davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Changed home owners insurance companies for a better rate and was unaware I had to have wind insurance. When the bank asked for proof of insurance I sent in the proof and received a letter saying all was good I would not be charged for any insurance the mortgage company had gotten.. Then some time later I got a letter that said I had to have wind insurance. I contacted the insurance company to add the coverage from the beginning which was past already and they told me I could not change the policy I would have to cancel the present insurance and reapply with the wind which I did. I sent that to Wells Fargo and then got a letter saying I owed them {$210.00} or provide wind insurance coverage for the past time. I could not do it because the company would not let me and it was months after when they notified me. I never received insurance from Wells Fargo until I requested a copy of it which showed they obtained it in XX/XX/XXXX..I had already received a letter it was all good. I called multiple times over the weeks that it was one way one time and another. I explained to each and everyone what had happened. I got the same form letters until in XX/XX/XXXX I spoke to three different people who told me I would not be charged for it and of course they were all phone calls as that is the only way they do business by verifying who you are all required me to call them not any of it is documented on anything I have. I did get their names which I have included in the paperwork. I was going to put in a CFPB complaint months ago but they had told me it was taken care of. I have given them every opportunity to fix it and the right hand doesn't know what the left hand is doing and I get a different story every time. My present insurance charges around {$300.00} for a year for wind insurance and they charged {$210.00} for one month. The last representative XX/XX/XXXX told me they charge a lot because they have no idea of the property. That is totally untrue because they have every information about my property. If it had been reasonable I would have let them rip me off but this is ridiculous. I bet they make a fortune off people who won't take the time to fight it. I know I have spend much time on the phone and impatient with one person saying one thing and another totally saying the opposite is definitely frustrating. Please do not let these people rip me off.
Consumer complaint received 2019-11-05
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CT)

I have been constantly going back and fourth with equifax. Equifax stated here on XXXX/XXXX/16 that they where not showing frontier communications on my credit file. I spoke to a rep today and he informed me that equifax is still on my credit file. He also informed me that it was never deleted and will not be deleted as the account is still under investigation. He told me that despite me submitting the email from frontier they do not accept that as proof. If frontier continues to say this is my account then it will continue to remain on my account although the rep told me he could not find me by name, social, or date of birth or address. Apparently equifax has lied in their response to the CFPB with you will find attached. This account is seriously damaging my credit and needs to be removed asap. The are playing games that are damaging my credit. This is very unacceptable.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

I recently obtained a loan from BB & T bank in XXXX. In order to gain access to the online account I needed to open a checking account even though I had no desire to, but i did bc I wanted to see the loan online. The minimum deposit was {$100.00} which i made. I never used the account however when I looked this year, XXXX XXXX, I realized the account was shut due to being charged successive months on inactivity fees. I am very upset that this type of blatant gauging is still allowed. I received no notifications from my bank of the inactivity fees and was not aware of the inactivity fee when I opened the account
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I noticed 3 inaccurate accounts on my Equifax credit profile that you maintain under my social security number, therefore this may be a result of identity theft. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights per FCRA 604 ( A ) ( 3 ), and FCRA section 605B, which details your responsibility to block fraudulent information on my credit report that may have resulted from identity theft. I have filed my FTC and 605 B affidavit. 

( My notarized drivers license for identification and proof of residency is enclosed ). 

XXXX XXXX XXXX Incorrect High Balance Reporting/ Incomplete Account # Reporting Invalid information reporting by furnisher. The Fair Credit Reporting Act 609 ( c ) ( 4 ) requires the furnisher of this information to provide the date and amount of any checks which is based on late payment history by me. Not reporting 100 % accurate information per FCRA section 609 ( a ) ( 1 ) and the FCRA 623 ( a ) ( 7 ) ( G ) ( i ) and permanently delete this from my credit file per FCRA 623 ( b ) ( 1 )  XXXX XXXX XXXX XXXX- XXXXAccount # Please update this account to show {$0.00} balance " paid in full '' this account does not have a {$5700.00} limit, it is paid off XXXX XXXX Incomplete Account # XXXX reporting and Incorrect high balance reporting NOT comply with FCRA 609 ( a ) ( 1 ) by not reporting the entire account and accurate account number, this is not reporting 100 % accurate information. Inaccurate account not in compliance with FCRA Section 623 ( a ) ( 1 ) ( C ) permanently delete this from my credit file per FCRA 623 ( b ) ( 1 )
Consumer complaint received 2022-05-14
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. (NY)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 166B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1681 section 602 A I Have the right to privacy.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (CO)

