davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

I purchased my vehicle in 2019 from USAuto. Ive made every payment on time as well to collateral and principals. I wasnt aware that USAuto had abruptly closed all their doors for business. I also wasnt aware of Westlake taking over my account. Unfortunately, on August 31st my ca was repossessed by Westlake the company I had no knowledge of. I called the police as I thought my car was stolen, who then informed me of what was taking place. I was able to retrieve my vehicle after paying $ XXXX. I then reached out to Westlake to find out how much would it cost me to pay my car in full and obtain my title. The representative stated that all I would need to pay {$240.00}. Which I comply by paying that amount. I receive a receipt with the amount I paid as well as to a note next it stating Costumer pay off I then followed up the following a few weeks afterwards to make sure that everything was ok since Ive havent received my title in the mail. But it was to my surprise, when I called Westlake they informed me that there was a balance of {$560.00}. I asked them where the additional amount came from and the representative stated they wasnt sure. When I called another day another representative state that it was the principal, another representative would go to say that it was a reverse payment from when I payed back in XXXX. When I reached out to my bank financial institution to investigate that particular transaction, I was told that no such thing happened. I added Westlake to the phone conversation with my bank.. he then confessed that I wasnt reversed. Westlake then stated that after doing their investigation it appears to have been a error on their end and that they would work on getting it resolved and removed from credit. But unfortunately as months passed Ive realized that they have not done anything to redo this issue.. despite the fact that I have several recorded conversations with Westlake stating that theyre working diligently to get this removed and that it should be removed from my account within the next 48 hours. Well that was 3 weeks ago and Im still waiting for Westlake to correct their wrong
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (FL)

After having a substantial relationship with  Iberia Ban k, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  one issue  with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CO)

Prior to opening this account I had asked many agents if I would qualify for this bonus and if there were any accounts open in the past that would prevent the bonus from being applied. Everyone advised me that I was eligible. Then after the account was opened many managers and reps started to say that my direct deposit did not qualify and that the account would not recieve the bonus. After attempting to escalate this concern to the highest level I did not get a resolution. An manager agreed to review the calls to validate my concerns but never got back to me with the resolution and had mentioned that she would request to have my bonus applied to the account. Then there was some back office team that tried to change the story and said the actual reason I did not get the bonus was because of some previous account that was opened within the time period that would not qualify for the bonus. This was never mentioned to me before during and after the account was open. The bonus was {$400.00}
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (NY)

I opened two savings accounts with American Express on XX/XX/XXXX one was by mistake however I decided to keep both. I made 2 deposits on XX/XX/XXXX totaling {$3100.00}. 
another XX/XX/XXXX {$5000.00} another XX/XX/XXXX {$1900.00} and another XX/XX/XXXX {$9000.00} and then requested a withdrawal {$15000.00} to pay my quarterly income taxes and which was rejected. The other account I deposited {$3100.00} on XX/XX/XXXX and made another deposit XX/XX/XXXX for {$10000.00} and requested a withdrawal of {$10000.00} on XXXX and was denied the withdrawal.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC. (MN)

Robinhood restricted my account XX/XX/XXXX. After much effort on my part to get it unrestricted, they are now terminating my account. My positions are all currently at a loss and I do not want to liquidate my stocks and XXXX  due to the tax implications and the fact that the crypto market is so volatile, I won't be able to get in at a good price on XXXX.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

All complaints are in regards to Navient. 
- Navient does n't process my payments correctly, resulting ( only sometimes ) in late fees. But always in annoying XXXX wake up calls from their automated system. The payments are made the same way every month, automatically. There 's no reason some payments are n't processed. 
- Occasionally, XXXX ( the platform I use to pay my bills ) will be triggered by Navient to prompt me into entering a specific address to send my particular payment to, in order for it to process correctly. There is a list of XXXX some odd addresses to choose from, and all of them are similar. ( Eg : XXXX XXXX XXXX XXXX XXXX, XXXX MA / XXXX XXXX XXXX XXXX XXXX, XXXX, MA / XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA / ETC ) This is deliberately deceptive, and clearly done in an attempt to mislead people from being able to make their montly loan payment properly. Additionally, the " correct '' address is only available if you have a physical Navient bill in hand. That information is not available on the website. 

- At some point my loans were consolidated and split again. As such I make two payments to Navient each month. XXXX loan is only for a few hundred dollars, on which they charge me a {$12.00} " convenience fee '' to pay them at all. So the charge to pay down a {$900.00} loan in their system involves paying a recurring {$12.00} fee each month for no reason. A fee I also pay when I make my other loan payment. 

