davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (ME)

Received XXXX denial letters, XXXX for XXXX XXXX XXXX & XXXX ; the other for inhouse modification, dated XXXX XXXX, 2016. The letters stated " We do not have the contractual authority to modify your loan because of limitations in our servicing agreement. '' This means that it is a denial based on investor restrictions. XXXX XXXX interpretations of the loss mitigation rule clearly state that this type of denial reason, without informing the borrower of the type of restriction, is not sufficient. 
The next paragraph in the denial for XXXX XXXX XXXX is also inconsistent, since the following paragraph beginning with, " Based on the documentation you provided ... gross income which is calculated as {$4900.00} ... '' suggests that the denial reason is XXXX negative but on the next page, ASC says the denial was not based on NPV analysis and your appeal can not include disputes about income, etc.
Consumer complaint received 2016-08-14
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: DISCOVER BANK (FL)

Discover card reduced my credit line without the required 45 day notice as required in violation of Section 226.9 ( c ) ( 2 ) ( vi ) in an attempt charge me an over the limit fee by putting me below my current owed balance. 226.9 ( c ) ( 2 ) ( vi ) states : 9 ( c ) ( 2 ) ( vi ) Reduction of the Credit Limit Consistent with the XXXX 2009 Regulation Z Rule and the XXXX 2009 Regulation Z Interim Final Rule, the Board proposed to retain 226.9 ( c ) ( 2 ) ( vi ) to address notices of changes in a consumer 's credit limit. Section 226.9 ( c ) ( 2 ) ( vi ) requires an issuer to provide a consumer with 45 days ' advance notice that a credit limit is being decreased or will be decreased prior to the imposition of any over-the-limit fee or penalty rate imposed solely as the result of the balance exceeding the newly decreased credit limit. The Board did not propose to include a decrease in a consumer 's credit limit itself as a significant change in a term that requires 45 days ' advance notice ...
Consumer complaint received 2015-10-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (OR)

Equifax inappropriately shared my credit report with XXXX. 

XXXX charged me a {$100.00} deposit to not have my credit report pulled when setting up service with them. 
I paid the {$100.00} deposit to XXXX. 
XXXX requested my credit report from Equifax on XXXX XXXX, 2015, without my permission or authorization. 
Equifax provided my credit report to XXXX. 
I contacted XXXX to have this fixed. 
XXXX referred me to Equifax. 
Equifax said it is a matter of factual record that they gave XXXX my report. 
Equifax refused to remove this inquiry from my credit report. 

My credit score and report at Equifax are being negatively impacted, due to their innappropriate release of my credit report. 

XXXX still has my deposit money.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (MO)

Disputed the fact that a XXXX accounts are being reported on my XXXX , XXXX, and Experian credit bureau that are the same collection account. XXXX is the original debt with CB Dispute ( XXXX XXXX in amount of {$16.00}, XXXX ) and the other is the assigned debt from them to a collector in the same amount. It is against Federal Law for a collector to report an outstanding debt TWICE ( Double Jeopardy ) which hurts my credit file and score more than if it was reported once. If the debt is sold and assigned and listed on credit bureau, then the original debt must be taken off credit file otherwise it could be sold multiple times with multiple collections showing up on credit file for just ONE debt.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (OH)

I applied for a charge card and was turned down in the bank 's letter tome dated XXXX/XXXX/15. The letter invited me to call XXXX withquestions but even though the personal at that number worked for thebank 's credit card operations they purported to have no way for meor even them to contact the banks credit card decision personal. 
The letter from the bank also invited me to appeal thedecision in writing which I promptly mailed XXXX/XXXX/15. 
Many attempts to obtain a written response tomy Appeal Credit Decision letter since have beenunsuccessful.
Consumer complaint received 2024-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MT)

I only just learned about IBR this year ( 2024 ). Prior to this I was guided into either deferment or forbearance options. Almost half of my original loan is accrued interest.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

This Georgia State Tax Lien should be removed from my credit report. It was paid and was reported as a lien in error. I contacted XXXX XXXX and they stated to me that it was up to the credit reporting agency to remove. 

This Georgia State tax Lien should be removed.
Consumer complaint received 2015-08-10
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc. (CA)

Applied and was approved for a loan with GM Financial, received a " welcome '' phone which included a few questions from the GM customer service agent. One question, was " will anyone else be driving the vehicle '' I told them his name and then I explained I traveled a bit and my husband would be driving the vehicle about 40 % of the time and I would be the other 60 %. GM customer service agent then asked " why were they not on the loan ''. I stated, never thought about it since this person was my partner and we lived together. Besides my partners credit was n't as good as mine. The agent then asked for my work number to verify my employment, I explained I was driving and would get the information to them with the next few days. When I called to give them the information as requested, I was told my " loan had been sent back to dealer '' ... I asked the agent why, she replied " you will have to call the dealer '' ... So I did just that, the dealer told me that GM Financial stated I was doing a " straw loan '' ... needless to say I was shocked!!! I explained, how could GM accuse me of doing a " straw loan '' when the insurance for the new vehicle was in both our names, along with the checking account from which the payment would be made. I feel or know that GM Financial discriminated against me and my husband, since we were XXXX.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

I disputed the lack of correct reporting of my credit scores with XXXX bureaus with no success. 

