davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-12
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. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US Dept of ED/XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MD)

In XX/XX/XXXX, my credit score was XXXX when I was looking at auto finance options. 
In XXXX, I started a refinance on my home. I saw on credit report Target {$28.00} missed payment. I immediately called Target and paid the balance in full {$130.00} having had no idea there was an overdue balance. I requested Target investigate the charges and their notifications processes. I have made two more requests for Target to investigate. I did not receive any emails ( or USPS mail ) from Target about a balance/payment, due/past due, statement ready or payment received. I did not receive any emails from Target for the charges on my card, the shipping of items, or the balance overdue on my card. I pay all of my credit cards online and receive emails for all of these notifications. Target refuses to remove this from my credit reports. Also, since I paid Target {$130.00} on XX/XX/XXXX, I have not received a confirmation of payment or a statement ready email. I do have a confirmation # for proof of payment. Target does not confirm communications are sent/received to/by their customers. When there is an issue with emails being sent/received they do not investigate to resolve the issues. I found 3 other people that have the same problem with Target. They, like me, had no idea items were charged to their credit card. They had not idea there was a balance was over due because they did not receive notifications in email or via USPS mail. Target has not investigated or resolved their issues. This has and will continue to substantially hurt my credit score. I have contacted Target over XXXX times to remove reporting from my credit. I also paid XXXX to Target so it would not continue to be reported. And they refuse to investigate why communications were not sent to me. Why didn't I receive the emails ( we confirmed the email address which has not changed ) and why didn't I receive USPS  mail notifications of payment ( s ) being late? On all three calls to Target, I was told they would investigate their communication process errors. Since XX/XX/XXXX I have been working from home due to Covid 19. Did Covid-19 affect their processes? The 3 other people that have not been able to resolve the credit reporting and lack of communications from Target had great credit, too. Yet, like me are giving up because Target will not assist to resolve. But they were quick to report without any notifications to their customers.
Consumer complaint received 2019-01-05
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Fair Financial Corp. (MD)

I am a XXXX XXXX XXXX XXXX with a vehicle that I've been leasing with through the company I XXXX  for. I've been making double payments each week for the last three weeks and was able to take {$910.00} off of the total balance of my vehicle, which was behind due to my inability to XXXX and make the funds. Back in XXXX I was planning on driving the last week of XXXX into XXXX, only to find out that I could n't XXXX with my registration expiring. While attempting to update the registration, I was told by the vehicle administrator that my name was not on the vehicle. The leasing company never included my name as power of attorney, and after going almost two weeks with them trying to get someone to fax over a power of attorney, I was missing out on my days to XXXX. Luckily I've been lowering my payments with the doubling up every week. On XX/XX/2019, I made payment of {$220.00}, and the company 's rep informed me that my car was in repo status. I have been doing my best making double payments and told the rep that I would have a minimum of {$600.00} paid by next Friday. But they are threatening to take my vehicle. I have been willing and able to make multiple payments and it shows in the system, however, the company refuses to work with me to allow me to make the multiple payments to bring the total down.
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MA)

On XX/XX/2020 I filed a claim ( # XXXX ) with Wells Fargo due to my car had gotten broken into and my purse with my personal belongings had gotten stolen. Therefore my secure information had been compromised, my license, ssn, debit card and most importantly my cell phone. My cell phone did not have a secure PIN number which therefore compromised my information in my cell phone that included my personal online banking information, my passwords and usernames to other institutions as well. I filed my dispute with Wells Fargo because when I had finally logged into my email later that day I had noticed they were sending me alerts and receipts that someone was logging into my account and was also withdrawing money from my account. As I begun to shut my card on and off, the thief was turning on my card on their end. When I was able to use someone else 's phone due to mine being stolen I had called Wells Fargo and they had shut down my online banking as well as my debit card. By this time the thief had already withdrawn {$1200.00} total from my account. I continued to dispute these charges with Wells Fargo who would not give me a credit and had told me I had to wait 10 days for an investigation. I then called another 10 days later and they had advised me that they found no fraud on my account and they would not return the money. I spoke with a representative and thoroughly explained that I had never spent that amount of money in 1 day, which they can confirm from my previous transactions. I also had all my information compromised due to my stolen purse, phone and information. The representative agreed and assured me she would give me a credit and that at the end of the investigation this would be resolved. I asked if the department needed my police report or any further information and she confirmed that they did not want or need my documentation. It is now XX/XX/2020 and the {$1200.00} was withdrawn from my account from Wells Fargo. I spoke with 2 representatives and they poorly explained that the department decided this was not fraud and they would not accept my documentation. I also explained to them this was never told to me and that I was assured my money was returned and the claim would be resolved. Because of COVID-19 the random withdrawn amount was careless and I explained that to the WellsFargo representatives. They told me, '' It does not matter what is going on in the world, we can not help you. " They refused my documentation and stated they could not release their own proof of the claim. There poor empathy and thoroughness will never again want me to bank with Wells Fargo again, they are the true thieves.
Consumer complaint received 2023-08-12
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. (GA)

