davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX  and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

For going on 4 years now I have tried to dispute this loan. First off it should not be showing up on my credit report from the school itself when I took out a FAFSA loan and they are already reporting on my credit so the school is fraudulently trying to charge me twice. They kicked me out of school in XXXX after I went to class one night and would not let me finish my 3 classes I needed to graduate because they said they wanted me to go back to my XXXX taxes and change my filing status. That is against the law and unjust and not ethical and my filing status has absolutely nothing to do with the school. I did not drop out nor quit they would not enroll me into anymore classes due to this. I have disputed and appealed this so many times with no turn around from this school. This school is a fraud and they were in a class action lawsuit for a ton of reasons including fraud and lied about the lawsuit not being true. The school also shut down where I live at due to the lawsuit. I need them off of my credit report ASAP!!!! When I call their corporate office they won't even let me speak to anyone they immediately send me to their collections department and continue to fraudulently report and try to charge me. I am also disputing this with the Dept. Of Education as well. The sooner it is removed the better because I am about to sue them. I am sick of them and sick of these profit schools trying to get over on people. I hope they all lose their jobs as well because they are defrauding consumers. Goes to show that just because it has University in front of the name they are still fraudulent.
Consumer complaint received 2024-06-06
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: EQUIFAX, INC. (NJ)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2024 I deposited a bank check for {$5000.00} which was from a XXXX disbursement into the BOA freestanding ATM in XXXX, MA. 
The screen said please confirm your check for {$5000.00} .... I selected " confirm '' .... the machine went black, gave me my card back and took my check. 
BOA has confirmed that XXXX has serviced this Machine and I have personally seen them there twice, while driving by. 
BOA tells me I must wait 10 business days .... which will bring the satisfaction date to XX/XX/2024. 
If this is the case, it will take 2-3 days for my bill payments to process ( even electronically ) which then brings it to the XXXX of XXXX XXXX and processing even longer. 
I've been with BOA for 27 years. This is Completely Unacceptable!! They filed an escalation after 3 phone calls yesterday .... and the Branch Manager in XXXX XXXX says I still must wait 48 hours.
Consumer complaint received 2023-08-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I have attached an affidavit detailing my statement on this matter as well as a screenshot of my cell phone showing I never received a wire confirmation. 
It is abundantly clear that someone hacked the credentials to my account, logged in, updated the contact information, and executed a wire without my knowledge. This should not have been possible if Chase had adequately secured my account. 
I reject the decision that I executed this wire and received " goods or services '' in return. I demand this case be reconsidered and my money returned to my account. I do not understand how you can assert I received goods or services and yet not provide any proof to that effect. I also do not understand how someone was able to change my contact phone number for wire/fraud authorization/notifications without the number on file being notified, this is unacceptable and a failure by Chase to protect my account. 
As stated above, I demand this case be reopened and reconsidered with the additional affidavit and screenshot provided. I have been a client of Chase for many years, and I expect this to be resolved in a satisfactory manner. I will not hesitate to consult counsel on this matter if Chase fails to perform its duties as required by law. 


Thank you, XXXX XXXX AFFIDAVIT The State of New York County of XXXX ) S.S. 
) I, XXXX XXXX, of XXXX XXXX, New York, MAKE OATH AND SAY THAT : 1. I never authorized a wire on XX/XX/2023 for {$4900.00}. 

2. When I saw the pending debit in my account at XXXX on XX/XX/2023, I immediately called Chase Claims Department to dispute the wire transaction. 
3. I was advised by Chase Claims Department that a wire confirmation message from chase was sent to XXXX at XXXX XXXX on XX/XX/2023. 
4. I was advised by Chase Claims Department that just prior to the wire being sent, the phone number on my account was updated to XXXX. 
5. I did not authorize Chase to add number XXXX to my account. 