That seem right to you?
Consumer complaint received 2022-02-10
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. (NY)

I need someone that can help me, I am deeply upset about all these erroneous items that are reporting incorrectly on my credit report. These accounts are unverifiable, invalidated, inaccurate, & FCRA violations, I demand to see verifiable proof ( an original consumer contract with signature on it ) If everything is not reporting 100 % accurately it must be removed. These inaccurate items on my report are causing me distress, I can not get a vehicle or apartment for me and my kids. It is my understanding that you will do an investigation immediately & you will send me a new credit report that reflects the updated changes. According to law, unverifiable inaccurate accounts must be removed and if you are unable to provide me a copy of the verifiable proof in 15 days after your investigation you must remove the account.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (GA)

My social security number was a victim of identity theft. I have reported this and sent police reports and ftc identity theft reports several times to discover and Ive been told that they would delete this account. I was told it was marked out as fraud and deleted, yet discover is still reporting this fraudulent account six months later. This is a violation of the FCRA, and a violation of all of my consumer rights. This needs to be deleted immediately and removed from my credit report permanently
Consumer complaint received 2024-01-07
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. (NC)

This agency is violating my consumer rights by furnishing adverse items to my consumer report other then those allowedby law. XXXX XXXXS Code 1681c ( a ) Information excluded from consumer reports : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have continuously attempted to assert 15 U.S. Code 1681b - Permissible purposes of consumer reports, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. The consumer reporting agency has denied me my federally protected right dictate what may be on my report stating I have no right.

By denying me the opportunity to exercise my right and continuing to furnish information without my expressed permission they have assumed my idenity as the consumer which is identity theft, which is defined by 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority My privacy has been continuously violated under The Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC (TX)

XXXX, OPP LOANS ACCT XXXX is breaking the consumer law pertaining to and any other accounts. I've uploaded documents thats confirming and the law their VIOLATIONING IM DEMANDING this ACCOUNT be corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation stress if this isnt resolved I will have no choice but to move forward with litigation STOP VIOLATING THE CONSUMER LAW UNDER TITLE 15 COMMERCE & TRADE
Consumer complaint received 2024-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On XXXX XXXX XXXX I went online to make my mortgage payment. The amount due was {$2100.00}. The next day I looked online and saw that the payment had posted. On XX/XX/XXXX I received a check from the company for the same amount I had paid. I called the company and was told that I had made a double payment so they were sending me the money back. I asked them if they were sure and I could cash this check. I was told that I could cash the check. On XX/XX/XXXX I went back online and noticed that the payment had been reversed, showing me as not making my payment. I called them and explained what had happend and what they did and they said I would have to make the payment again. Even though this is their fault I am having to pay for it. 
I called and spoke with a team lead by the name of XXXX and was told that I just needed to continue making my payments and not worry about being behind. 
I also called and spoke with someone in financial assistance about being a month behind and could they put the payment at the end of the loan. I was told that they could not do that because I was not 4 months in arrears and that being a XXXX  this would look bad for me. I told them I was concerned about being a month behind and being charged late fees. I was told not to worry about it and to keep up with the late fees if I can. 
I went online to make my next payment at the end of XXXX and a few days later I noticed that the payment was showing as reversed. I called the company again and was told they would not apply the payment until they receive all of the money. 
Their mistake is causing me to be a month behind which I am not. I make my payments on time every month and I care about my credit. This will eventually affect my credit. 
I believe this is their mistake and I should not have to pay for their mistake. I would like to have this resolved by them bringing my account up to date. 
I am attaching copies of the payment history which shows what they have done with my payments.
Consumer complaint received 2024-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (OK)

Selene finance Lp took over as the servicer of this loan beginning of XXXX. The note originator had it set up that the first 4 full payments of the mortgage would be held from the cash out refinance amount in an impound to go towards the first 4 payments. The previous servicer followed this rule the one month they had the loan. This was then sent to XXXX and they started pulling direct payments out of my bank account as of XXXX while bypassing the impound that was sitting there for the first 4 payments. I contacted the servicer rep XXXX XXXX and the loan broker and note holder. XXXX emailed back XX/XX/XXXX stating they would return the incorrect draw and it would be about 3 days for me to receive it. I have since sent tons of emails and called multiple times and talked with the broker and note owner who both agree with me that what XXXX is doing is criminal. I have demanded over and over the return of funds and they said they would. XXXX also normally only respond one time over a 2-3 week period. Most of the time calling their phones they just hang up. They then as of XX/XX/XXXX pulled another wrong payment directly from my account. I was not to make any payments until XXXX however now XXXX is holding onto this extra money in their impound account and having a great time charging me double. Currently to dates they have taken {$2500.00} in wrongful draws. While holding onto an extra {$3800.00} in impound.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (VA)

XXXX XXXX XXXX XXXX ; m writing to formally address a matter of utmost importance concerning a violation of my rights as outlined in the Fair Credit Reporting Act ( FCRA ). 
My consumer report, under your guardianship, has unauthorized entries related to consumer credit transactions that are IDENTITY THEFT. NO PROPER DOCUMENTATION SUPPORTING SUCH CLAIMS AND ALLEGATIONS HAVE BEEN SUPPLIED AND MY WRITTEN AUTHORIZATION WAS NEVER GIVEN : I HAVE ASKED FOR THIS PREVIOUSLY BUT BECAUSE THE CORRECT INFORMATION WAS NOT SUPPLIED, IT BRINGS US HERE. Please be explicitly clear on this matter : at no point did I grant or was approached for any authorization pertaining to these transactions. XXXX XXXX XXXX XXXX XXXX XXXX alarming to have to go through these things, and the implications for me are profound. 
As outlined in 15 U.S. Code 1681c-2 ( a ) ( b ), your agency has a really important duty UNDER FEDERAL LAW to block information stemming from a identity theft scenario. The requirements are unambiguous : 1. The provision of a valid identity proof of the consumer.

