davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NC)

My husband and I filed for bankruptcy in XX/XX/XXXX to avoid a lawsuit by XXXX XXXX XXXX, our mortgage servicer. After the independent foreclosure review findings in XX/XX/XXXX of fraud and wrongdoing of many banks, we received a {$3000.00} payment, but were still paying on our bankruptcy. We successfully completed our bankruptcy in XXXX of XXXX, but are now facing credit issues because of the bankruptcy. We would never have filed bankruptcy if XXXX XXXX XXXX, who bought our mortgage from XXXX, had worked with us on repayment, as XXXX had done. My husband and I would like our bankruptcy removed from our credit reports, as it was obtained under duress and under false pretenses. We need help with how to dispute this on our credit report. 
Thank you, XXXX and XXXX XXXX XXXX XXXX, NC
Consumer complaint received 2016-04-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (FL)

On XXXX XXXX, XXXX purchased a new vehicle from XXXX XXXX XXXX Fl vehicle is financed with Omni World Financial Retail XXXX XXXX XXXX XXXX TN. XXXX. My account number on this loan is XXXX XXXX Toyota Tundra. On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle with an ERRONEOUS open date of XXXX XXXX, XXXX? On XXXX XXXX, XXXX received a credit alert that a new account was reported to XXXX on this vehicle and again ERRONEOUS information reported stated new account opened XXXX XXXX, XXXX I did n't purchase the vehicle until XXXX XXXX, XXXX? Today XXXX XXXX, XXXX at XXXX EST I called World Omni Financial/XXXX XXXX XXXX and spoke to a representative on the erroneous information reported to these XXXX Credit Agencies and told her that this erroneous information reported is the fault of Omni World Financial and must be corrected by them! I received pretty lousy service from the agent and she told me that it 's my responsibility to correct these errors and conversation ended! This is a serious matter and why do I have to spend my time and financial resources to correct a problem that is solely the fault of Omni World Financial and some clerk not paying attention neglecting to input the correct information into the Credit Reporting Agencies!
Consumer complaint received 2016-04-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, Several years ago I took out a line of credit home equity loan from Wells Fargo Bank to perform home improvements on my prior home in XXXX, XXXX During this time my family and I moved from XXXX, XXXX XXXX, XXXX for a job opportunity. During this time we were unable to sell our home and it was foreclosed upon. At the same time I filed for Bankruptcy that which included the line of credit loan, which appeared to have been assigned to a XXXX law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently my children and I moved back to XXXX ( XXXX XXXX area ) in XXXX XXXX and continued to pay the BK amount for the year. Subsequently, I received a letter which informed me I was not paying enough and the BK was being withdrawn. The amount owed for the WFB account was XXXX {$33000.00} ( which is confirmed on the XXXX website ). In XXXX, I received a letter from a XXXX court informing me a court order of garnishment for XXXX {$100000.00}. I have requested an accounting of the amount they have listed to validate/confirm the amount. XXXX XXXX XXXX XXXX letters have been sent to XXXX XXXX XXXX without any response. 

There are several issues that are quite unclear. 
How can a court rule without notifying me of a hearing date and then pass judgement? 
How did the outstanding amount go from XXXX {$33000.00} to XXXX {$100000.00}? 
Why have they not provided me with an accounting? 
I do not live in XXXX and have not for several years, should this not be handled in a court XXXX? 
When I moved to XXXX the court that handled the case was in XXXX and the reason I was given was because this is my place of residence. Now that my place of residence is XXXX should it not also be handled in the state of residency. 

Please help me in getting a response and a new hearing to validate the outstanding amount.
Consumer complaint received 2016-04-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

This company takes peoples escrow and does not pay the taxes or insurance. This is stealing. They need to be investigated. They are profiting off people by means of fees, extra payments. They send out statements after theyre due then charge the homeowner with a late fee.
Consumer complaint received 2016-04-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX 2015, my husband and I applied for a HELOC to consolidate debt and cover childcare expenses. We were told by the bank that we were not eligible for the product because we were not account holders, despite being account holders for many years. After that was corrected, we submitted the required paperwork to the bank and we were approved for a Home Equity Loan, not the requested HELOC, without consulting with us regarding the change to the application. Once again, the bank corrected their information, we collected and resubmitted all updated paperwork again, and we were approved for the HELOC product. We were then offered XXXX HELOC product options of which one was chosen immediately upon the offer. We then received an email from the bank that was intended for XXXX of their bankers, not us, that the offer that was made and accepted had changed yet again. This 5 month process has been unnecessarily complicated and drawn out due to the banks gross mishandling of their processes and has put our family in a stressful place. As responsible account holders, we seek immediate resolution.
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

