davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-30
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. (MT)

Introduction to the Issue : I am writing to file a formal complaint against Equifax Information Services LLC regarding the ongoing reporting of collections on my credit report, which has been furnished by XXXX XXXX XXXX. Despite my multiple attempts to dispute this inaccurate and outdated information, Equifax continues to report it as verified. This situation has not only damaged my creditworthiness but has also raised serious concerns about the accuracy and legality of their reporting practices. 

Continuous Reporting Despite Disputes : Since my initial dispute, I have not received any substantial information from either XXXX XXXX XXXX or Equifax to support the validity of this debt. Nevertheless, Equifax persists in reporting it as verified. This ongoing reporting has caused significant distress, as it inaccurately portrays my credit history and financial responsibility. 

Status of XXXX XXXX XXXX : It's crucial to note that XXXX XXXX XXXX has been out of operation since XX/XX/2009. This fact is well-documented and should be readily available in Equifax 's records. Despite this, Equifax has failed to rectify the reporting of this debt, which calls into question its commitment to adhering to the Fair Credit Reporting Act ( FCRA ). 
Lack of Licensure in Montana : XXXX XXXX XXXX is not licensed to operate as a debt collector in the state of Montana, where I reside. This is a clear violation of Montana state law, and it should further invalidate their ability to report this debt on my credit report. Equifax 's failure to acknowledge this violation adds to the mounting concerns about its reporting accuracy and compliance with state-specific regulations. 

Impact on Creditworthiness and Legal Implications : The continued reporting of this inaccurate and outdated debt has had severe repercussions on my creditworthiness, affecting my personal and financial life. I firmly believe that Equifax 's actions are not only damaging but also potentially unlawful. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which were designed to protect consumers from unfair and inaccurate reporting practices. 

Request for Immediate Action : In light of these concerns and the clear violations of federal and state laws, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Equifax should be held accountable for their actions and for rectifying the inaccuracies on my credit report promptly.
Consumer complaint received 2023-08-03
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: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the fair credit reporting act, This creditor has violated my rights. 

Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A 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 may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-30
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)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-09-30
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC (CA)

I'm trying to get my Next Advance Loan, by : Dave, for at least {$25.00} or {$50.00}, but Dave only can give me Seven Days to repay it back, to them.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am urgently seeking the removal of this inaccurate inquiries on my account this entry is causing me undue stress and worry. I request that you promptly rectify this mistake by updating my account accordingly.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (FL)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC (TX)

Complaint that XXXX XXXX XXXX XXXX XXXX violated the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. app. 501-597b
Consumer complaint received 2023-09-30
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC. (FL)

A phone call was placed to my personal cell phone number at XXXX XXXX  XXXX  time XX/XX/2023. 
I returned the call at XXXX XXXX XXXX  Time and requested an email address and mailing address. 
I spoke with XXXX representatives in which directed me to the website and not grant the information collected. 
I asked to for proof of the a legal binding contract between XXXX XXXX and Caine & Weiner. 
If the debt can't be validated, I request that Cain & and Weiner cease all further collection activity and reporting of a debt that isn't owed.
Consumer complaint received 2023-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

I used Venmo to send money to a contractor for window replacement services at my house. I sent him {$13000.00} as a deposit. Not long after this transaction, the contractor found out there would be a problem sourcing the materials. So he promptly returned my payment of {$13000.00}. This left me with a deposit of {$13000.00} in my Venmo account. I tried to transfer this back to my checking account, but Venmo informed me that I have a limit of transfer to my bank of {$4900.00} per week. This means it would take 3 weeks to fully withdraw all the funds in my Venmo account, so I left the money in Venmo in anticipation of needing to send it to the contract at some point in the future. 

After XXXX hours of work, the contractor was able to secure the materials for my project, at which point I attempt to resend the {$13000.00} via Venmo. Venmo declined this transaction multiple times, so contacted their support and chatted with an agent for about XXXX min. The agent informed me that I had zero options to be able to get my money or to send it to anyone because the transaction was blocked by an automated security system. I asked multiple times to escalate the matter, but the agent informed me that this was futile because the company did not have a process to override the automated action and that no amount of escalation would resolve this.

Essentially, Venmo is now holding my money hostage, and they can't even tell me whether I will be able to complete the transaction at a later date. I find it abhorrent that they don't even have a process to override an automated system, which has the effect of preventing a user from accessing funds. I would say this is theft of my money.
Consumer complaint received 2023-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AL)

I have XXXX charges I have disputed twice with no resolution. Both charges were with XXXX different merchants both billed to a chase card ending in XXXX. 

The first was a hotel charge for XXXX XXXX XXXX XXXXXXXX ga on XX/XX/XXXX. For XXXX. The second was a XXXXXXXX XXXX charge on XX/XX/XXXX for XXXX. 

I did stay at both hotels and used points and had no charge for the room. I also had free breakfast at both. Parking was free at XXXX XXXX XXXX. XXXX had a charge but waived all my parking charges. I did not charge anything to my room on either merchant. 