Since 2009 I have been asking and make a correction since on my mortgage payment and date of birth with no success. 
You have XXXX bureau with different credits score and critical data on file. 
I submitted a copy of State Driver license, Social security document for a correction with no success. 

Up today, you have XXXX different score with my case.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (OK)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Whenever I attempt to make a payment over the required amount to Carrington Mortgage, it tells me that I can not make a payment over required amount. If I go to submit a payment after, it tells me that I can only make 1 payment a day. If I go the next day to make an additional payment to the mortgage, it tells me that I can not do any additional payments.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TN)

I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to 20 inquiries on my credit report. PLEASE HELP ME!!!
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION (CA)

On XXXX/2017, Bank BBVA Compass, charged my account XXXX in the amount of {$32.00} each time for overdraft fees. I had active/enough funds in my account at all times while these transactions went through. There were XXXX transactions that were charged overdraft, all of which I had available funds in my account. I also was paid on Friday XXXX/2017 with a direct deposit in the amount of {$1500.00}. 

Transaction # 1 {$7.00} XXXX XXXX/2017 Transaction # 2 {$64.00} XXXX Payment XXXX/2017 Transaction # XXXX {$120.00} for a website payment XXXX/2017 I spoke to a phone agent on XXXX/2017 that had access to my account and told me that if i deposited money into my account that my transaction for {$160.00} would be covered from XXXX so I went to the ATM and deposited almost {$200.00} to leave enough in my account to cover that transaction. I wake up the next morning and not only did the XXXX NOT GET PAID, but they charged me XXXX overdraft fees of {$32.00} for random transactions from days before that I actually had money in my account for. In fact, on XXXX/2017, after all of those transactions had already went through i withdrew {$340.00} in cash from the ATM which left me still with a positive balance in my account as they do not allow me to overdraft through ATM transaction. All of those transactions were already processing and went through. 

There is clearly something wrong with their system and the way it prioritizes purchases relative to your available balance in your account. Obviously, if I had a lot of money in my account, this would n't be an issue. This is only an issue because my account was low on funds, which really is n't their business to worry about. They should however make sure that everybody 's transactions are processed fairly and with the right timing. 

The explanation was poor by the company, and I advised them to listen to the phone call i had with the representative to get a better understanding. I did clearly let them know that they have STOLEN money from me as I paid for these items already and now they are collecting on those charges and adding fees to them.
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IN)

In XXXX, I had XXXX payments returned from XXXX due to circumstances beyond my control. To rectify the issue, I made a {$200.00} ( the payment amount i owed was only {$25.00} ) payment, bringing my balance well below my {$500.00} credit limit. In return, because I had XXXX consecutive payments returned, XXXX suspended my account and blocked me from using my card until I have made XXXX consecutive payments & brought my account back in good standing. At that time, my credit limit was still {$500.00}. On XXXX XXXX, XXXX sent me an email via their website that they had dropped my credit limit to zero and I was still suspended for 90 days and still needed to make XXXX consecutive payments on time. On XXXX XXXX, XXXX, I received notification that my XXXX credit card was reported as " closed ''. I did not close the card. When i contacted XXXX, I was advised that my limit was now {$0.00}, my balance was {$380.00} and that my account was still suspended. I advised them that, because they dropped my limit to {$0.00} for the next 90 days and are reporting it as such, they are negatively affecting my credit report, even when the amount was not true. I advised them that, because i still have a balance with a XXXX credit limit, that they are basically reporting my card as closed and that they need to rectify the issue. They refuse. They stated that they will not fix the issue until XXXX of XXXX. In the meantime, my credit report is still being erroneously being reported with a {$0.00} credit limit and a {$380.00} balance for a suspended, but not closed, account.
Consumer complaint received 2016-05-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

ARS ACCOUNT RESOLUTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ARS ACCOUNT RESOLUTIONor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ARS ACCOUNT RESOLUTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1969 CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I sent a dispute letter to Equifax/XXXX XXXX stating the account, they stated my letter did not specify if I was claiming the account as not mine or questioning validity of the account balance. Not true. I have expressed directly with the creditor that I had no knowledge of account from 2007 and requesting validation of the account, not the balance. I offered to pay in full to remove trade line, as the derogatory is harming my XXXX XXXX, even though I am not claiming ownership in exchange to remove from credit reports. The account does not belong to me please remove account from credit reports A fraud report has been submitted.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: GENERAL BUSINESS RECOVERIES, INC. (AZ)

