davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

XXXX XXXX Type - Auto Loan Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX CAPITAL XXXX Reported : XXXX XXXX, XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX. 
Reported : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX
Consumer complaint received 2019-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX XXXX XXXX XXXX is not allocating my payments correctly. 
They refuse to send statements showing payments I made on account. 

I called and their excuse is due to high interest loan I was charged. 

I received a statement on XX/XX/2019. Not listing my payments.
Consumer complaint received 2018-11-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (VA)

During my bankruptcy modified my home loan with Green Tree now known as Ditech. I was informed my payment amount of {$1000.00} and paid that amount every since XX/XX/XXXX as advised by bankruptcy attorney and Green Tree. I've never missed a payment since. 

My bankruptcy was discharge in XX/XX/XXXX. The next month I received a letter from Ditech stating that I haven't made a payment since XX/XX/XXXX. That simply isn't true. I have the proof with my banks and Ditech also have indicated on my payment history which is on their website the receipt of the payments. If I mail a payment via 1st class mail they don't process the payments sometimes for up to 2-3 weeks. I attempted to make a payment in XXXX and again in XXXX but was unable because they demand a payment of {$5200.00} for months that I have already paid. 

During the bankruptcy the mortgage statements came voided of any information up until XX/XX/XXXX. Every time I called the phone never prompted the ability to leave a message and just hung up. I finally spoke with a representative on XX/XX/XXXX, XXXX, and he also indicated that he didn't understand the reasoning for the letter and gave me fax number and address to send a written dispute. 

This matter is very stressful and reeks of predatory loan practices. I view over 3,000 complaints about this organization-XXXX-Green Tree-Ditech- and am very concerned. 

Please help me to resolve this matter. Thank you in advance for investigating this matter.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

i had contacted many times EQUIFAX XXXX XXXX XXXX to remove 2 Hard Inquiries made on - XX/XX/2018 - XX/XX/2018 i had contacted XXXX Creditor how has Run my Credit with Unauthorized and i got t proof from creditor to remove and XXXX already mentioned they sent two letter to Equifax to remove two month ago wirh no response till now i going now to attach proof has sent to them to Equifax to remove 2 hard inquiry -XXXX Inquiry from XX/XX/2018 -Sears/cbna Inquiry from XX/XX/2018
Consumer complaint received 2024-08-30
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. (OH)

Unauthorized inquiries without my permission XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/year> XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX  ( Auto ) XX/XX/year> XXXX XXXX XXXX ( Auto ) XX/XX/year> XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX XXXX ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX  ( Finance ) XX/XX/year> XXXX  XXXX ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> XXXX  ( Bank ) XXXX XXXX, 2024 XXXX  ( Bank ) XXXX XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/year> XXXX ( Bank ) XX/XX/year> EQUIFAX Inquiry details XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX, XX/XX/year> 2024
Consumer complaint received 2019-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

I received a Bonus Offer from Wells Fargo for a {$300.00} Bonus for opening a new business checking account and fulfilling the obligations spelled out in the offer details. The account was opened on XX/XX/XXXX with the attached Bonus Offer code. I fulfilled all of the offer detailed obligations within the first 60 day period of the account and was suppose to receive the {$300.00} credit, within 30 days after completing the 1st 60 day requirements. According to the terms and conditions, I should have received the {$300.00} credit on or before XX/XX/XXXX. 
I contacted the Personal Banker at the local Wells Fargo branch were I opened the account on XX/XX/XXXX to inquire why I have yet to receive the {$300.00} Bonus in my account. I was given a commitment that the {$300.00} Bonus would be credited to my account within 5 business days. That did not happen. I followed up with a phone call on XX/XX/XXXX as I had not received the {$300.00} credit and was told that the offer code was not entered in when she originally opened my account so I would have to proceed with another 60 day period of complying with the original terms to qualify again for the Bonus Offer. 
I then escalated this situation to the branch supervisor since I had fulfilled all of my requirements to receive the bonus. 
After numerous voice mail messages and emails sent to the local branch, I finally received a call back on XX/XX/XXXX informing me that my situation is going through a review and would take up to 14 business days for a response. 
Seems to me Wells Fargo is unwilling to fulfill the obligations outlined in the {$300.00} Bonus Offer and hopes that customers either forget & /or get tired out from unprofessional process of trying to receive the promised offer.
Consumer complaint received 2019-01-24
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: Experian Information Solutions Inc. (WI)

XXXX XXXX keeps reporting falsified information to the the major credit bureau and/or bureaus. I continue to asked XXXX XXXX ( by certified mail ) to provide me with a copy of any documents bearing my signature. I also requested that XXXX XXXX to validate this falsified information.i have disputed with the major credit bureaus and comes back verified. How can something be verified if i didn't know it exist. I am contacting you to see if you can validate this account and if so provide me with any documents bearing my signature that they say had and hard for them to provide me with. It say on my credit report that XXXX XXXX provided them with an update XX/XX/2019 stating that i owe {$650.00} and that {$670.00} was charged off. Thank you in advance for your time! 