n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I acquired a new credit card with Capital One. Using Capital One 's online service, I initiated a transfer of a balance of {$1200.00} from another card to my new Capital One account. A few days after the transfer showed that it had posted to my new Capital One account, my other credit card still had not been credited. I contacted both my credit union, where I had the older card, and Capital One to inquire. I discovered from Capital One that the transfer was done electronically, but the physical address attached to the transaction ( for verification purposes, I assume? ) was for an address I did not recognize. I asked my credit union about this address and was told, after some investigating, that it was for a bank in XXXX XXXX in no way associated with either my credit union or the credit card I have through my credit union. My credit union informed me that it was highly unlikely the transfer ever would be completed because of the incorrect address. When presenting this information to Capital One, customer service representatives were contradictory and refused to cancel the transaction at my request. They agreed, at best, to initiate an investigation and told me it could take up to 30 days. They could not explain how an incorrect address was attached to the transaction, not would they credit my account while their supposed investigation took place. I'm nearly a week into this process and carrying a {$1200.00} balance on my new Capital One card for a transfer that never happened.
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (VA)

Today, XX/XX/XXXX, I logged onto my lenders website. Amerihome Mortgage. I used their online system to attempt to defer my mortgage payment for afew months as my income has been affected by the current virus. Amerihome claims deferment is not an option, only a forbearance which will require I pay all 3 months off as soon as the forbearance is over. That wont be possible, and is also not what has been told to the American people by the government.
Consumer complaint received 2019-01-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION (CA)

The company website give you a option to pay the bill via your bank using the bill pay. My bank delivered my payment to the Oportun company on XX/XX/18. The company applied a late fee {$14.00} because they claim they don't check the PO BOX daily for payments. They gave the in date of the payment XX/XX/18, but i should be XX/XX/18. The website does not inform the customers that it might take a few days for them to get the payment from the PO BOX .
Consumer complaint received 2019-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (CA)

THIS COMPANY HAS LIED TO ME. THEY HAVE INCREASED MY RATE 5 % AND THEN CHARGED THAT RATE ON BACK PURCHASES. I MADE A COMPLAINT TO THIS OFFICE. American Express WAS ABLE TO IGNORE MY COMPLAINT. THEN THERE WAS A PROBLEM WITH A PAYMENT DUE BY XX/XX/XXXX. APPARENTLY IT WAS PAID ON XX/XX/XXXX. THE PAYMENT WAS PAID IN FULL AS TO THE OBLIGATION AND PAID IN FULL AS TO THE NEXT MONTH 'S OBLIGATION. THEN THEY DOUBLED THE INTEREST RATE. I COMPLAINED AND THEY PROMISED TO PUT THE INTEREST RATE BACK TO THE 15.99 % THE RATE THAT WAS INCREASED BY 5 %. I CALLED THE CUSTOMER SERVICE ON XXXX 19 AND THE SUPERVISOR TOLD ME THAT MY INTEREST RATES ARE NOW 20 % AND 25 %. THEY LIED AND CHEATED AND I AM HORRIFIED BY THIS COMPANY. I HAVE HAD AMEX CARDS FOR 25 YEARS AND THEY HAVE TREATED ME LIKE GARBAGE IN THE PAST 3 YEARS. RAISING RATES IN THIS FASHION IS AN ABOMINATION.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

I missed my XXXX payment with Affirm. In order to catch up, I made two payments to Affirm in XXXX. On XX/XX/XXXX I made my final payment to Affirm early before my XXXX due date. Affirm reported to XXXX that I was late in XXXX. They also reported no available information for XXXX. Then Affirm reported XXXX as being late even though I paid off my bill early before my XXXX due date.
Consumer complaint received 2019-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Eagle Home Mortgage, LLC (VA)