6. I was not notified that Chase changed the phone number on file for my account to XXXX. 
7. Neither myself, nor anyone affiliated with or known by myself, is connected to or has knowledge of the phone number XXXX XXXX. 
8. I did not place this wire transfer request, nor did I receive any goods or services in relation to this wire transfer, and I had know knowledge of this transfer prior to XXXX on XX/XX/2023. 
9. I am attaching a screenshot of my cell phone message log showing that no message was received on my phone at XXXX on XX/XX/2023. This cell phone number of the phone this screenshot was taken is XXXX. 
10. I have had only one cell phone number, XXXX, for many years and have not changed this number
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Army and Air Force Exchange Service (GU)

XXXX  consistently fails to list my Army and Airforce Exchange Service Military Star Card credit account onto my XXXX  credit report. XXXX non compliance with the creditor lowers my credit score. I have reapetedly contacted the Army Air Force Exchange Service Military Star card program to complain about this and the Creditor has assured me that they have consistently reported my Army Air Force Exchange Service Military Star card credit account to XXXX. XXXX  has failed to comply with the creditors request. I plea for immediate relief from XXXX illegal unfair pattern and practice.
Consumer complaint received 2024-06-26
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: DISCOVER BANK (CA)

Discover bank asked me to file a police report even though i told them its fraud they made me file a police report in order to prove that i am not lying i am not sure exactly why they made me file anything at all they could of simply investigate the matter seen its nothing to do with me. I have filled the police report to show my innocence. But they still did not honor what they have said to me when i signed up for the card if there is a fraud all credit cards have to honor and give my money back., After filling a police report i went through all that trouble to do which is not easy to go through the process. I have provided to the DISCOVER XX/XX/XXXX CREDIT CARD XX/XX/XXXX They said that they have tried to call the police report and since there was no change to my case they don't consider that as a This is as a matter of fact fraud and they can investigate it and see. They are leaving a balance over XXXX on me to pay for that balance when its fraud and not me. PLEASE investigate this matter and their whole company because this is not ok from a consumer point of view when i open a card and i rely on the credit card company for them to research and see that it is fraud they don't care about us little people. Please investigate DISCOVER CARD XX/XX/XXXX
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Lender/forced placed insurance was bought on my behalf without my consent. Furthermore its impossible to speak with someone in the insurance department ; I keep getting off-shore call centers. Horrible costumer service. Impossible to get through the answering machine. I am beyond frustrated, I dont know what to do. PENNYMAC was not my original lender, they bought my mortgage from another servicer. Ive been through XXXX with this company since they bought my loan from the previous servicer. 

Can someone please call me to further explain my name is XXXX XXXX XXXX my phone number is ( XXXX ) XXXX. Thank you.
Consumer complaint received 2024-06-26
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (TX)

Navient/Sallie Mae has engaged in predatory lending practices that has caused me and my family ongoing financial harm. 

Navient discharged the remainder of my private loan, but only after benefiting financially. Navient/Sallie Mae have refused to refund any or all the money they have illegally obtained. 

Navient/Sallie Mae was in a relationship with my school. This financial relationship corrupted my financial aid office and the recruiting practices of my school. This relationship set forth by Sallie Mae/Navient caused my financial aid office to no longer provide me with the best options. 

Instead, Sallie Mae/Navient and my school were provided with the best options. I was told I needed a co-signer by my school when I in fact did not. Another example of Sallie Mae/Navient tainting my education and thus my school loans. 