P.S Please look into this matter and not over this matter.
Consumer complaint received 2019-01-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

So this company called Credit Systems put a {$39.00} dollar debt on my credit report saying I owe this debt. Kind of funny how this debt originated because never have I been notified that this was an active debt. I have never received a bill regarding this situation from the so called original creditor, and never was I notified by this Credit Systems Debt Collector that I owe this debt.

This so called Debt Collector has sought and set-out to destroy my credit scores by throwing this debt on my XXXX  Credit Report.

I feel this is something that should be brought up to legistation and signed into law, that should prohibit debt collection companies to notify the consumer 30 days prior to reporting the debt to the credit bureaus. It should be illegal to do such a thing and this is something that I will even notify my State Representative to persue this
Consumer complaint received 2018-11-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: ARVEST BANK GROUP, INC. (AR)

Arvest Bank merged with XXXX XXXX XXXX in late XX/XX/2018. I had an IRA CD with XXXX XXXX with a 12 month maturity. I received no prior notice that my account was about to mature. Then on XX/XX/XXXX I received a notification which I thought was just a notice that my CD was about to mature because the title was reinvestment notice and then was NO STATED INTEREST RATE. I kept expecting some a followup with a stated interest rate so I could decide whether I wanted to renew or not.To follow up, I finally made a personal trip to the bank yesterday and was told that my account had in fact been converted into an 18 month maturity CD yielding 1.1 %. I asked why there was no interest rate stated on the notice I received, and I was told that no interest rate was stated because they wanted me to come into the bank to discuss other possible financial products ( an unfair cross sell technique ). I then asked about a six month CD and was told the interest rate was 1.9 %. They locked me into a longer term product at a lower rate rather than a short maturity product at a higher interest rate. The sales representative ( XXXX XXXX ) and branch manager ( XXXX XXXX ) both said that Arvest changed the maturity because it was the closed product to my CD from XXXX XXXX. But my original CD was for 12 months and if they had to change maturity, Arvest could have chosen a six month or an 18 month CD. 
They chose the one most disadvantageous to me and most advantageous to Arvest. The CD is for about {$25000.00}. By choosing the type of account Arvest did, they deprived me on 80 basis points in interest ( a total of {$310.00} over the 18 month term ) and lowered their cost of funds by {$310.00}. When given a choice between products, Arvest chose the product that would be most advantageous to them and the most punitive for the customer. Then they said to change to the six month now, I would incur a penalty of over {$140.00}. 
I consider this whole process ( from the notification to the unwillingness to modify the terms without a substantial penalty ) to be unfair and misleading on the part of Arvest.
Consumer complaint received 2019-01-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am attaching a copy of the investigation request that I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
Consumer complaint received 2019-01-23
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. (NY)

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I'm attaching the report for your records. There are 3 accounts reporting to Equifax which are fraudulent & I'd like them removed from my report. They claim they verified the accounts with the company but I'm truly confused how they can verify a fraudulent account. I believe they feel they're above the law & I'd like this matter handled ASAP as it's damaging my credit & impacting my emotional & physical health.
Consumer complaint received 2019-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I just have a general question ...

If I disputed a debt and even tried to nefotiate in the past due to no success disputing and now A debt is cancelled and I received a XXXX. Is it my right to have it removed from my credit since now I am paying income tax on it? I am ok with it as long as it is deleted from my credit report. I have the proof if needed and can upload!

Please let me know my rights and how it should affect my credit score. I fee like they never explain how it will affect you. I have written in the past that I would like things explained and I never get any response.

Thank you, XXXX XXXX
Consumer complaint received 2019-01-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

Hello, I'm Moneygram International costumer. Would you sent this message to Moneygram International Financial Department because I can not find their email address. Please! 
I just notify them that I never received the refund back transactions I made in XX/XX/2018, XX/XX/2018, XX/XX/2018. I canceled those 'cause the receiver no longer needed money. 
XXXX XXXX ref No : XXXX Amount : XXXX $ and XXXX XXXX Ref No : XXXX amount : XXXX $ XXXX XXXX Ref No XXXX Amount : XXXX $ Thanks!
Consumer complaint received 2019-01-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX  college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: U.S. BANCORP (OR)