In XXXX of XXXX, my wife and I contracted to buy a house in XXXX XXXX in XXXX Virginia from XXXX homes. The address is XXXXXXXX, XXXX, VA XXXX. As part of the loan process with Eagle Mortgage, a subsidiary of XXXX XXXX, an appraisal was required. The purchase price of the house was {$370000.00}. The appraisal valued the home at {$460000.00}, an {$85000.00} increase in value of the purchase price. Instant equity, we were told. Less than a year later, we were looking at potentially selling the property only to be told by several real estate agents that the best we could hope for was a sale price of {$350000.00} based on current real estate data. Not only a loss of our instant equity but a reduction in value of {$25000.00}. Something is wrong with his scenario. There has been no recession and the fact of the matter is the home had an inflated value solely for the purpose of securing a mortgage. When I reviewed the appraisal form, I could not find any realistic justification for the original appraisal. As an over XXXX year old lifetime resident of the Commonwealth of Virginia, I feel there is some level of fraud involved in this situation. Fraud against anyone is unjustifiable and fraud against seniors is indefensible. 
Remember the mortgage crisis of 2008? Overvalued appraisals were one of the leading causes. 
Are the appraisals being fraudulently overvalued? Is Eagle Mortgage, which hired the appraiser complicit in these transactions? 
I would respectfully ask that this situation be investigated, as this type of financial manipulation is wrong and potentially illegal. 
I can be contacted at XXX XXX-XXXX Thank you,
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NY)

On the SAVE plan, my monthly payment is {$290.00} and is indicated on my account as such. When forbearance ended, my payment was due XXXX but the amount due was {$370.00}. On XXXX I sent MOHELA customer service a message asking to have the amount adjusted to the SAVE plan amount of {$290.00}, but received no response. I made the full payment of {$370.00} on XXXX to avoid any consequences of a late or missed payment. I also sent them another message on XXXX after I made the payment asking for the difference of {$85.00} to be refunded, but received no response. 

My next payment is due XXXX and the correct amount of {$290.00} is due.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Im writing to inform you about an ongoing issue Ive been dealing with involving identity theft. It appears that a company or possibly a lawyer has been filing incorrect public records in my name, including false legal filings like bankruptcies. These records do not belong to me, and I believe theyve been intentionally submitted by an external party. This situation has caused significant damage to my financial standing and credit report. Im currently working to dispute these fraudulent filings, but I wanted to make you aware of the situation as I continue to resolve it.
Consumer complaint received 2020-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

