davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (WA)

On two occasions, most recently on XX/XX/year>, I submitted a request to change the bank account from which my automatic payments ( AutoPay ) are debited. I received confirmation from the online system indicating that the change had been completed as well as an email that a change had been made. Upon logging into my account on XXXXone day prior to the next payment being withdrawnthe old account was still reflected as the source of the next payment as if no change had been requested.

To repeat, this was the second time this has occurred since my loans were sold/moved to Maximus Education XXXXAidvantage . The first time was only resolved after various discussions with customer service that while confirmed through the online screen flow, a change is only considered processed days or weeks later by a separate notification ( I was told through a XX/XX/year> chat with a representative that it took 11 days at the time and have attached the transcript ). This means a borrower has to make a request and wait a random amount of timepossibly past their next payment dateto find out whether they will get lucky and have their payment deducted from the correct account.

That first occurrence caused an issue for me because the original AutoPay account had been closed ( hence the change request ), so I had to make a manual payment from the correct account to keep from being reported late. This seemed suspiciously like a revenue generation technique to force borrowers toward default. Regardless, any competent financial institution should require no more than 24 hours notice to update which account a payment will be withdrawn from and should be able to clearly delineate how that process works. To prove my point, I never had a single issue with changing my payment account before my loans were sold to Maximus.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (WA)

I called Experian a few months ago when this first appeared on my credit report and called the company reporting this information as well. The person I spoke with at Experian took my dispute information and submitted on my behalf. A few days later I received notification that the account was verified. I called the XXXX XXXX and tried to tell them this isn't my account and I have no idea what this is all about. The person was rude and stated " yeah we hear that all the time and proceeded to tell me it's in your name so it's your account. '' According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with friends, neighbors, or associates of the consumer with who he/she is acquainted or whom may have knowledge concerning any such items of information.

They stated the account was verified but, how is that possible f they did not do a proper investigation according to the law. Also the information pertaining to this account is still reporting and not accurate.

According to FRCA 15 USC 1681 everything has to be 100 % accurate. 

Account - XXXX XXXX XXXX ( originator ) XXXX XXXX XXXX ( collection agency reporting to the credit bureau ) Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$410.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$410.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Payment history guide Collection as of XXXX XXXX, XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX XXXX
Consumer complaint received 2024-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am writing to formally file a complaint against Navient for their deceptive practices, misrepresentation, and failure to provide accurate information regarding my student loan repayment options. As a borrower, I have experienced significant financial harm due to their actions. 

Navient misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable. Instead, I have been making payments that primarily go toward interest, causing my overall loan balance to increase substantially. This has resulted in a ballooning of my debt, which far exceeds what I originally borrowed. 

Furthermore, Navient has repeatedly misreported my payment status to credit reporting agencies, which has severely damaged my credit score. The misinformation provided by their representatives has delayed my ability to pursue more favorable repayment options, contributing to an overwhelming amount of accrued debt.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST CENTENNIAL MORTGAGE CORP (IL)

Applied for a refinance with First Centennial Mortgage company in XXXX and submitted all necessary paperwork for the loan. Credit was pulled at the time. Shortly after, received a conditional approval for the loan. 

To date, I have received no response to my application because underwriting at First Centennial Mortgage requested for a second appraisal on my home. I feel that perhaps I was targeted as a minority ( XXXX ) for the second appraisal review. I would like to see how many others have had to go through a second appraisal process and the mix of ethnicity. My loan officer mentioned that he has never seen a second request for an appraisal review before. There were questions regarding the first appraisal which were answered by the appraiser but now, my application is in limbo. 

Since then, interest rates have increased and I have NO other communication on my application. I suspect now things fall through.
Consumer complaint received 2024-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

I was suppose to have a remodel done in my house. I was approved but never had the job done. now a year later the loan company by the name of Mosaic is requesting payments for work that has never been done. The loan was for XXXX I never received money. instead the money was sent to a construction company by the name of XXXX XXXX. XXXX admits to receiving the money and claims responsibility. All sides of this deal been on the phone Mosaic, XXXX and myself. Mosaic accepts the fact that my name needs to be cleared from the loan and that XXXX is responsible but its been over three months and they still keep holding me responsible for the monthly payments, claiming that they are still working on releasing me from any responsibility. Im getting harassing daily calls from the company that I need to pay up.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (IL)