XX/XX/XXXX ( XXXX XXXX, PST ) At all relevant times starting XX/XX/XXXX Complainant has been a good standing consumer with XXXX XXXX XXXXl hereinafter the " respondent '', a service provider within the meaning of 12 U.S.C. 5481 ( 26 ), headquartered at XXXX, Minnesota. Complainant has a current checking account and at the time of opening the new account in XX/XX/XXXX Complainant was offered a reserve line of credit totaling {$2500.00} ( XXXX XXXX XXXX XXXX XXXX ). Complainant 's reserve line of credit of {$2500.00} has been in GOOD STANDING since around XX/XX/XXXX prior to which minimum monthly payments due on the reserve line since on or around XX/XX/XXXX were completed in a TIMELY manner each month and every time on or by the due date specified by respondent. At no time was Complainant 's reserve line of credit delinquent or otherwise in default. On or around XX/XX/XXXX Complainant filed a good faith complaint with the respondent 's FRAUD unit against " XXXX , XXXX '', a collection agency affiliated with XXXX XXXX who conducted an unauthorized deceptive financial transaction in Complainant 's checking account. At the end of the Fraud investigation, respondent refunded the deceptively deducted amount of around {$180.00} into Complainant 's checking account. However, on XX/XX/XXXX the respondent 'XXXX XXXX XXXX XXXX ' in turn engaged in an unconscionable tactic and unfair, deceptive, and abusive act or practice under Federal law in connection with the reserve line of credit offered to Complainant and unlawfully closed complainant 's GOOD STANDING reserve line of credit of {$2500.00} ( a consumer financial product or service ) in the course of violating [ Oregon Revised Statutes ] ORS 646.607 ( 1 ) [ Unlawful business, trade practices ] and which may not be limited to the cited statute. ORS 646.607 ( 1 ) provides that " [ a ] person engages in an unlawful trade practice if in the course of the persons business, vocation or occupation the person [ e ] mploys any unconscionable tactic in connection with ... collecting or enforcing an obligation ; ... ''
Consumer complaint received 2019-01-23
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: Experian Information Solutions Inc. (OH)

A charged off account can not have a 150 % usage. The usage must be changed to 0 %. This is for first premier bank. This has already been disputed with Experian.
Consumer complaint received 2019-01-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

LVNV Funding and Resurgent have been trying to claim I owe them money for a collection account that I don't know where it came from. After an entire year of sending certified letters monthly asking to send validation of said account they only come back with a letterhead from there company, each and every time. I can not trace this debt on any of my credit reports. LVNV has failed to provide any sort of validation linking this said account they are trying to collect on to my ssn. I have also submitted a complaint with the SC XXXX. I've sent numerous certified letters to this company every month for an entire year. I am asking for this account to be deleted once and for all from my credit reports as they have failed to provide any accurate information linking said account to my ssn let alone an agreement bearing my signature.
Consumer complaint received 2019-01-23
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. (AR)

OnXX/XX/XXXX I received an email from the XXXX XXXX stating my account had been locked due to multiple failed attempts to access the account. I call as directed and confirmed it was not me trying to access my account. I have not made any charges on the account in over a year. It was confirmed that no charges had been made on the account. I was unable to locate my credit card at the time so the account was closed and another opened. I recently received a credit alert. So, I checked my credit report to find TransUnion and XXXX  had dropped my credit score tremendously. Upon reviewing it I realized there were two incorrect reports. Both stated I had an increased balance on the military star card. Yet, both had a previous change of account reported by the XXXX XXXX. I contacted the XXXX XXXX. I was told they only reported a change of account. I then disputed the increased balance with TransUnion on XX/XX/XXXX stating there was an account change and the previous balance was transferred to the new account. I receive a response on XX/XX/XXXX stating the investigation was complete and the information was accurate and would remain on my credit report. There was no new charges my balance did not increase had they contacted the XXXX it would have been confirmed. I was not able to submit a dispute with XXXX.
Consumer complaint received 2019-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (CA)

I used my XXXX  debit card to pay for a transaction on XX/XX/19 for {$130.00} XXXX uses my chase bank account as backup funding. This charged caused my chase account to go into a negative. That {$130.00} was then refunded but XXXX kept the refund instead of sending it back to my chase bank account. All XXXX could do was send me a bank letter. In the end, I was charged a total of 12 overdraft fees on my chase bank account totaling to {$400.00} and now I am going through a financial hardship and unable to pay my rent. I tried to explain the situation to chase and offered to send them the XXXX bank letter. But they just refused to refund me any overdraft fees and ignored my request to send the letter. I let them know the financial hardship this caused and I have been a customer for a very long time but they did not have any regards. As per XXXX money, chase bank led in profits for making the most in atm and overdrafts fees last year. This experience goes to show you how much they care for their customers.
Consumer complaint received 2018-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (NC)

The reason for my complaint is because Navy Federal closed my checking and savings account due to I was force to open a {$5000.00} loan. I was a victim of fraud/scam and was force by two man to open the loan because I told them I have good credit. They advised me that they work for Navy Federal and they can help me open a checking and saving account and after that they force me to open up the {$5000.00} loan. I cancel the loan due to I was force. I filed a police report regarding the whole situation. The reason why my story kept changing is because I was scared of the men. They know where I live because they seen my address when I was doing the application. I still have not received my {$10.00} that was deposited in the savings account but they can keep it if I'm able to open up new checking and savings account. I would also like the hard inquiry removed from my credit report for the loan since I was forced. I shouldn't of trust those man but I believed them. I'm able to go in the branch and open up a new checking and savings account with my moms XXXX I live with my mother and she is a XXXX veteran. Thank you for your time. Have a wonderful day.