I received XXXX notice saying a medical bill that I thought was sent to me in error was being sent to a collection company by the name of XXXX. Since then I set up a payment plan through my bank for monthly payments of {$50.00} ( total bill amount was approx. {$560.00} ) which began in XXXX of 2016. After XXXX rude and accusatory phone calls with the assigned rep ( XXXX ) I faxed over proof that I have been sending monthly payments totaling {$250.00}. After a conversation today via phone communication XXXX told me that she would n't let me make monthly payments unless SHE was the XXXX debiting my account number rather than me sending the payment via my XXXX Online Bill Pay. I explained that I did not feel comfortable with them having my personal account information nor did I intend to pay a processing charge. I was then informed that then they just would n't take monthly payments and that if I wanted to make a payment I should " just save up my money and call in the payment in full ''. I then asked for that to me sent to me in writing so that I could keep that for my records. I was then transferred to XXXX 's supervisor, XXXX who then became verbally combative. She said that it was up to her if they accepted payments and that she did n't need to give anything to me in writing. I feel like this is in violation of my rights as a consumer to be given a clear and legible document explaining the companies rules regarding payments. 

I am in no ways disputing the charge and have been doing everything in my power to pay the debt that I owe.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BBVA FINANCIAL CORPORATION (VA)

Dear Sir/Mdm, I am writing regarding the BBVA recent XXXX points promotion. According to BBVA offer, " The promotion will end at XXXX XXXX on XXXX XXXX, 2016. '' I made XXXX transactions - all are around two weeks of the XXXX finals. I was supposed to get XXXX points for these purchase. However, I was told by BBVA customer service that " Even though you purchased the items on the evening of XXXX XXXX, the purchases did not got thru the system until after XXXX XXXX. '' XXXX * XXXX {$4.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$6.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX * XXXX {$400.00} XXXX/XXXX/2016 XXXX {$970.00} XXXX/XXXX/2016 Posting an offer, promoting the company, and then rejecting to honor the offer, BBVA is misleading customers into doing business with them. I hope your agency can help correct such fraudulent practices. 

Thank you very much for your help. 

Best regards, XXXX XXXX
Consumer complaint received 2016-12-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

I recently deposited a check for final wages to from my employer and my financial institution-BBVA Compass- placed a hold on the funds. Due to the large amount, it was to be expected, and I had more than enough funds to cover my outstanding transactions. Unfortunately, my deposited check was returned, but instead of just reversing the hold, BBVA reversed the amount from my available balance. Ultimately, this resulted in twice the amount of my deposited check being withdrawn from my account. After numerous phone calls, I was left with, " The hold will drop off some time today. '' In the meantime, the bank has returned XXXX of my items and charged additional NSF fees.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

I backed a project on XXXX XXXX/XXXX/15 with a proposed delivery date of XXXX. To date I have yet to receive anything despite requests for refund. I turned to Chase bank to dispute the charges on my credit card and was told that due to the time lapse I would not be able to receive my money back. Nothing is in place for crowdfunding which leaves consumers such as myself empty handed. I was not asked for supportive documents, proof of my attempts to contact the company whom I backed. Chase essentially looked at the date of the transaction and denied my dispute instead of looking out for the customer.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

My credit card contract stipulated that I would incur no interest charges if balances are paid in full by the statement due date. I mistakenly short paid my XX/XX/XXXX statement by {$120.00} and saw interest charges on my XX/XX/XXXX statement for {$33.00}. Knowing that it was my fault, I paid the interest charges and full open balance before the specified due date. My XX/XX/XXXX statement reflected additional interest charges of {$55.00}. When I called the credit card company to discuss the issue, I was given a very fragmented explanation about how the interest was calculated and that the XX/XX/XXXX statement was reflecting interest for XX/XX/XXXX purchases. In the end, I am paying {$88.00} in interest charges for short paying my XX/XX/XXXX statement by {$120.00}. The representative could provide no explanation as to why the interest charges were excessive. In addition, the representative refused to remove the charges or compromise. I understand that the interest is calculated daily and compounding occurs, but something is not right here.
Consumer complaint received 2016-01-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/XXXX, I applied for a Checking Account at the XXXX XXXX XXXX ( XXXX XXXX, Officer ), with a {$100.00} Deposit. Chase currently had a promotion that if a customer opens a New Chase Checking Account with a Direct Deposit, I would receive {$150.00}. After completing my application ; and after XXXX XXXX ran several inquiries, I received my Checking Account. 

On XXXX/XXXX/XXXX, I received a Letter from Chase stating they could no longer support my banking account, and will closed my Account on XXXX/XXXX/XXXX. I immediately contacted Chase to find out the reason, an XXXX ( Loss Prevention ) stated she would not reveal the reason. 

Therefore, I believe I was denied a Checking Account based on my race.