I completed a REPAYE Loan Payment Application in XXXX 2015. The new administrative rules from the Department of Education caused a delay in processing the loan application. Specifically, I was required to opt out of the IBR program ( 2 months processing time ), then make a payment under 10 year payment program or request a reduced forbearance payment to qualify for the REPAYE program ( 2 months processing time ), before the REPAYE program can be processed. This issue is causing me to loose 2 - 3 months qualifying payments under the Public Service Student Loan Repayment Program.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

have sent over XXXX letters to both attorneys office and office of the collector -- got nothing back -- will not respond to anything. in court they act like they know nothing. lawyer does. have mail delivery receipts -- wont respond or anything. I made a payment via XXXX XXXX money order and it was cashed and deposited and nothing reflected. have copy of money order and mail delivery receipt and it still show I did n't pay and now they are trying to garnish my wages.
Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (WA)

We have a l ocal Toys 'R ' us credit card. We had a balance t hat we believed we paid in full, we called and paid {$300.00} and change for that purpose. Somehow there was a balance that hit the card after, we at best, were told perhaps a billing charge was applied after we paid. That {$6.00} charge sat on the card for over {$30.00}, we did not know it was there and it dinged or credit harshly, dropped  XXXX  pts.     My family has worked for years to keep our credit rating up and have n't had a late payment on anything for years. That {$6.00} hurt us like it was hundreds or thousands and should have never been on the card in the first place.     We want the report struck from our credit. We are furious. We just paid the card and are waiting for the balance to clear and cancelling it. This was absurd.
Consumer complaint received 2016-04-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (VA)

I have XXXX 5 year notes with BB & T that is due in XXXX XXXX. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. 
Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX, ( 6 months before it was due ), they could work with me. '' There is also a XXXX % fee for early pre-payment. I told them that 1 ) I was not going to pre-pay off the note early 2 ) I would refinance the note with another lending agency in XXXX XXXX. 
In XX/XX/XXXX, BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again, why would an appraisal fee be necessary if I clearly stated I would not rein finance with them? 
2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am, in XX/XX/XXXX, still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX, 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes,, and since I disputed these fees, my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXXXX/XX/XXXX - CLOSED ACCOUNT. Opened XX/XX/XXXX - Today, I contacted the number for XXXX XXXX from my XXXX credit report. I was told that the account is currently in collections for the balance, although it reports Paid/Closed. I was advised that I should contact the bureau regarding how they are reporting the account. I informed XXXXXXXX XXXX that the claim was filed with the CPFB. They stated that they notified the store of where the merchandise was purchased. They stated they would send the update to the credit bureau. They provided email on where to send screenshots of how it was reporting in my credit. I spoke to the manager, XXXX. I requested the email of the CEO and they did not have it. They stated that they only report to XXXX and XXXX. They werent sure on how Equifax reported when they dont report to Equifax . I disputed to the credit bureau in the past and was advised that the update was accurate information, although it is an inaccurate. For XXXX, the reinvestigation information was unchanged and the Dispute Took place XX/XX/XXXX. Equifax has been disputed in XXXX, XXXX, and XXXX with no result or update.
Consumer complaint received 2016-04-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (FL)

Peoples Bank is practicing what they called XXXX banking in the XXXX 's. It began by the bank charging {$10.00} on a small checking account. When I called to close the account I was told I had to drive from XXXX to XXXX. Instead I wrote a check to take the balance to zero. They chose to accept a direct debit against a zero balance of XXXX to collect a XXXX fee. Any review of the notes they could have easily seen I wanted to close the account. Instead they continued to charge service fees on a zero balance accounts Today this day is why the XXXX distrusts the XXXX banks
Consumer complaint received 2016-04-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: NAVY FEDERAL CREDIT UNION (VA)

Some one hack my dibit card I told them I did n't make the purchase but they paid it any way, resort for every bill came due they added fees for over draft, then my automatic was deactivated and my bills was not being paid which was report to the reporting companys, no told me automatic was deactivated and late was being reported and late fee'e add to amount due to me account. This whole problem could have been avoided if the credit union had not paid a bill due to hack I received an email about the purchase I replied by I did n't make are authorized the purchase, I called the credit union and told them I did n't make the purchase, at that point it had not been paid even after them I did n't make the purchase they still paid it and added overdraft fees for all bills that needed to be paid by automatic pay from my checking account everyday checking, and then they deactivated the account with out notice and my bills was not being paid
Consumer complaint received 2016-04-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MA)