Sallie Mae/Navient should not be allowed to keep money they fraudulently obtained. My school was to be liable for bad practices. My school did not do this alone. They did it in coordination with Sallie Mae/Navient . As of today, XX/XX/2024, Navient has denied me any refund amount.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sequoia Financial Services (TX)

I contacted all XXXX credit bureaus via certified mail on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( provided proof ) and each company requesting validation abd accuracy of debit. I asked them to provide who from their company provided info to credit bureaus. I did not authorize any information to be shared and demanded they remove all information. They have not.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

I sent letters to all XXXX credit bureaus requesting accuracy and of disputes verification. Requested 3 times for items to be deleted. I requested names of individuals who verified info from their company. They did not provide info. They did not able to Section 611 ( 5 ) ( A ) of FCRA. They failed to comply with section 616 and 617 regarding civil liability. I demanded deletion of accounts I listed. I sent all mail via certified mail and have all receipts from post office. I mailed letters to credit bureaus on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I also sent letters via certified mail to each individual company requesting verification and deletion on XX/XX/XXXX. I have receipts from post office, as well.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (OH)

I opened a XXXX XXXX secured credit card with US Bank with a deposit of {$300.00}. 
They took my deposit from my checking account right away and it took them 2 months to mail me the credit card, which was ok somehow. 
Today XX/XX/XXXX I received a statement from you asking me to pay {$110.00} including past due {$43.00} I was charged late fees and other fees and interest : XXXX Total : XXXX On XX/XX/XXXX I asked your CS to close my account via email, and I got some messages from you. 
I also asked if I have to pay the balance and I was told that I don't have to. Now you charged me to pay late fees for past due amount. 
At the beginning of XXXX I received ta letter from you stating that my remaining balance will be send to me via check on XX/XX/XXXX, but I have never received such check. Instead you charged me all kind of fees. 
You need to issue a refund for all those fees I was charged and stop charging me fees and send me a check for the remaining balance. 
This message will be send to CFPB too. 
Unbelievable.
Consumer complaint received 2023-08-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

I am 2 months behind our mortgage. I have been in communication multiple times with our mortgage company - Mr. Cooper explaining our financial hardship we also signed for a certified letter sent to us by Mr. Cooper. Two XXXX  men came onto my property and would not disclose their business and refused to ID themselves. We took documents they had with them titled " vacancy certification '' without any company header or company information. We called Mr. Cooper and inquired if they could provide any information as to why these 2 unknown men came to our property. We were not given any information other than Mr. Cooper has the right to protect their asset.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

I am writing to bring to your attention a critical matter concerning the inaccurate reporting of late payments on my credit accounts. This letter serves as an official notice of your non-compliance or negligence with the Fair Credit Reporting Act ( FCRA ) and outlines the corrective actions required to rectify this issue promptly. I've addressed this in prior letters to no avail. The reported late payment information does not accurately and completely reflect my payment history.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was struck with financial insecurity in late XXXX  due to the coronavirus pandemic, I had a Capital one Quicksilver credit card active that was {$3600.00} ( {$600.00} over my credit limit ), so I reached out to Capital one who SEEMED happy to enroll me in a plan on XX/XX/XXXX to make XXXX {$220.00} payments which would bring my {$3600.00} account balance down to {$3000.00}, and also would cover my minimum payments for those two months. The important part is, I was told these terms MULTIPLE times by the rep over the phone. 

Fast forward to now, I held up my end of the offer, and after I completed the {$450.00} of payments, my account still rests at nearly the same {$3600.00} balance and according to the Account manager they dont offer plans with these terms and that I must have been lied to when I was enrolled. She also informed me There is absolutely NOTHING she can offer to fix it and my account will stay over the limit unless I pay it down ANOTHER {$500.00}. I asked if they can please pull the call logs from XX/XX/XXXX to review and figure out why I was enrolled in a plan making payments under false terms. The request was ignored.
Consumer complaint received 2018-08-21
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