I signed and returned a job offer, submitted a w-2, I-9 and copies of my drivers license as part of the onboarding process. I was emailed a check to purchase supplies and equipment needed for my 'remote ' position. Because I had never received a check via email, I called my bank and asked them to verify the check before releasing the funds. I was assured that this would be done and that the money would not be released if fraud was suspected. The next day, the funds were available in my account, so I proceeded to use them as directed by my hiring Manager -- to send various amounts of money to specific individuals for other equipment and software, etc. I even went into the bank to get a new debit card to ensure proper allocation of the funds. 
I received a second check, also via email, which was to cover my training pay, and to purchase some items locally. It was while waiting for the second check to clear, that I was notified that the first check had been fraud, and the second check would not be cashed. I informed my hiring Manager, and of course, all contact ceased. I asked the bank if they wanted screenshots and/or copies of documents I had in my possession, but they declined. i also asked if I should file a police report, but they said it wasn't necessary. On XX/XX/year>, I received a demand for payment for the funds released for the first check. I was told my account has been closed, and if I do not pay, I will be added to chex-something, that will make it difficult for me to open bank accounts in the future. I was the victim of fraud and have the documents to prove it, but the bank does not seem interested. Please help me.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

Reviewed most recent credit report and I noticed a charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the CRA to have the charge off disputed and investigated as they do not have the ability to do so. After contacting the CRA I was meant with push-back even though I expressed the charge off in questions did not belong to me.

Under code 15 USC 1692g, 15 USC 1681S-2, 15 USC 1681 ( e ) this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home.
Consumer complaint received 2024-10-04
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: VW Credit, Inc (MI)

Subject : Request to Remove Inaccurate Late Payment from Credit Report Under the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am submitting this complaint to dispute an inaccurate late payment reported on my credit report by VW Credit. This information is incorrect, and I am requesting its removal based on the following : XXXX. Inaccurate Late Payment Reporting : The late payment reported by VW Credit is incorrect. The account is current, and the delay reported was caused by an issue outside of my control, such as a system error or mail delay. 
XXXX. Fair Credit Reporting Act ( FCRA ) Violation : According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), credit reporting agencies and furnishers of information ( such as creditors ) are required to conduct a reasonable investigation of disputed items. Under this law, they must ensure that only accurate and verifiable information remains on consumer credit reports.

Inaccurate information must be removed or corrected within a reasonable time. Therefore, I am formally requesting that this inaccurate late payment be removed in compliance with the FCRA. 
XXXX. Proof of On Contact : Despite contacting VW Credit, the incorrect information remains on my credit report. 
XXXX. Negative Impact on Credit : This erroneous late payment is unjustly harming my credit score. I have a long history of responsible financial behavior with many creditors including VW Credit and have consistently paid my bills on time. This is not a reflection of Given the FCRAs mandate to report only accurate information, I kindly request that this late payment be removed from my credit report.

Attachments : Previous correspondence with the creditor, and certified mail copy.

Thank you for your assistance in investigating and resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/year> I ran my credit report and found that I have an open credit card on my account that didn't recognize. I went into the branch to ask about the balance and how I could access it. The member service rep said that he was unable to find an account associated with my social security number, although it shows on my credit report.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NE)

XXXX Deposited ck # XXXX for {$260.00} through the mobile app. Called usaa and was informed there was a hold. Was told call in a day or so. 
XXXX checked the account and it stated that the check # XXXX had cleared through the originating Credit Union on the XXXX. 
XXXX. Called USAA at appx time XXXX talked to a Usaa customer service lady and she informed still on hold, I informed her # XXXX had cleared she looked into it and said it was from a treasury ck return. ( I believe it was about $ XXXX a XXXX XXXX XXXX payment that previously was denied deposit because their deposit app can not distinguish several checks with same monetary amounts but different ck numbers that are printed on it. It might have been past expiration date due to their app error ). I informed the USAA XXXX that I have had USAA do this in the past with several checks ( I believe it's been over XXXX times the past XXXX years ). This has caused me unnecessary fees in the past and tomorrow I will be charged an unnecessary fee because of the hold. I told her I would give USAA until or thereabouts XXXX XXXX to release the monies since they have already cleared the other institution. 
XXXX At about XXXX Talked to USAA XXXX and she said sorry its still on hold. Seems that all the customer service reps were very nice but could not release the held funds. Since I can not use those funds to pay my car insurance-the USAA auto XXXX side will again charge me {$25.00}. Since I pay from my USAA AMEX card and at this time since I can not pay on my card-I not only lose the {$25.00}, the payment that shows my card being paid, interest charge of a higher balance, the improvement of my payment history, the unnecessary stress this has caused me.
Consumer complaint received 2022-05-05
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: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX lost a lawsuit due to illegally charging interests and fees on loans. I was refunded {$1400.00} for part of interest and fee due to their illegal practices. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have no knowledge about this accounts, please remove as this is not mine : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upgrade, Inc. (FL)

To Whom It May Concern, I am writing to urgently request the removal of an incorrect loan from Uplift , Inc. listed on my credit report for {$2100.00}. This loan, which was supposedly taken out in 2021 for travel expenses, does not belong to me. Despite filing a dispute with XXXX and the Consumer Financial Protection Bureau ( CFPB ), the loan remains unresolved, even though Uplift confirmed that the trip was booked by individuals I do not know for a route I have never traveled. 