Experian keeps putting Security alerts or Fraud Alerts on my account WHEN I HAVE NOT REQUESTED THEM TO DO SO. They are doing this because I keep asking for verification of items on my credit report and they are not abiding by the law. They want to tell me to check with the original creditor and that is not how I understand it works. If this credit bureau is going to report information that is negative and directly impacts my credit score it is up to them to investigate and furnish me with proper documentation that they are reporting the correct information. I will submit a complaint daily if I have to in order to get this company to do as they are required to by law. They are refusing to provide me proper physical documentation stating that what they are reporting is complete, accurate and verifiable. Instead they keep stalling, asking me to go to the original creditor and when i do they refuse to provide documentation. So if section 609 of the FCRA is supposed to keep the bureaus honest it is failing. Experian is refusing to obey the law. I am demanding that they remove all Fraud Alerts from my file and stop placing them on there to avoid doing their job. These guys are hurting me, I guess I have to get an attorney and sue them and ask a judge to make them supply me documentation of what they are reporting. Just to take the word of a creditor does not meet FCRA guidelines. I am demanding that they remove the alerts and provide me physical proof of what I have written them about or remove the negative items immediately and stop playing games. I am sick of getting their stall tactic letters in the mail. If you oversee their reporting then someone needs to fine these guys each time they violate the law. They do not have sufficient proof to put fraud alerts on my Credit nor sufficient proof to keep listing Negative information against me SO REMOVE THE ITEMS AND FRAUD ALERT IMMEDIATELY AND STOP PLAYING GAMES WITH MY CREDIT FILE. THERE IS NO LAW THAT EVEN SAYS YOU HAVE A RIGHT TO COLLECT AND REPORT ANY INFORMATION AGAINST ME. YOU ARE FRAUDS AND THIS NEEDS TO STOP IMMEDIATELY.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I applied to join XXXX XXXX XXXX for a home loan. They use a service called Chexsystems that has provided information to XXXX that I did not pass Chexsystems approval process and now I can not move forward with my mortgage loan at XXXX XXXX XXXX. I called the service and they will not review the infomraion they provided to XXXX with me preventing me form moving forward with my loan application.
Consumer complaint received 2021-08-01
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-02-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days now but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I am using PayPal for selling bitcoins  and that's totally legal thing to do. I didnt do anything wrong. I am just trying to earn extra because my husband was just diagnosed with XXXX XXXX. I did provide all documentation they need yet they provided me an info that I am under age even if I'm already XXXX years old. And now they are holding my money which I badly need for XXXX of my husband. My email linked to my PayPal is XXXX. Please help me on this. Thank you.
Consumer complaint received 2021-12-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I trusted CHIME banking with my money and as a horrible company that they are they allowed someone within the company XXXX every single dollar that I had worked hard for and was depositing to my so I thought secure checking account. Around XX/XX/2021 I realized that someone stole XXXX from my account and chime the minute I did a dispute, didnt even allow 24 hours of a supposedly investigation to happen and denied my dispute with statements saying that basically as the consumer I was a liar. They do not provide actual investigation facts and try to rob people from their hard working money! I am disgusted by this company and need help to get my money back ASAP!
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXX I sent a dispute request to XXXX  regarding late payments and balance inaccuracies that were being reported on my credit report from Navient. Although I sent XXXX  a copy of my credit report highlighting the inaccuracies, XXXX did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? 

On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. 

On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. 


Navient reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. 

How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. 

NAVIENT WAS SUED IN XXXX What is the Navient lawsuit? 
The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued Navient in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. 
Among other things, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. 

So how were you able to verify these inaccurate late payments are correct?? Where is the proof
Consumer complaint received 2024-11-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (CA)

Failure to Disclose Notice of Sale and GAP Insurance Credits by Flagship Credit Acceptance I am writing to formally notify the Consumer Financial Protection Bureau ( CFPB ) regarding the refusal of Flagship Credit Acceptance to provide essential disclosures related to the repossession and subsequent sale of my vehicle. Despite my repeated requests, Flagship Credit Acceptance has failed to disclose the following critical information : 1. **Notice of Sale** : The lender has not provided the required notice detailing the sale of the repossessed vehicle, including the sale price, as mandated by applicable state laws. 2. **GAP Insurance Credits** : I have requested information regarding any amounts credited from my Guaranteed Asset Protection ( GAP ) insurance that were applied towards the sale price of the vehicle and the remaining loan balance. This information is crucial for understanding my financial obligations following the repossession. Under California law, lenders are obligated to provide a detailed accounting of the sale of repossessed vehicles, including the sale price and any credits from GAP insurance [ [ 3 ] ] The lack of transparency in this matter not only violates my rights as a consumer but also undermines the regulatory framework designed to protect borrowers from unfair practices. I urge the CFPB to investigate this matter and take appropriate action to ensure that Flagship Credit Acceptance complies with its legal obligations. The failure to disclose this information is detrimental to my financial well-being and may constitute a violation of the Consumer Financial Protection Act.
Consumer complaint received 2021-02-13
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. (CA)