Banco Popular mortgage has 2 properties or lots that used to be ours and are on each side of our house and the house 's mortgage is with Banco Popular, all 3 lots have unstable soils and cost close to $ XXXX millions to repair or cure the 50 feet deep of unprepared soil that we inherited and we gave Banco Popular the soil studies to confirm our situation, We could sell those properties but we had to deceive or commit fraud against the potential buyer so we got hit and lose a lot of our capital, Banco Popular are offering these properties without the full disclosure that we gave them and the new buyers want to construct residences without the curing and ignoring the history of land slides in these properties, we just did another soil study and comparative topography of the area and just to reconfirm that lots are unstable and are worst and if the curing is not done will affect our house that is in the middle, all of this is confirmed by my structural and soil engineers, what can you do to help us? we had to bankrupt under chapter XXXX to protect us, BPPR just don't care and keeps hurting others because if the expensive curing is not done will damage our house, the new residence and life can be in danger.
Consumer complaint received 2023-08-28
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY (FL)

Investment Homes by XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX  XXXX, XXXX FL XXXX and Certificate of Title was issued on XX/XX/XXXX by the XXXX XXXX XXXX XXXX Courts ( attached ). Since taking ownership Investment Homes has made every effort and attempt to resolve issues on title. Investment Homes attorneys pulled an official title report in which the chain of title shows the fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to Secretary of Housing and Urban Development , Assignee ) .

Wells Fargo Bank, N.A., does not have any record or proof that themortgage was indeed paid off or not. Wells Fargo Bank, N.A., can not locate any data or factual evidence of the mortgage. This has caused Investment Homes a loss of {$290000.00} on a resale of the property or a loss of {$120000.00} at Foreclosure sale plus an additional {$60000.00} on repairs, for a total of {$180000.00}. Due to the negligenceof Wells Fargo Bank, N.A., mortgagor ; and their lack of evidence to secure the proper loan documentation ; has caused Secretary of Housing and Urban Development to proceed with a false foreclosure ( non-judicial ) on behalf of the borrowers who are deceased since XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX ). 
We are requesting for Wells Fargo Bank , N.A . to be investigated for unethical practices and violatingcompliances with Federal law. 
XXXX XXXX XXXX XXXX Homes by XXXX XXXX, XXXX
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, 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. (GU)

EQUIFAX consistently fails to list my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX credit account onto my EQUIFAX credit report. EQUIFAX non compliance with the creditor lowers my credit score. I have reapetedly contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX card program to complain about this and the Creditor has assured me that they have consistently reported my XXXX XXXX XXXX XXXX XXXX XXXX XXXX card credit account to EQUIFAX. EQUIFAX has failed to comply with the creditors request. I plea for immediate relief from EQUIFAX illegal unfair pattern and practice.
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WESTERN ALLIANCE BANCORPORATION (TX)

I am making a complaint about Alliance Association Bank, which is regulated by the XXXX XXXX XXXX XXXX XXXX XXXX. 

My HOA in XXXX, Texas, recently sent me the following message : " Update XXXX Alliance Association Bank XXXX XXXX XXXX has recently been informed that Alliance Association Bank has implemented a {$2.00} transaction fee for submitting one-time payments using bank account information. To avoid this fee, please sign up for automatic ( recurring ) payments with Alliance Association Bank using a bank account or mail in a personal check. If you mail a check for payment please consider XXXX mail delivery times. Please note that credit card payments will still incur a 3 % processing fee and debit card payments will be charged a {$4.00} processing fee. XXXX receives no portion of the bank fees charged. '' I am writing to ask whether it is legal for a bank to charge a fee for using bank account information to accept payments. This is especially upsetting considering I have no choice but to use this bank for as long as I own my home. 

Please advise if there is legal recourse to this charge short of selling my home. 

I have already attempted to communicate with the XXXX XXXX XXXX  and they have sent me to you.
Consumer complaint received 2018-08-19
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/XXXX, I arrived at my residence letter from my bankruptcy lawyers indicating the action that the popular bank against me is taking in the bankruptcy court informing me that they want to charge {$150.00} for lawyer services for indicating changes in the mortgage payment. For my state of bankruptcy submitted and in defense my lawyers inform me the situation and I do not agree with this action of the bank because for all the years that I carry my mortgage nonca I was charged for such information for such reason I raise this complaint towards the banking entity