davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (AR)

I reached out to XXXX XXXX on XX/XX/XXXX asking if the company could email or mail me official correspondence stating that my checking and savings accounts are closed. I have been diagnosed with a federally protected XXXX and have lost my job because of it. Under Arkansas state law, I also can XXXX XXXX until a year after my last XXXX and my last XXXX was in XX/XX/XXXX. 
I was told by the representative that my checking account has been closed out since XX/XX/XXXX and that my savings account is restricted and not closed only because I have outstanding loans with them even though the account has nothing in it. I was told that it is against company policy to mail or email a letter stating the account closure and that I would have to come in to the nearest branch and provide identification to receive a letter. 
The nearest branch is XXXX hours away from me. As stated I can no XXXX XXXX under state law. 
I am in current litigation with my former employer based on my XXXX and I have almost lost everything. 
My supplemental nutrition benefits have been denied pending XXXX XXXX XXXX and XXXX account statements for XXXX XXXX present. 
I have a federally protected XXXX and I feel I have already been done a disservice as I am in debt to them because of fraud and it has been proven that I was scammed. The only thing that I need is evidence proving that the account is closed out so that I can get food to feed myself and my child. I am already on the verge of homelessness. 
This is the first bank that I have ever encountered that can confirm the identity of a former member but will not send any correspondence via mail or email stating that an account is closed out and it is adversely affecting my life. I was told that a request was submitted to send via XXXX mail the statements for the savings account but I really need this information now and I have no way of getting the information concerning the checking account that is closed.
Consumer complaint received 2023-04-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I was ready to payoff my Wells Fargo XXXX on XX/XX/XXXX. I contacted Wells Fargo for a payoff balance and was informed that a payoff statement would be emailed to me. 
When the statement was not received after a few days, I contacted WF again on XXXX and this time the agent informed me that payoff statements must be mailed to the address they had on file. When I didn't receive a statement after 11 days, I called back again on XX/XX/XXXX and was told it could take up to two weeks to arrive. I called back again on XX/XX/XXXX to ask for a verbal payoff amount which wind up being a phone loop from one department to another for over two hours without the desired result. I finally decided to visit a physical local branch where the rep also had a hard time reaching someone to give him the information I was looking for. He finally called me back a couple of hours later with the payoff balance and wiring instructions. I prepared the payoff funds with my bank and immediately wired the quoted payoff using the wiring instructions the rep provided The first payoff wire attempt was made on XX/XX/XXXX for the entire quoted amount. I was informed on XX/XX/XXXX by my bank that the wire was rejected due to the wrong beneficiary account information. I called back Wells Fargo again and asked for the correct wiring information and the wire was finally accepted on XX/XX/XXXX however, my HELOC balance remained unchanged as of XX/XX/XXXX. I then received a call from Wells Fargo on XX/XX/XXXX explaining due to daily intertest accruals and penalty fees the wired amount was no longer enough to cover the payoff and that I'd need an additional $ XXXX to pay off the balance. While speaking with the and referring to my online account, I observed that Wells Fargo had changed my physical home address in New Jersey to an unfamiliar address in North Carolina. This explained why I never received my payoff statement by mail XXXX weeks earlier. I explained the seriousness of security breach to the Wells Fargo agent and asked for the extra unjustified interest and penalties to be postdated and credited to my account. She informed that the issue has been escalated to her manager and that I'll be receiving a call with a resolution by the end of day. 
It is now beyond the end of the day and I'm still stuck in this crazy endless loop of trying to payoff my daily interest accruing HELOC with a bank that has a very fragmented payoff process. Either Wells Fargo is an extremely incompetent bank or they're deliberately making it difficult to payoff loans to keep their daily interest accruals and maximize profits off the backs of the hard working middle class.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I placed a freeze on all three reporting agencies. XXXX and XXXX asked me questions to verify identity then freeze was lifted. Transunion REFUSES to lift freeze. They said they are unable to kid the freeze because they can not generate questions from report. I just need Transunion to lift freeze
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (CT)

I HAVE ACCOUNTS WITH DEBT IN MY NAME THAT I HAVE NO KNOWLEDGE OF WHICH I REPORTED MUTIPLE TIMES SUCH AS XXXX XXXX XXXX XXXX XXXX XXXX IN THE AMOUNT OF XXXX {$12.00} XXXX XXXX XXXXXXXX XXXX IN THE AMOUNT OF XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX $ MOHELA DEPARTEMENT OF EDXXXX {$2600.00} $
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I have created a paypal XXXX in XXXX as soon as I have received donations paypal did block my payout! https : XXXX they send an email that in 120 days I can have my money but now they have a new trick! they just locked me out of my account! I cant login XXXX cant reset password! I cant add a new phone number! it asks to send XXXX to my old number which I dont have access too! Paypal is very very clever to play and fool around people so they can not withdraw their funds!
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc. (TX)

I was misled by the institution which as since closed from 2017 about getting a job when I graduate, and they didn't. When the loan was taken out, it was through XXXX XXXX. Then, it was transferred to another lender ( XXXX ), now Aidvantage. I don't know why I still have this loan. I deserve a loan forgiveness. Please help me.
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Consumer complaint received 2023-10-24
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. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the following inquiries listed below. However, these inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC. (CO)

I had my phone stolen on XX/XX/year> and subsequently had my Robinhood account hacked the following day. The hacker was able to successfully sell off {$9900.00} worth of stocks and buy the crypto currency XXXX. He then transferred the XXXX to some account that is untraceable. 

