davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

XXXX charged my card {$75.00} on XXXX. Then on XXXX they charged my card again for the SAME amount. I disputed the charge. The XXXX receipt that XXXX provided to Citibank references the XXXX trip. Yes, XXXXXXXX XXXX response proved my point. 

I received no goods or services for the XXXX XXXX charge. I painstakingly provided Citibank tons of documentation yet they still aren't able to process the information. They simply can't understand it. I just received a letter from Citibank that states they didn't receive a " complete response '' among other falsehoods.
Consumer complaint received 2022-04-26
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX 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 that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-10-20
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. (SC)

XXXXXXXX XXXX sent these two letters in an attempt to verify two charge offs on my CR. These are not my accounts and I DID NOT REQUEST A FRAUD INVESTIGATION FROM XXXXXXXX XXXX. ( See attachments ). XXXXXXXX XXXX on this website stated they were not contacting me on my issue anymore however they are sending letters implying that Im requesting a fraud inquiry. I have Not contacted XXXX XXXX since XXXX by certified letter requesting removal of the charge offs. Since that time XXXX XXXX has performed unrequested inquires and fraud investigations without my approval attempting to verify a debt thats not mine. The 3 CRAs are simply parroting inaccurate unverified information from chase bank. Now I feel like Im being harassed by XXXXXXXX XXXX who will not comply with the guidelines of the FCRA in reference to inaccurate unverified information placed on consumers CRs.
Consumer complaint received 2022-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (MD)

On XX/XX/XXXX, My loan was sold to Westlake Portfolio Management from XXXX XXXX XXXX. I contacted Westlake Portfolio Management today XX/XX/XXXX, to settle the debt. My loan started XX/XX/XXXX, purchasing a XXXX XXXX XXXX XXXX for {$15000.00}. I offered Westlake Portfolio Management {$5500.00} to pay of the loan due to me leaving XX/XX/XXXX to join the XXXX XXXX. I was advised by Westlake Portfolio Management they are unable to settle the debt based on their provisions. However, they were unable to send me an agreement that state they could not settle the debt. I also never signed an agreement with Westlake Portfolio Management. To date, I have paid {$26000.00} towards the loan. I do not think the offer is inappropriate being as though the additional money given was {$10000.00}. I also asked for Westlake Portfolio Management and XXXX XXXX XXXX contract agreement with all payments. After everything was transferred my amount increased and not sure if any additional fees or interest were added.
Consumer complaint received 2024-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal Credit Union did not lawfully obtain consent in accordance with the GLBA and FCRA to share nonpublic personal information, resulting in material misrepresentation, fraud, and identity theft pursuant 15 USC 1681a ( q ) ( 3 ) and Texas Penal Code Section 32.51. Navy Federal Credit Union is in unlawful possession of the consumers private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without authorization.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NY)

PNC and BBVA bricked my bank account. They also misled and deceived me into thinking there would be no interruption of service when they knew there would be.

BBVA notified me via email on XX/XX/2021 that BBVA is merging with PNC, stating : " Its official, we can now share with you that BBVA USA is part of PNC. **There is nothing required from you. Continue to bank as you do. ** Over the next few months youll receive additional communications from PNC. '' ( ** indicates bolded original text. ) On Friday ( XX/XX/2021 ), when I tried to deposit several checks and transfer funds to and from the account, I found both the BBVA mobile app and their website to be in " view only '' mode. I have since been unable to use my account at all. They gave no warning ; in fact on the contrary, per the statement above in bolded text saying, " There is nothing required from you. Continue to bank as you do. '' That was, it turns out, totally misleading and deceptive marketing, and in fact is patently false. 

In trying to resolve the issue I downloaded the PNC app, hoping to be able to log in there, but after several attempts ( using the same credentials as I use to log into BBVA, per their instructions ) they froze my account. Scouring the BBVA website for any help, I found an FAQ article stating that as of Tuesday, XX/XX/2021, PNC would 'begin transitioning accounts. ' No indication as to when I might be able to use my account again. Checking their website again right now shows, " The conversion of BBVA USA customer accounts, products, and services to PNC is anticipated for XX/XX/2021. '' We're nearly halfway through XXXX. 

I have even checked my spam folder to see if I've missed any " additional communications '' from PNC as advertised initially, but there is nothing there. 