I have never missed a payment on any loan or credit card, and this false loan is damaging my credit. XXXX XXXX XXXXXXXX has already reduced my credit limit based on this error, and I urgently need it removed from my report to restore my financial standing. 

Please take immediate action to correct this issue. Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-06-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing significant distress. I trust that you will prioritize this issue and resolve it in a timely manner.
Consumer complaint received 2022-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (TX)

JP Morgan Chase sent me a notice letter saying that my account would be closed when I recently opened it XXXX days ago. I deposited {$12000.00} cash into the account at a branch and all of the sudden XXXX day later I get a notice letter for account closure without any explanation. They have blocked me from accessing my funds completely. I called multiple times and even went to the branch for them just to deny giving me my money back. Ive showed them my deposit receipt and all documents that they needed and they still denied giving me my money back. I am very upset and do not have access to no money completely because chase has blocked me from using it. I have bills due and I cant pay them because they have my money.
Consumer complaint received 2023-06-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: OneMain Finance Corporation (IL)

My original loan payment is {$730.00} per month. I entered into a loan modification for 6 months starting on or around XX/XX/2023. I was only supposed to pay {$360.00} while only accruing 6 % interest so I could catch up on some payments due to financial hardship and make some additional payments to pay down my balance. I have paid a total of {$1400.00} in 4 of the 6 months so far, which should total {$2200.00} at the end of six months after XXXX. Only 3 months were honored ( payment amount only, interest still charged at over 22 % rather than 6 % ) under that agreement and now I am told I'm late {$400.00} which is half of my original payment amount plus late fee ( XXXX plus XXXX ) and I imagine there will be more coming. I have proof that this agreement was made with modified payment amounts and supposed to be at 6 % interest, but it has been at over 22 % ( see attached ) the entire time. One Main has told me on multiple occasions that they recorded the original phone call in which these terms were stated, but they have conveniently misplaced the recording. I am being cheated and have been told multiples time by supervisors that a correction will be made for the past three months. I have been harassed, lied to and cheated. I have never received a return phone call from any of the representatives or supervisors I have talked to, only told that I would hear back within a couple of days to no avail. At the end of my modification they are trying to make me pay additional payments and interest in the amount of {$1100.00} ( XXXX for past due payments for 3 months ) and also for late fees which will total {$110.00} ( {$36.00} for late fees for 3 months ) until this is resolved. Please work with One Main to reverse the current {$400.00} they are saying is overdue and reduce my loan amount according to the agreement that while I am in a modification according to the 6 %. Please also correct the unjust interest charged to my account as well.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NJ)

It's a complaint against Direct express which let someone hacked to my account and charged 3 times {$63.00} on XXXX an account which I don't have or ever used .They are saying I did this that I charged for this purchases and will not refund me the back charges to my account .please investigate this againt Direct Express and Comerica bank . thank you...
Consumer complaint received 2019-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AZ)

XX/XX/XXXX my and my husband 's credit reports were pulled to determine our qualification for an auto loan. A few different creditor agencies took a look at our credit report and we were qualified for the auto loan through XXXX XXXX and then today I see our credit reports were pulled once again ( XX/XX/XXXX ) for an auto loan. We didn't re-apply, so we need this disputed or fully explained as to why our credit was pulled ( HARD HIT ) again after 30 full days.
Consumer complaint received 2024-08-29
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (VT)

NETSPEND promised on XX/XX/2024 to remit the balance in my account by XXXX ) making an ACH transfer and XXXX ) sending a paper check in the amount of {$1000.00}. The paper check was NEVER SENT. 

REPEATED CALLS TO NETSPEND 'S " : COPORATE RESPONSE TEAM " NOW DO NOT EVEN TRIGGER A RETURN CALL!
Consumer complaint received 2018-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (AR)

Bayview Loan Servicing foreclosed on my home of 16 years on XX/XX/2018. They locked me out of my home in XXXX, without notice, because I was unable to live there due to damage from hurricane Harvey. They stated it was an abandoned home, although Bayview was well aware of my situation. 

I had an as-is cash buyer who wanted to close on XX/XX/XXXX, but Bayview refused to pull my home from the sale. They had stated it was up to the foreclosure attorney, which turned out to be false. The day of the sale, I was advised it was because the contract has to be provided to them 10 days in advance, but this had not been communicated to me. There is a long list of lies ( Bayview refers to it as they miscommunicated to me ), but it's a moot point right now. 

Bayview refuses to provide me with the purchaser information so I can retrieve my personal property that was not damaged by the hurricane. Besides some clothing, collectibles and unique furnishings, there are urns with remains, legal and tax documents, etc. There is also my vehicle. I am 500 miles away, have several health issues and restricted driving, so it isn't as if I can just hop over and get everything. 

I advised them I would be filing complaints over the handling of my foreclosure and the missing items after their people went in and locked me out pre-foreclosure and was told to call the police!