davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

I am attempting to purchase my leased vehicle. My contract says I will pay the residual value plus {$300.00} fee plus sales tax. Nissan XXXX says they do not sell vehicles directly and I must go through a dealer to make the purchase. XXXX Nissan states they charge a {$690.00} doc fee for all purchases including lease buyouts but this is not in my contract.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My issue is with Wells Fargo Bank Checking Account. I had funds in my account on XX/XX/23 and I was charged overdraft on XX/XX/23. I called the bank XX/XX/23 and they gave me a partial refund of {$17.00}? Why give a partial refund? I also have a deposit pending with Wells Fargo on XX/XX/23 which should have posted XX/XX/23. It's now XX/XX/23 and I've been charged again for overdraft. Can Wells Fargo hold a deposit while they charge overdraft fees? Technically they are the ones who have my money so I can't do anything until they decide to post my deposit while charging me?
Consumer complaint received 2023-11-14
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SLM CORPORATION (NJ)

Sallie Mae has been providing misleading advertisements about scholarships through their scholarship programs and platforms such as XXXX and XXXX. Sallie Mae has not made students aware of scholarship displacement, a practice that postsecondary institutions use to force students who have received outside scholarships into additional student loan debt or make them drop out of college. Sallie Mae has known about the practice for years and continues to mislead students, knowing that the students will become victims of scholarship displacement. Sallie Mae uses their scholarship platforms, XXXX and XXXX, to force students to get their loans once they become victims of scholarship displacement. Sallie Mae must be investigated for their misleading and predatory advertisements and practices. I have added new information to this complaint with a screenshot of how Sallie Mae uses their scholarship businesses to steer students into getting their loans.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I fell behind on paying my mortgage with Nationstar Mortgage LLC and requested a modification that was approved in XXXX 2016. The terms of the modification were a new 40 year mortgage with a new balance of which {$58000.00} was deferred and non-interest bearing. My complaint is regarding the legality of this agreement. The original loan was {$160000.00} and now the new loan is {$190000.00} of which the property is not of that value. This property is in XXXX that is very crime ridden and economically XXXX. There are no formulas or itemized detail that shows how the new loan amount was determined and how the deferred amount was determined. This loan leaves me in a worse off situation that before and my understandings of modifications are to help the owner save the property but not put them in a worse off situation. This agreement has a new payoff in 40 years again worse off than I was currently at. I do not think this lender is providing options for homeowners that actually help homeowners and would like someone to review this please.
Consumer complaint received 2024-04-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

THIS IS NOT MY ACCOUNT AND I HAVE NO KNOWLEDGE OF THIS WHATSOEVER I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with theseaccounts, ( i.e.anORIGINAL CONTRACTBEARINGMYSIGNATURE ) XXXX formally request that this information be immediately deleted from the credit file you maintain under my social security number.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

In XXXX, XXXXmy account was assessed a late fee of $ XXXX.plus interest of {$1.00} My payment was posted onXXXX. I was told that the statement date was the XXXX of each month From that month to the present, I made my contracted payment plus any additional interest that was charged, on or before the statement date. Because I did not make the first {$40.00} payment, an additional late fee was added each month despite the fact that the contracted payment was made in a timely manner. Additional interest was also added which I also paid. In XXXX I was finally able to have my dispute resolved with the executive branch of XXXX XXXX and all of the late fees billed {$200.00} ) were re-credited to my account but not before a delinquent status notification was placed in my credit file that resulted in the reduction of my credit score by XXXXpoints. The credit bureau dispute resolution department is not willing to correct the error in my credit file but has told me that I would have to wait 45days for the matter to correct itself. In the meantime my creditors have either reduced my credit or withdrawn my credit privileges altogether. XXXX XXXX had me pay an additional month 's payment and then advised me that this amount was credited to the principal and i now requiring that I pay another month in XXXX. I would like my credit file to be updated to reflect no delinquency and that the payment that was credited to the principal without my approval be credited to my XXXX payment due which is what I was told originally. As you can see, I do not pay my debt late and have bad no delinquencies for the past years. Please help me to correct this unfair practice.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. This has effected me from buying a house
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NY)

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the treatment I have received from JetBlue Barclays XXXX Credit Card. I have communicated my financial hardship, stemming from the pandemic and a 50 % loss of income since obtaining this card, to the company. 

I am currently facing an interest rate of 29.99 %, the highest among all my credit cards. Despite multiple attempts to negotiate the APR with the company, I have encountered no success. 

Despite my consistent efforts to make payments, I recently faced a reduction in my credit limit, resulting in a sudden XXXX drop in my credit score.

In addition, I have encountered several issues, including excessive fees, inconsistent interest rates, and inadequate customer service. In the year 2023 alone, I incurred {$98.00} in return payment fees and an astonishing {$350.00} in interest rate charges. 

As of my statement balance on XX/XX/, which was {$1600.00}, I have diligently reduced my outstanding balance to {$590.00}. 

