davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AZ)

My loan servicer was XXXX. I had automatic payments set up through my bank, XXXX XXXX XXXX, to make my mortgage payment to them every month. I did not realize XXXX sold my loan servicing to Arvest Loan Servicing effective XX/XX/2020. I did not realize this until after my payment transacted, on XX/XX/2020. Arvest has contacted me asking for the payment. I explained the situation to them, and they said they would contact XXXX to iron it out. They haven't. I contacted XXXX myself. They said they could not locate my payment, since they do not accept payments unless you are a current borrower, and that they would immediately forward to Arvest upon receipt. They haven't. I have continue to check with my bank, and the payment has not been returned- it shows as a valid payment sent via echeck on XX/XX/2020. In the meantime, Arvest is hitting my credit report with non-payment and charging me late fees. These companies need to figure out what's going on. I never asked anybody to buy or sell my mortgage servicing, and I didn't ever know they were going to. Now that they have, these massive corporations can't just shrug their shoulders at me while I'm out my {$1900.00} mortgage payment. It's sitting somewhere earning one of these companies interest. Meanwhile, it's hurting my credit, my ability to refinance, and they're charging me late fees for money they refuse to help me locate.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX XXXX my account was wiped out of {$1700.00} and left negative {$11000.00}. I called and the bank said a friend that was making loan payments to me for money he borrowed has reported all the XXXX 's as fraud they asked for proof and I emailed and faxed them proof multiple times and they claimed to never receive anything but I got confirmations of the faxes that they were received so on XX/XX/XXXX they made a decision without looking at my proof of the payments and conversations between me and XXXX XXXX and came to the conclusion that he reported half of the transactions to late so they refunded him half totaling in {$5700.00} leaving my account now negative {$4300.00} instead of {$11000.00}. I called the bank XXXX different times trying to find a way to appeal the decision and they said that it was a final decision that I can fight the problem outside of the financial institution. I've been denied help they never even attempted to listen to my side of the story. They just wiped my account clean and left it in a negative state this has effected many of my bills and I just don't know what to do anymore I tried contacting the person but he was sent the {$5700.00} they removed from my account so he has since blocked me a threaten that if I did anything about it his brothers from a gang know where I live. I just want my money back I thought XXXX was a trusted payment source I have always used my XXXX confirmations to make sure of all payments sent to me and because someone stated it he never made the transactions they just took his word and reversed them. That's not cool and I want to know how I can get this issue resolved?
Consumer complaint received 2024-09-05
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. (CA)

Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX XXXX, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CT)

Discover claims to have " unclaimed property '' in my nane, an amount of {$6.00}, according to notice received, copy is attached. Discover has my correct address, as shown on notice, has not mailed a check for " unclaimed property ''. It appears Discover is attempting to keep funds, otherwise, check would have been mailed.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 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 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 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I opened a Line of Credit with Chase on XX/XX/XXXX. This was part of my retirement financial planning. I XXXX XX/XX/XXXX. Since that time I have continually used my line of credit and also took out a Reverse Mortgage. In a letter dated XX/XX/XXXX Chase advised they were no longer offering personal Lines of Credit as a product. They said in the letter they understand access to credit is important to me. If they did understand, they would recognize the impact of this decision on XXXX. The alternatives they suggest are credit cards and a home equity line of credit. These are not viable options for XXXX. The interest on credit cards is prohibitive and not tax deductible. A home equity is also not an option for XXXX with a Reverse Mortgage. I understand discontinuing a product and/or a service. What I do not understand is Chases 's failure to recognize the consequence their decision has on their customers, especially XXXX. What I really do not understand is the decision not to offer existing customers the option of retaining their accounts. I have had this account for 21 years and now that I am left with no other recourse because I am a XXXX, they are " pulling the " plug ''. I find this decision not to " grandfather '' this product for existing customers, specifically XXXX, discriminatory
Consumer complaint received 2024-08-05
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LoanCare, LLC (MI)

Hello, I have applied for a loan assumption due to divorce on my mortgage with loan care. 

On their application, and their numerous responses to me they only indicate a fee of XXXX $ is required to do the assumption. 

I received a loan estimate that indicates I have to pay an additional XXXX $ to close the loan, ontop of what I already paid to loan care. 

No where in the application does it indicate there are additional fees or closing costs.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION (TN)

Applied for consumer load with NFCU ( Navy Federal ) on XX/XX/. Over the course of 4 days, NFCU did 7 separate hard pulls on my report from XXXX yet they insist they could not access my file. I was even told by one rep that they didn't do a " hard pull ''. I can see the injuries and have asked that they be removed. NFCU says they can not remove them because they never accessed the account. XXXX says I have to dispute them with the lender. No one will accept responsibility.
Consumer complaint received 2020-08-16
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: CREDIT ACCEPTANCE CORPORATION (NY)

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (TX)