I sent 50 pages dated Todates here nows ones days XX/XX/XXXX, XX/XX/XXXXyear ( s ) s towards Equifax a dispute to update my name change decree on the credit file website became in fax option communication by telephone help on Equifax.com membership I had have had am to becoming of me towards having I pay paid for by plan of wellness action. The fax was sent went through to the number provisioned given no not one response, no change to the credit file name sakes XXXX XXXX XXXX XXXX, name change decree addendum inside its page ( s ). This is XXXX XXXX year I sense. I sent beginning of papers on trust account to the service online personnel help provisioned fax number to me to use to submitt stating he could is to update the name in the computer member system receiving towards the fax I am sent papers on not a credit file can be found pertaining to my personal information comments to a XXXX  card is not an state issued SSI card it is in the dates created to use, the card a ssi card to my name XXXX XXXX XXXX I was born aka also known as by government to use at times XXXX. The Equifax is rude biased out to date me, Im youthful. Descrimination by age is did occuring todate XX/XX/2021. Please correct this by having the credit brutes update the name decree towards XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX I did get a suffix in my last names sakes to the first middle name intials. XXXX is to my name today spent moneys time energy towards their communications in XX/XX/2021 by us postal mail. I didnt receive mail at the correct address listed. The address on the file is outdated the apartment number isnt effective efficient effical to doing 1 % business at me, mine file, to a 100 % mean median ratio average personnel experienced on deck credit bureaus decades todate, today XX/XX/2021. Thanks for having them update the account to my mobile home address I own at XXXX XXXX XXXX XXXX Ca XXXX its reminder is great! Thanks XXXX XXXX XXXX XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX An addendum to XXXX XXXX XXXX at XXXX Ca XXXX.
Consumer complaint received 2016-11-20
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (OH)

What Happened? 
I signed an Auto Lease with XXXX, Ohio, dated XX/XX/XXXX, that was instantly assigned to Ally Financial, the writer of the lease. The lease was a preprinted Ally SmartLease. At Lease End, Ally 's Appraiser allegedly appraised the vehicle and determined there was excessive wear and tear ( Paragraph 25 ) of {$290.00} because there was a large paint run and excessive bondo on the right front fender. PLEASE NOTE : The vehicle had not been painted and no bondo had been applied to the car. 
Per Paragraph 35 ( b ) Ally was required to sell the vehicle. No Sale Occurred. Instead Ally transferred the vehicle to another XXXX dealer using the bogus appraisal as the realized price. PLEASE NOTE : The car was driven 11,000 miles less than the lease provided and the new dealer marketed the car as " certified vehicle '' in excellent condition. I constantly, and continually, raised these issues during my 20+ phone contacts with Ally representatives. Despite my protests and denial of liability, Ally notified all three Credit Bureaus that I had incurred a bad debt. Ally 's actions were designed to damage my excellent credit score. Ally 's actions constitute blatant, intentional consumer fraud designed to extort money from me. These actions represent a continuation of Ally 's pattern and practice of consumer fraud. Note : Copy of Lease can be provided although it copies poorly ( blue carbon paper ).
Consumer complaint received 2016-04-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (PA)

I have had a Barclays credit card for years, in addition I have XXXX delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers {$2700.00}. dollars. On XXXX XXXX, I received a letter in the mail that my limit is being lowered because I had a XXXX fico score from XXXX ( XXXX ). According to XXXX XXXX is good credit and with XXXX delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. 

They are using a ROBO style decision that will hurt XXXX 's of people applying for school loans, insurance or even jobs. I feel if you dig deeper, Barclays is looking to lower their credit exosphere because of the recent failed capital requirements. They are cutting and hurting highly qualified people like myself. I take great pride in my credit and I now with lower credit limits, they will cost me higher rates, higher insurances so they can show they have enough capital. This not fair, and personally working in financial credit risk for XXXX years, if you looked at their practice, a lot would be exposed.