I was able to get a new phone and contact Robinhood on XX/XX/year>. Robinhood told me that they would submit my claim to their fraud department and help me get my situation resolved as soon as possible. During this investigation process, Robinhood began selling off my stocks to cover a negative account margin. They sold off {$7600.00} worth of my stocks to cover this negative balance ( this is higher than what I said over the phone ). When I contacted Robinhood and asked why they would sell off stocks to cover a negative balance that I just claimed as being fraudulent, the customer representative claimed she had no idea my account was being investigated for fraud and would look into the matter more. She then ended the chat without answering any more of my questions. On XX/XX/year> Robinhood sent me an email stating that they looked into my case and believed I did not meet their requirements for reimbursement. The email did not specify why or how I did not meet their requirements, so I called and asked. On XX/XX/year> I was told by a customer support agent that someone higher up would be calling me to explain why I did not meet that requirement, but it has been over a week since that promise and I have not heard back from them. 

Because of this entire situation, I am out {$17000.00}
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

NAME Address City, State Zip Email Address You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ) has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 U.S.C 1681 SECTION 602 SAYS, " I HAVE THE RIGHT TO PRIVACY ''. 15 U.S.C 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS ''. UNDER 15 U.S.C 1666B " A CREDITOR MY NOT TREAT PAYMENT IN A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. PRIVACY VIOLATION,
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (AR)

Ally Finanical {$44000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with XXXX, XXXX, and XXXX have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law.

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction.

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2024 I requested that XXXX, Transunion and XXXX to investigate and delete inaccurate information on my credit report as of today the investigation is not completed. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Transunion and XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MA)

Recently after the bank sold my loan without my consent or writing, I mentioned to the mortgage to work out with court fees to address the last hearing court day fees of divorce. I sent out to Rushmore mortgage representative to settle as mediator And the mortgage ignored me, And turns out sold my account with no sense, even I told do not sign I also I submitted the contacted information for two year ago about the Apraisal in the phillipines emails and conference live call confirmed with his professional Apraisal ID.

Moreover, since my last time visit in the phillipines, I met with ex relative whom is goverment Apraisal assesements in the same region. During our conversation he mentioned about the new outcomings construction and developments pier shores for new extension for new outcoming shippiment and dislocations improving the value of the propertys in the island Also, I attached his card gov.business card
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solar Mosaic LLC (CA)

My loans from Solar Mosaic have been requested to be canceled by their partner, XXXX XXXX XXXX, as the work was not completed. XXXX XXXX XXXX has requested that my loans be canceled. However, Solar Mosaic , Inc. continues to collect payments on XXXX XXXX XXXX XXXX XXXX I was notified that if a payment is more than 15 days late, I'll be charged a late fee of 5 % of the amount due or {$10.00}, whichever is less. 

These loans need to be canceled as XXXX XXXX XXXX did not complete the home improvement project and has sent an email to Solar Mosaic requesting the cancellation of the loans.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this inquires no mine 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY (MD)

XXXX notified me, that I had very good approval odd for a WELLS FARGO Visa card, so I applied, and was denied. According to WELLS FARGO, they pulled from XXXX credit bureau. XXXX, WELLS FARGO is disingenuous. For example, XXXX XXXX written explanation, Account has late payments or negative record within XXXX  year of opening is a blatant lie! I have NEVER BEEN LATE with ANY OF MY ACCOUNTS IN THE LAST TWO YEARS!! My accounts with XXXX XXXX or XXXX XXXX, nor my revolving accounts with XXXX or XXXX was NEVER LATE! Plus, I have ZERO collections. Most importantly, I paid XXXX and XXXX settlements in full on time. WELLS FARGO gerrymandered my application already.
Consumer complaint received 2024-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MPOWER Financing, Public Benefit Corporation (GA)

I had XXXX student loans with MPOWER Financing, and serviced by XXXX XXXX, from XX/XX/XXXX until XX/XX/XXXX, when I refinanced them. My new lender paid off my previous balance, but the payment was more than {$1000.00} higher than my balance. Moreover, having previously set up auto payment, I paid my regular monthly payment ( ~ {$530.00} ), one day after the refinancing had been completed. 
Subsequently, on XX/XX/XXXX, XXXX XXXX issued refunds for me and the new lender, to be paid within XXXX (! ) days. A couple of days later I exchanged a few emails with customer support, asking for a finance charge analysis because the refund issued to the new lender should have been somewhat higher, according to my calculations. 
Since then, I've called customer support quite a few times and they always seem to need more time. Every time I call them they ask for another XXXX business days. The last time they replied in an email was on XX/XX/XXXX, when they asked for another XXXX business days. Today is XX/XX/XXXX and no replies or payments have been received. Neither towards the new lender nor towards be, even though there's nothing to calculate before returning an extra payment that happened after the closing of the account.