A REPLACEMENT CREDIT CARD SENT TO ME VIA USPS WAS STOLEN & FRAUDULENTLY USED TO MAKE A PURCHASE AT A XXXX STORE IN XXXX XXXX  FOR {$1000.00} ON XX/XX/20. 
I WAS NOTIFIED BY TEXT & EMAIL ON XX/XX/20 & CONTACTED CAPITAL ONE STATING IT WAS NOT MY PURCHASE. THEY REVERSED THE CHARGE ON MY CARD. THEY INFORMED ME THAT A REPLACEMENT CARD HAD BEEN MAILED TO MY ADDRESS, I TOLD THEM I NEVER RECEIVED THAT CARD. THEY ALSO SAID IT WAS AN ACTUAL PURCHASE IN THE STORE. 
ON XX/XX/20 THEY REINSTATED THE CHARGE TO MY ACCOUNT, & NOTIFIED ME BY MAIL RECEIVED XX/XX/20 THAT IT WAS NOT FRAUDULENT ON XX/XX/20 I CONTACTED CAPITAL ONE QUESTIONING WHY & HOW THEY DETERMINED IT WAS NOT FRAUD. 
I EXPLAINED I NEVER RECEIVED THE REPLACEMENT CARD & WAS TOLD THEY WERE NOT AWARE OF THE FACT THAT THE CARD MAY HAVE BEEN STOLEN. 
I ALSO EXPLAINED THAT XXXX IS 490 MILES FROM XXXX & EXTREMELY UNLIKELY THAT I WOULD TRAVEL THAT DISTANCE TO MAKE A PURCHASE AT XXXX. THEY CONFIRMED IT WAS THE REPLACEMENT CARD USED & WOULD CONTINUE TO INVESTIGATE. 
THEY DID NOT RESOLVE THE ISSUE & IT IS ON MY BILL. NOW I WILL BE OUT OF POCKET {$1000.00} DUE TO A RIDICULOUS METHOD OF ACTIVATION OF A CREDIT CARD & EXTREMELY LAX & INCOMPLETE INVESTIGATION OF A FRAUD. 
I AM ABLE TO PROVE THAT I WAS IN XXXX XXXX  AT THE TIME OF THE FRAUD
Consumer complaint received 2019-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I requested an IDR plan via studentloans.gov on XX/XX/XXXX, about a month before my first payment would be due to XXXX XXXX. They sent me a bill for {$310.00} and only billed me for my loans from undergraduate. I have new loans now because I just finished grad school in the summer of XX/XX/XXXX. I called them on XX/XX/XXXX to check in about why my IDR application hadn't been processed because I knew the payment they provided was too high. The person on the phone told me that the application hadn't been processed and I had to request forbearance to avoid making a payment so I requested a forbearance and now, 12 days later, it was never processed and there's no record that I requested as forbearance. I submitted a complaint through their ombuds and they told me that I never requested a one month forbearance on my original IDR application and they sent me a copy of a paper application ( I completed the application online ). I'm on the phone with them now and they're telling me that I need to pay a minimum of {$5.00} to switch my loans to an IDR plan and that my IDR application is done, yet my account still says I'm 12 days past due and that I owe them {$1300.00}. At no point have they contacted me to tell me my IDR application was approved, to tell me what my payments would be, to tell me what loans do or do not qualify. There is a " request summary '' on my account homepage that has a status bar that says they received my IDR request, but nothing further has been done. I'm on the phone now with XXXX # XXXX and he's telling my application has been processed, I just need to pay a {$5.00} min to get my loans switched over to a new plan. I'm so confused and angry because every time I call their customer service folks give me different answers. They don't know what they're talking about and then they don't follow through. There was a note on my account that said they weren't going to do the forbearance because my loans were in queue or something of that nature. He's now saying that the person tried to place the forbearance on all my loans instead of the ones I was originally billed for, which is why the forbearance never went through. I paid the {$5.00} minimum and the customer service person, XXXX, notated this on my account. I'm not sure why I had to pay {$5.00} for my request to be processed however.
Consumer complaint received 2019-05-21
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. (IL)

Equifax, XXXX, XXXX, XXXX  XXXX {$450.00} XX/XX/XXXX, XXXX  XXXX {$610.00}  XX/XX/XXXX, XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX inquiry XXXXXX/XX/XXXX-XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX-XXXX XXXX -XXXX   XXXXXX/XX/XXXX I sent police reports and they still will not remove victim of fraud
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NJ)

I am writing to dispute the following information in my credit report file. 
Original Creditor XXXX Open Date : XX/XX/XXXX Account Name DIVERSIFIED ADJUSTMENT Account Number XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
I disputed this charge with XXXX but Diversified Adjustment, a collections company, claims I owe XXXX {$450.00}. 
I have never used a XXXX phone or a product. I have never received a bill from XXXX for this amount. Have I received a bill from XXXX, I could have called XXXX, and fixed this mistake myself. Yet this charge of {$450.00} appeared all of a sudden on my credit report as a delinquent charge. 

I believe I am a victim of Identity Theft and someone with out my knowledge has used my personal details to do business with XXXX to commit credit fraud or other crimes. Apparently a party who will benefit from this collection effort is Diversified Adjustment. 
This item is - Original Creditor XXXX, Open Date : XX/XX/XXXX, Amount {$450.00} is inaccurate. 
Under penalties of perjury, I certify that I have never opened an account with XXXX, nor I have purchased any product or service from XXXX for the past 10 or 15 years ( or even prior to 10 or 15 years ).
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I had a checking account with Bank of America. It was a fairly new account. On XX/XX/2019 my account was closed for no reason. Turns out they can close it at anytime without reason or notice. Then on XX/XX/2019 my direct deposit went to the bank. Instead of returning to my employer they accepted it. Dont know how you accept a deposit on a closed account. Anyways went to bank and was told they couldnt give me my money. Closing my account that has never been overdrawn is one thing but keeping my money is not acceptable. The total is just over {$2100.00}. They say it will be mailed to me. I use my debit card for everything so how do I get the things I need or pay my bills on time. I have good credit and plan on keeping it that way. I was one of five people this happened to last week.