I have sent another letter on XX/XX/XXXX they will not validate this debt I have asked them to remove this from my credit. I have attached all correspondences letters along with my Certified receipt.
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Since XX/XX/2021, I have notified Equifax that they are reporting inaccurate information regarding an alleged bankruptcy and they still have not provided the information to show that they are reporting complete and accurate information : XXXX XXXX XXXX XXXX FLORIDA | DOCKET # XXXX | Date Filed : XXXX XXXX XXXX XXXX XXXX  | Status : Discharged Your cooperation in this matter will be greatly appreciated.
Consumer complaint received 2021-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (DE)

In either late XXXX or early XXXX ( can't remember the exact timing ) I went to the American Express website as I was shopping around for a new credit card. I used their 'see if you are pre qualified ' feature before exploring more, where I was presented with the cards with AMEX I was prequalified for. 

One of them was the Platinum card where I was offered a sign up bonus of XXXX with {$5000.00} in spend within the 1st 6 months. Also added on to that was a grocery / gas bonus as well which I'm not disputing in this request. So I applied, was approved. I recently noticed I was given a welcome bonus but it was NOT the XXXX feature. I used the Customer Service chat feature where I was connected with a representative. I was told offers change all the time. I clearly understand that and the representative was not even addressing my issue. I was presented with a XXXX offer which is why I applied. The representative made no offer to do research on their end to see that I was really presented that offer.
Consumer complaint received 2023-02-21
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. (TX)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 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 XXXX
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

I have contacted Westlake Financial in regards to a used auto loan I took out back in XX/XX/2011. I have asked for them to correct the misinformation they placed on my credit report about being late on a payment ( S ). They have been reporting this for over 10 years and will not respond or remove. I have even contacted all 3 bureaus to have it removed and not one of them will remove is when disputed several times.
Consumer complaint received 2022-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2023-04-08
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NY)

I have been trying to access my account with chime.com going on 3 weeks. I have sent roughly 20 emails with my ID and proof of address to have my online account unlocked because I think that I have been scammed on my bank account. I call everyday and I get the same answer every-time. They are very rude and not professional. Can someone with in your organization help me get some information and my money from this bank.

I have also submitted about 10 disputes that have not been worked or even reconized. Thank you
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I tried to remove a security freeze from my file and haven been unable to reach anyone at Equifax to do so. Anytime you call you get a fast busy signal or the system hangs up on you. 

I also have a ton of fraudulent inactive accounts on my file I tried to dispute.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (NY)

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Discover Bank, and here is my account number : XXXXXX/XX/2024 they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is supposed to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.