I am seeking your assistance in conducting a prompt investigation into these matters to ensure fair and transparent financial practices. Your attention to this urgent issue is greatly appreciated. 
Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In XXXX, XXXX reported a 90-day late payment which has impacted my ability to obtain credit. In accordance with the Fair Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Sec 602 states I have the right to privacy. 15 USC 1681 Sec 604a section 2 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 an open end consumer plan late for any purpose.
Consumer complaint received 2023-11-14
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMERICAN ADVISORS GROUP (NC)

I was told that my mortgage would be paid. After one year I would be able to access an equity line of credit after XX/XX/. My line of equity would be a growth account tax free. Any withdrawal for that account would be tax free if I had needs and may or may not be paid back. I went to see if I could access this account and was told {$0.00} was my line of credit. I took FHA counseling and went over what was presented by AAG. I needed to pay for a new roof that was discussed at all agents and FHA which was why I got a reverse mortgage in the first place. I was pushed to get all the paper work in and they even sent a notary to my home to push the documents through without time to review. I even called several times during the 12 month initial period and they said after 12 months I could access the growth equity funds if needed. I will submit what you think you need since there are many documents I could send in. Let me know. This is taking advantage and misleading of a senior.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXX Delete this account. 

7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

8. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS DEPT OF ED Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (FL)

I paid in full for a balance transfer on XX/XX/XXXX, then on XX/XX/XXXX I requested a new balance transfer. On XX/XX/XXXX the system made an autopayment, that I never setup, for the full amount. They agreed to reverse the payment, but instead of reversing the payment to the new balance transfer, they reversed the one for the old one. It started charging interest. Somebody tried to resolve the issue by transferring the balance but it did not work, I'm still being charged interest and no one at Citi is idoneous enough to fix the issue. The new balance transfer is supposed to start charging interest only in XXXX of 2024. I have invested at least 20 hours on the phone with Citibank, the call center seems to be in XXXX, and even when I'm transferred to a call center in the US they promise to take 3 to 5 days and it never gets resolved. It's now been 5 months of this issue and no one seems to care. No one cares, no one escalates. They are still pending refunding 2 months of interest. They do what they want when they feel like it.
Consumer complaint received 2023-11-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlas Credit Company, Inc. (TX)

The issue is with Atlas credit company in XXXX, Texas they are constantly threating legal action. Every single day they go to my house knocking loud then park in my drive way and start honking repeatedly for several minutes at a time. They have also go as far as going to the neighbors and telling them that I do not pay my bills. They leave signs all over my fence and car, today they followed me in town till I got home and ambushed me telling me they needed a payment
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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.

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 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX  Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Consumer complaint received 2023-11-14
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. (CO)

Agreed to cosign on a car loan for my sister through XXXX XXXX XXXX We made a payment on XX/XX/XXXX XXXX  and another payment on XX/XX/, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/ to XX/XX/ is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, Equifax, XXXX, and XXXX XXXX, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided Equifax, XXXX and XXXX proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet XXXX, Equifax and XXXX are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should XXXX whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for XXXX, Equifax and XXXX XXXX to remove the derogatory remark for my credit report but because XXXX, Equifax and XXXX will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.
Consumer complaint received 2023-11-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK (IL)

Achieve Personal Loans is a prime example of using bait and switch tactics. They insisted my rates would be 10-18 % and could even be as low as 5.99 %, in order to pull my credit. I specifically told them I was not interested in anything over those rates and was promised they were accurate. XXXX, XXXX and XXXX have all agreed that this was a bait and switch operation. They are now ignoring my phone calls and giving me the run around as to what is going on. 

Thursday, XX/XX/2023 - XXXX XXXX : Received email regarding application - XXXX XXXX : Received email requesting Driver License, Voided Check and Paystub Within 30 Days Friday, XX/XX/2023 - XXXX XXXX : Received email regarding pre-approval - XXXX XXXX  : Received call discussing options and was told rates were between 10-18 % while on the phone with XXXX and XXXX XXXX. We agreed to move forward based on the information she gave us and specifically stated we did not want our credit pulled if it was going to be over the rate discussed - XXXX XXXX : Received email requesting documents again - XXXX XXXX : Received call from XXXX to go over options they had generated over 10-18 % - XXXX XXXX  : Received call from XXXX notifying us she was escalating the issue to XXXX - XXXX XXXX : Received email from Jade about escalating the issue to XXXX XXXX ( Manager ) Sunday, XX/XX/2023 - XXXX XXXX  : Called XXXX, left voicemail to call back - XXXX XXXX : Called XXXX, left voicemail to call back Monday, XX/XX/2023 - XXXX XXXX : Emailed XXXX asking for an update Tuesday, XX/XX/2023 - XXXX XXXX : Called XXXX, no answer - XXXXXXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX : Called XXXX, no answer - XXXX XXXX  : XXXX called back, told us she would escalate it to another manager
Consumer complaint received 2023-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (TX)

I opened Wells Fargo CHOICE PRIVILEGES MASTERCARD ( card number : XXXX ), and the welcome bouns was XXXX Choice Rewards points after spending {$1000.00} in 90 days after account opening. I reached this line but even after waiting for XXXX statements, I still do not see the welcome bouns. During this time period I made multiple calls to both Wells Fargo and XXXX XXXX, but they only asked me to wait and did nothing to help. So I launch this complaint.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

In XXXX this year my home mortgage with XXXX XXXX was deleted from my Experian credit report and my XXXX score went down from XXXX to XXXX I call both XXXX XXXX and Experian and both are blaming each other and neither XXXX XXXX or Experian are fixing the problem. I try numerous times with both company 's to get an explanation and we went nowhere. Your help in this matter will be greatly appreciated. 

Thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Seriously, this is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I need the following items to be corrected or deleted ASAP. Thank you. 
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