In short, BBVA and PNC bricked my bank account with all the money in it.
Consumer complaint received 2024-10-23
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2018-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (PA)

On XX/XX/2018 I tried to refinance car again. The credit union denied my application again. She said the reason is the car XXXX more than it is worth. My credit is not good enough it need to be XXXX mine is XXXX. My ratio is XXXX meaning that they think that I wouldn't be able to make the monthly payments. I co-signed a car loan for my daughter and her credit is worst than mine. I was trying to see if they would approve it without her this time but it was still a no. We brought the car from XXXX XXXX they said that after 6 months to a year we could refinance the car with a credit union and build our credit up together. My daughter has not missed a payment and never a late payment. I didn't think that we would even be approved because my credit is a maybe and her credit is bad. We were financed through Exerter Finance. I called them and explained that the interest rate was too high could they lower it since were in good standing and never late. The interest rate is XXXX. They said go to a credit union, I said we tried that several times and XXXX XXXX said the same thing the car payoff amount is too much higher than the car is worth. Exerter said they don't refinance. Why is it legal for them to give us a Predatory Loan. How did we even get approved, if a person credit is not good enough to Refinance a car then they should not be approved for a car loan. I would like Exerter to lower the interest rate since we have proven that we can pay the car loan on time. Most of the money is going to the interest and not the principal. Can we sue them for Predatory Loan? What are our rights as a consumer?
Consumer complaint received 2021-03-27
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: NIC, Inc. (OH)

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to NEMO 'S COLLECTIONS # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma (NY)

I attempted to dispute transactions within the standard regulation E time frame. XXXX and their sponsored bank, Credit Karma, do not follow Reg E, nor do they follow regulations tall. I was told by a rep that I would have access to my account to transfer my funds out. I received a letter of closure of the account ; effective this afternoon, my account was closed. On top of closing the account, reps from Credit Karma claimed that they would call me to resolve my issue. They apologized for " violating regulations, '' which isn't acceptable. They violated the law and discriminated against minorities and people of XXXX, and I am an XXXXXXXX XXXX XXXX  falling under that precedence. Furthermore, I am XXXX, and there are many complaints against XXXX  bank regarding XXXX  members, shame on XXXX for enabling discriminatory tactics in their business model.
Consumer complaint received 2018-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IN)

WIFE OMITTED FROM MORTGAGE : 1. All through the application process, the basis for this mortgage hinged on ALL JOINT accounts and an existing Rental property which is in BOTH names 2. Wife & I have existing mortgage ( originated in 2012 ) ( with both names ) WITH WELLS FARGO on another home in XXXX 3. Through conversations with Mortgage Consultant, XXXX XXXX, I wanted the mortgage in XXXX to be the same. 
4. ALL Supporting documentation which was uploaded to Wells Fargo include my wife : 5. JOINT Tax Returns for XXXX & XXXX 6. JOINT Bank Account Statements 7. Rental Property Lease Agreements :  In order to qualify, I needed to prove the property had been rented for the past two years. LEASE AGREEMENT CLEARLY LISTS BOTH ME & MY WIFE AS LANDLORD. 
8. APPRAISAL ( XX/XX/XXXX ) : Lists Borrower as XXXX XXXX and XXXX XXXX XXXX. WELLS FARGO ORDERED THE APPRAISAL I DID NOT. ( Uploaded ) 9. CLOSING DOCUMENTS : Mortgage ( Closing Date : XX/XX/XXXX ) Page 1. Wells Fargo lists Borrower is XXXX XXXX XXXX and XXXX XXXX XXXX Page 14. Required signatures under BORROWER are both XXXX XXXX XXXX and XXXX XXXX XXXX ( Uploaded ) 10. CLOSING DOCUMENT : Preferred Payment Plan Enrollment Form ( from WELLS FARGO ). Asking for signatures from both XXXX XXXX XXXX and XXXX XXXX XXXX. I do not need my wifes signature when authorizing automatic deductions for a utility bill which may be in my name only. Why would they require BOTH signatures here?? ( Uploaded ) Immediately following the closing my wife called XXXX XXXX and requested that her name be added to the mortgage. He was uncooperative, trying to put the blame on me. He actually made the statement ( and laughing ) that even his wife was not on HIS mortgage.which was a very sexist remark. 
Through the following weeks, this issue got handed off to different people who never offered a solution other than to initiate another refinancing-swept under the carpet. 
More red tape and bureaucracy developed when my wife called to get information regarding the loan & application. Well, since she was not on the mortgage, Wells Fargo would NOT speak to her until I signed a form authorizing her access. XXXX XXXX and ALL OF WELLS FARGO MORTGAGE OFFICERS KNOW THINGS LIKE THIS WILL HAPPEN. WHY DONT THEY PROTECT THE WIFE??? Just like it is written in Luke 26 : 46-47, Beware of the scribes, .. who devour widows ' houses I have also spoken with several Customer Service representatives, getting nowhere.
Consumer complaint received 2021-03-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