2. A duly filled identity theft report.

3. The identification of questionable entries by the consumer.

4. A declaration from the consumer dissociating them from any transactions related to the said entries. 
Further, subsection ( b ) details your responsibilities in terms of swift communication to the entities who furnished the questionable information. 

To reiterate, in accordance with FCRA 605B, XXXX XXXX XXXX XXXX ; ve furnished all necessary documents, reports, and statements to your financial institution. Now, XXXX XXXX XXXX XXXX XXXX  XXXX your turn to act, and it is long over due. I expect, and the law mandates, that you provide me with evidence of your proactive steps in this matter, including informing relevant parties and placing a block on the questioned information. 
Your inadvertent oversight has already dealt a heavy blow to my financial reputation, causing personal distress and consequential roadblocks in my endeavors. Such transgressions can not be taken lightly, and I urge you to redress this situation without further ado. Failing to act judiciously may leave me with no choice but to seek legal recourse. 
XXXX XXXX XXXX XXXX XXXX XXXX paramount to recognize that while your organization wields profound influence over consumers & # XXXX ; lives, this power comes with great responsibility. Our birth certificates and the information they contain, our very identities, should be sacrosanct. 
I await your prompt attention to this pressing matter, but I am not finished.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Issue # 1 ) I 've requested to receive written communications ... everything is still sent electronically. I want a paper copy of EVERYTHING that happens with this company sent to my home address. Issue # 2 ) I requested a consolidated transaction history of all loans sent to me. I 've requested 5 different times. I have yet received a consolidated history. Issue # 3 ) ... and the most important. I 've called 5 different times to receive an answer and written evidence. A reversal on my account for XX/XX/2016 appears for XXXX but was never refunded. On XX/XX/2016, the same thing occurred. I was told there was some magic transaction that money was returned to the FED. But I 've again and again requested evidence that this was the case. Nothing!!! No written letter. Instead, it 's been some customer service agent reading notes on my account and guessing. It 's {$3200.00} ... I want proof of what happened. Otherwise, I think the company frauded me out of my money! Lastly, why was {$370.00} applied to interest on a payment of {$1100.00} made on XX/XX/2016. I make a monthly payment each month. I would say I make the minimum but I do n't know since I DO N'T RECEIVE THE XXXX STATEMENT!!!! I 'm told there are XXXX different loans and they all do something different and I sent my payment to the wrong address. AGAIN ... .I DO N'T RECEIVE THE XXXX STATEMENT!!!!!! Navient has messed my loan up so badly. I want a full accounting of my payment history on all my accounts. I want a printed copy sent to my home. I want {$3200.00} credited to my account that was stolen. I want all future communications sent to me in writing. I want an summary of the account loan and terms sent to my home. I want an explanation of the amortization schedule and P & I requirements. I want to understand what is happening with my loans. I work for a XXXX ... .I have for 10+ years. This is fraud and trickery abound here!
Consumer complaint received 2024-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Viking Client Services (IA)

Vikings Client Services, LLC is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) by using abusive, unfair and deceptive practices against me in the form of harassment by contact me by phone, text, email and U.S. mail for a debt I dont owe and is the result of identity theft. I never rented a car from or had a rental agreement with XXXX XXXX XXXX XXXX. Someone stole my identity, drivers license, social security card and credit cards and rented a car from XXXX XXXX XXXX XXXX in my name. The debt collection account is fraudulent and not my debt or account.
Consumer complaint received 2024-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened a 360-performance savings account with Capital One in XX/XX/2023. Once I was approved and qualified I put {$10000.00} into that account. on XX/XX/XXXX Capital One took that money out of my account without any explanation. I look at my Capital One savings account on my app and it tells me that my money has been withdrawn, and I no longer have access to my account. I called Capital One to get some information and they sent me to a XXXX XXXX number to leave a voicemail. I left voicemails three times and no one has called me back. I went into a bank in XXXX, TX personally and received no help but that I should try calling that number again. My money is nowhere to be found and it is not in my personal bank which is XXXX. 
Capital One refuses to talk to me about my account. When I leave a voicemail it says somebody will get back to me within 48 hours and that has yet to be done and I have called them three times in a month ( XXXX, XXXX, and XXXX ) and no one has called me back.