The appraisal was not done fairly. QuickenLoans representatives told me that they were not allowed to communicate with the appraiser to influence the valuation of my home. The appraisal was ordered on XX/XX/XXXX, XXXXthe appraiser came to my home about a week later. Two days after the appraisal the appraiser called me and said, Mr. XXXX they want to do this on 10 acres. 
I told him, They tried to do this in XXXX when I refinanced this same property. Why would I choose to do that when I have 8 acres free and clear with my current mortgage. I also said, Im not signing anything that has more than the number of acres already financed, 2.143 acres ( this amount is crucial to my complaint ). 
( Confirmation of the following statements can be found in the attached appraisal ) The appraisal was ordered on the XXXX of XXXX and was not completed until the XXXX of XXXX. In XXXX my home appraised at {$200000.00}. This appraisal would reduce my property value to {$170000.00}. The appraiser said  that he used the sales of other comparable properties to determine the valuation but none of them were outside the city limits, as mine is. Neither did any of the properties, that had been sold, have even an acre of land. The one comparable which had more than an acre ( not sold ) had under 1.5 acres. 
I can not confirm this, but the valuation of the remaining 8 acres is about {$3500.00} per acre. That amount times the remaining 8 acres would be $ XXXXthe exact amount of the difference between this last appraisal and the XXXX valuation. Were there not any other properties sold that compared more closely to mine? Two acres on my frontage road ( raw land ) would easily sell for {$10000.00}. I will also add that I have not gotten any indication from the appraisal district that any property values have decreased, but only to the contrary, they have increased! I should also add that I am XXXX and of XXXX descent.
Consumer complaint received 2024-08-05
Product: Credit 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: NAVY FEDERAL CREDIT UNION (TX)

I paid {$290.00} on XX/XX/XXXX to reserve an XXXX XXXX for my marriage anniversary on XX/XX/year>. The XXXX XXXX was unsanitary and unclean from the previous occupants when I arrived on XX/XX/XXXX. I sent pictures to the host to confirm the room 's uncleanliness and informed them immediately that I couldn't tolerate the mess. I also asked for a refund. The host agreed to reimburse me within seven days. On XX/XX/year>, I inconveniently paid {$430.00} for a hotel room at the XXXX due to the XXXX XXXX being dirty. Two weeks pass, and my reimbursement has still not arrived. I contacted the host again to inquire about my refund, but I never heard back. I then contacted Navy Federal to contest the transaction. While conducting their research, they first gave me a refund. However, two weeks later, they said that I had broken the cancellation policy and that, in accordance with XXXX XXXX, they had not broken any terms or conditions. As a result, I have paid {$290.00} for a dirty room that I had not stayed in. If the XXXX XXXX had been as clean as it was supposed to be, I would not have canceled. They didn't make sure the room was clean when I arrived, which is against the regulations. I contacted Navy Federal again today to discuss the results and they told me the dispute was closed, the final decision was up to XXXX and for me to seek legal help if I want my money back because it was nothing they could do for me.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

Certain reporting creditors.l have Disputed Was removed.. Then retract back These companies collection agency 's dosnt have documentation judge agreed to allowing these agencies tcollkection to collect money on lbehalf these accounts
Consumer complaint received 2024-07-30
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (VA)

I have paid a total of {$1400.00} towards my student loans on MOHELA. Only {$1000.00} has been processed by them, and they claim to have somehow lost all my payment history. With the transition to MOHELA 's new platform website, they have failed to transfer any of my payment history over. I have attached the bank statements, as well as the MOHELA loan summary below proving my payments. 

Now, I have been in contact with them multiple times over the last XXXX  months trying to get them to resolve this issue, but I have been met with the most unhelpful, rude, relaxed customer service I've ever seen. The agents on the phone claim it will be resolved in the next 10 business days, but I have been waiting for XXXX  months! It sucks that I have to keep hounding them for something as simple as {$400.00}, but this is what I have to do if I'm ever going to pay off the rest of this loan. Keep in mind, my interest rate is climbing higher each month as I wait to hear a response from them. It's amazing these fools got chosen to handle student loans by the federal government! What a failure of a company! 

As a note, I would like to share that thousands of users on XXXX  have the same issue as I am. A quick XXXX search confirms this.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  XXXX violation 15 U.S. Code 1692g validation of debts. Consumer request copy of sign credit card agreement to this. XXXX  XXXX violation 15 U.S.C. code 1601 failed to provide Truth and Lending Act to consumers. Experian violated Fair credit reporting Act failure to provide consumer with information stated how they verify this debt. Consumer request re investigation and the following document submit with 30 day from the original creditor or deleted from from credit report.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, I visited your dealership to explore the new XXXX XXXX XXXX. I was assisted by XXXX XXXX, who mentioned he was in training and had only been working there for XXXX months. XXXX was transparent and courteous, providing a thorough overview of the cars features and allowing me to take it for a test drive.

Upon returning to the dealership, we sat down to discuss pricing. XXXX presented the price and mentioned he needed to check my XXXX XXXX. At no point was I presented with a form authorizing a credit check, nor did I provide my social security number. Despite this, XXXX and his sales XXXX, XXXX XXXX, explained my credit score and offered a financing rate of XXXX  % on a {$XXXX} car. I was taken aback by the high rate. 

After negotiating, the price was lowered to {$XXXX} but still at the XXXX  % rate. I was confused and concerned about how they managed to run my credit without my permission, as this is illegal. Despite XXXX insistence on finalizing the deal, I chose to leave without signing any documents. 

Upon departure, I was given two copies of my credit score : one from TransUnion and the other a XXXX XXXX XXXX XXXX XXXX. This indicates that not XXXX, but XXXX unauthorized credit checks were conducted.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$480.00}
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XX/XX/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 XX/XX/XXXX