Navient is misapplying payments and claiming past due balances plus adding fees to the past due amount even though all of my payments have exceeded the minimums due and have been paid by the due date. 
Examples : XXXX Statement : Total Payment Due : XXXX by XX/XX/2021 XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including a past due amount of XXXX and a fee of XXXX XXXX Statement : Payments since last bill : XXXX ( actual payment XXXX on Mon, XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including no past due amount or fees XXXX Statement : Payments since last bill : XXXX ( paid XX/XX/XXXX ) ; Total payment due : XXXX by XX/XX/2021, including past due amount of XXXX and fees of XXXX. ( XXXX scheduled to be paid on XX/XX/XXXX ) This has been an ongoing issue with which I have spent hours on the phone with Navient trying to resolve. The last representative I spoke with understood the issue, empathized with it and raised an internal audit request. All other conversations have been met with defensiveness and excuses.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have checked my credit report and I have discovered a fraudulent account that is actively being reported on my credit report, this fraudulent account is XXXX XXXX XXXX opened on XX/XX/XXXX with the account number XXXX, also I have discovered fraudulent hard inquiries, the hard inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, please remove this information from my credit report as soon as possible.
Consumer complaint received 2022-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This problem has existed for over a year. I have filed many complaints because the Credit reporting agencies refused to report on my account XXXX XXXX XXXX account accurately. 

I most recently filed a complaint on the credit reporting agencies complaint number XXXX. I was a whistleblower on a government contract were the contractors lost their contracts and millions of dollars. Since reporting I have been retaliated for speaking out. My finances and credit cards has been attacked. I have filled several complaints with CFPB with very little traction. I filled above complaint number on XX/XX/XXXX. 

Here is another prime example of retaliation. You filed my complaint XXXX days ago showing that XXXX XXXX was a business account and also the visa account was paid by my company XXXX XXXX. For complaining about the credit companies Equifax dropped my credit score by XXXX  points. Please open the attached documents. Equifax dropped my credit score by XXXX points. The reason quoted on the attachments stated payment history changed. to 54 %. But Equifax on XX/XX/XXXX is reporting " You've made 75 % of payments for this account on time. XXXX XXXX XXXX was opened XX/XX/XXXX. Equifax is not showing all the years my company has been making payments. THIS IS NOTHING BUT RETAILATION. 

Please had this retaliation to my complaint.
Consumer complaint received 2021-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (IN)

Good morning, I am filing a third complaint in regards to my online banking I had with chime. I ran into a issue with chime during sometime around XX/XX/2020. The issue that I came across was my account being closed due to not being in compliance with the policy! I was very confused but was willing to take any additional steps to retrieve my account and also my balance so I have been in compliance with them! I have sent over legal documentation from 1099-C forms, documentation from the state of Illinois stating I received my benefits rightfully, personal statements and much more info asked of me from Chime but I was still found to not have sent over enough sufficient information an have been refused the right to receive my refund back! I am very upset and its highly disappointing to trust a banking system them have your money stolen right from you by a company you thought you can trust! I am still being told to get in contact with the originator who deposited the funds to my account during the time it was opened ( which I have multiple times ) but I was informed it would be up to chime bank to release my funds. I unsure as to why I cant retrieve my refund when its rightfully my money and have given more than a sufficient amount of information to prove so!
Consumer complaint received 2022-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

On XXXX XXXX I called Equifax in regards to a dispute I made for an account listed as XXXX XXXX. I spoke with XXXX and I have never been so humiliated. Then I requested to speak with a supervisor and the both of them gave poor service and had an attitude throughout our conversation. Dealing with these type of people your dispute will never get resolved. The initial creditor informed me they sent over legal documentation for removal of the account and Equifax said they didnt receive but I have proof the creditor sent it over several times. Equifax is opening themselves up for litigation.
Consumer complaint received 2022-04-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (IN)

I do no know the origin of this loan as when I contact Navient they state they have no record of me at all. However I have two charge offs my credit report in which I disputed and they reaffirmed as XX/XX/2022. How can you re affirm a debt you can not prove the orgin of? I am trying VERY diligently to purchase a home and this is standing in the way of me having a stable place to live. I need these two negative items removed from my XXXX credit report so I can have a home.
Consumer complaint received 2021-08-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (MO)

I XXXX XXXX entered into a consumer credit transaction with Westlake Financial Services on XX/XX/2018. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Westlake Financial Services took cash. The finance charge is supposed to include insurance, but Westlake Financial Services made me purchase insurance separately. Westlake Financial Services has reported late payments ( when I should not have payments ) and a repossession ( resulting from a a 30 day " late payment '' ) to consumer reporting agencies which reflects negatively on my report and is adverse to me.
Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.