A person with my name ( XXXX XXXX ) has applied for a mortgage from Chase. Someone at Chase incorrectly noted his email address as XXXXXXXXXXXX, which is my email address. So now we have : - me : XXXX XXXX from XXXX ( email is XXXXXXXXXXXX ) - borrower : XXXX XXXX from XXXX ( email is unknown ) Sequence of events : - I received an email from XXXXXXXXXXXX on XXXX/XXXX/2016 asking me for tax information. I responded the same day indicating that I did not apply for a mortgage. 
- After receiving additionals emails, I called Chase customer service to resolve. They were unable to assist me, because I do not have a Chase account. They suggested I email XXXXXXXXXXXX, which I did. 
- The abuse account response indicated they could only interact with me via a secure web portal, and that I was to log in using my Chase account information. I responded by pointing out that I am not a Chase account holder. 
- I then received an email to confirm registration to a secure Chase portal. I was pleasantly surprised that Chase had figured out how to enable secure communications without me actually being an account holder. Upon confirming the registration, I discovered that the account was for the " other '' XXXX XXXX : it contained mortgage disclosure documents. 
- Concerned about identity theft, after 3 hours of calls to Chase, I finally spoke to the mortgage broker who originated the application ( XXXX XXXX - XXXX ). He confirmed that the " other '' XXXX XXXX has a different address and different last XXXX SSN digits. He promised to try to " disconnect '' my email address from the other XXXX XXXX 's account. 
- On XXXX XXXX, I received a call from Chase with questions about my account. A Chase employee asked me to verify my address and SSN last XXXX digits. Curious, I provided my information. The Chase employee then began to discuss my mortgage application. I immediately told her that this was not my application, and asked her to confirm whether my address and SSN were on the mortgage application. She paused, and admitted they were not. ( XXXX check right there. ) She promised to attempt to remove my email and phone number from the account. 
- Today ( XX/XX/XXXX ) I received another email prompting me to log into the Chase " secure portal '', only to discover my email account is still bound to the " other '' XXXX XXXX 's mortgage application. So now I have access to another person 's mortgage documents, and Chase can not figure out how to correct the situation.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Recently I look at my credit report and noticed several on my account. this account is hurting my ability to obtain credit Its my understanding that XXXX, XXXX and Equifax will investigate this account for me to ensure accuracy here is the account. I am asking you to verify as accurate : account here. 

XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX {$770.00}
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I recently looked at a copy of my credit report and I noticed that there were some things on my credit report I had no knowledge of also a few inaccuracies. I sent a dispute letter to all three credit bureaus ( XXXX, Equifax, and XXXX ) I sent this letter more than 35 days ago and the credit bureaus have yet to respond. That is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681 ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CT)

Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). I did receive an email from a XXXX XXXX whom Ive been unable to reach by phone, he requested a phone conversation. He was advised I could pay XXXX by end of month, however, he was unable to comply with lowering payment amount. Again, the account is past due and over limit, there are additional late and over limit fees added on. I checked the account today, XX/XX/XXXX, it still shows XXXX due. Please do not mark this as duplicate, additional information is enclosed. The account in question ends in XXXX
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (TX)

I have a business account with Navy Federal, I did a business sale transaction on a investment property. The funds were being deposited in my business account. I received the check from the buyer which was sent from XXXX XXXX partnering with XXXX XXXX. Once I received the check, I took it to Navy Federal and deposited it into my business account. The check was for the amount of {$140000.00}. The transaction got canceled on the buyers end and the temporary credit in my business account was reversed. Navy Federal froze my accounts stating fraud even know I told them the transaction was canceled. No funds were withdrawn and the {$140000.00} check never cleared my account. Navy federal has sense froze all my accounts and closed my business account because of this transaction. This transaction cancellation was not my action. The buyer had to cancel for their own reasons and that was explained to Navy Federal. Navy Federal took extreme measures and froze my accounts even though I have an appeal pending with the fraud team. Navy Federal never called me about this, they sent me an email saying my accounts were restricted. This will cause a financial strain on me as my VA tuition money and my retirement pay allotment gets deposited in these accounts as well as trying to reestablish a business account is a big inconvenience. I feel Navy Federal discriminate against minorities and they go to extreme measures. The check was written by a financial institute, so they had to verify funds before they sent the check. The check did not clear because the sale transaction was cancelled. I don't understand how that equals fraud and extreme measures without contacting me. Very unprofessional.