I have tried to dispute these twice with no success.
Consumer complaint received 2023-07-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America unlawfullly resold my home at XXXX XXXX XXXX, XXXX NJ XXXX As said before they violated my 5th and! 4th Amendments. They also violated my rights under 43.101 ( 1 ) Thru ( 5 ). They have been involved in many class action lawsuits. The last one in Boston where the Federal Judge had to dismiss the lawsuit due to to many different violations committed by Bank of America
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (PA)

Please have this credit bureau investigate my credit file I have accounts on my credit file that dont belong to me. pending the outcome of this investigation please havre this credit bureau reomove this information that isn't correct and update mfy credit report with 100 % accaurate information on my credit file. Thanks
Consumer complaint received 2023-09-30
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2020-03-18
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: WELLS FARGO & COMPANY (NJ)

Given the remnants of the financial crisis as it affected the housing market, I fell behind on mortgage payments on a property that I own. The property was purchased in XXXX and we moved out in XXXX. Prior to moving, the property was listed for sale but with no offers it was converted to a rental. As we were unable to sell the property we rented it. In XX/XX/XXXX our renters gave notice that they wouldnt renew the lease. The house was vacant and put on the market again for sale. I carried the mortgage payments on this property as well as my primary residence both with mortgages from Wells Fargo. While I fell behind on payments on the rental property mortgage I was not 30 days late. I finally got Wells Fargo to agree to a payment arrangement after several unsuccessful tries. By the arrangement I agreed to pay the past due amount over 3 months in addition to the regular monthly mortgage payments. It was my expectation that Wells Fargo would not report late payments during this period. Just to be clear, when I entered agreement I was not 30 days late and had never been. The arrangement actually created the 30 day lates that were reported by Wells Fargo in XXXX and XX/XX/XXXX. Had I known that this would have harmed my credit I would have taken a loan for the past due money instead of basically accepting an agreement that hurt my credit. Wells Fargo claims they indicated theyd report me as late. I dont recall this and again would not have entered into this agreement if the terms of the reporting were indeed actually clear. Also, my spouse is on this mortgage and Wells Fargo never got a spousal agreement as to this arrangement which has hurt both of our credits.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSCARD, LLC (NY)

I am facing continued trolling and harassment from TranscardXXXX  as of today XX/XX/XXXX which has been a process that stye have put me through for years. The card, card number, and card info they have sent me, today, is unable to be used to purchase a Gift Card on XXXX, to pay for an order on XXXX, and can not even be added to XXXX XXXX or linked to XXXX. Therefore, TranscardXXXX must stop wasting my time and send to me a check in the amount of {$8.00} ( and if they do, they can cancel this card ) instead of prolonging what is years of trolling and harassment. The card they have sent to me has {$8.00} on it, as per their online platform paynuver, and the last XXXX of the card is XXXX. Is expires on some future month and year that is after the period XX/XX/XXXX -- can not share more in this semi-public complaint.
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (MA)

I have a long standing relationship with Navy Federal Credit Union. Well over 10 years, multiple loans, lines of credit and credit cards have been issued to my name from them. 
Recently I applied to have my auto loan refinanced. I wanted to lower the interest rate. I just barely got the vehicle about XXXX mos ago and obtained financing thru a different credit union. NFCU gave me a higher interest rate compared to my existing credit union and could not expand as to why and or what was causing for the rate to be so much higher. In addition the financing term would be a shorter term compared to my current credit union. I monitor my credit regularly, all payments are on time, credit usage is low, and 100 % of payments have been on time. So I was shocked to hear that they put me towards the bottom of the interest tier when they offered me such a high interest rate.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I opened a new credit card with Wells Fargo. Once I received my card, I called customer service to request authorized user cards. I asked if the cards could be rushed over. The agent confirmed that they could rush over the card. I was not told that there was any fee. I was looking at the card charges and saw a {$16.00} charge for RUSH CARD DELIVERY FEE. I called Wells Fargo customer service to inquire about the charge. I simply asked the agent what the {$16.00} charge was for, nothing else. The agent automatically processed a credit for that charge. This is without me asking for a credit. 

Wells Fargo is continuing its abusive practices and so I wanted to bring to CFPB 's attention.
Consumer complaint received 2023-12-29
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: AMERICAN EXPRESS COMPANY (NJ)

Attaching receipts of the travel booking made for airfare and cruise where the company XXXX provided us with an unsanitary room and non functioning shower/bathroom, pictures attached. They offered a partial refund for {$1500.00} and never gave it. Reached out to Amex for full refund for {$3000.00}. Claim was not fully investigated and closed without fair review. The entire ship was fully booked and they were unable to accommodate us into another room until the end of the trip.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

I received a letter from Citi bank ( image of letter is attached to this complaint ) Stating the they were pleased to tell me that my " provisionL credit will be permanent " I never received any form of pay or added funds, less any provisional credit and now the dispute being resolved and closed and in my favor, THEY NEVER ADDED THE FUNDS to my account Not as a provisional credit nor now that it is resolved and closed ( DO NOT SEND ME A LETTER CLOSING MY CASE STATING SOMEONE ELSE MUST BE DOING THIS OTHER THAN MYSELF, what in the world is that!?!??! ) I AM XXXX XXXX
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

The timeshare company called me to ask if I would like to put my timeshare into deferment. I agreed, and I thought that is what I signed up for, but a few months later, They reported the 2 payments as a default instead of deferment. I am unsure if it was a mistake, but I would like this fixed. I have been denied credit and I am very upset! I fight hard to eep my credit in good standing, so for this to happen, it is truly disappointing.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

My new servicer ( MOHELA ) sent me what my payment will be and the amount is inaccurate as it did not take into account my wifes student loan payments. Since my wife and I file married jointly, they are supposed to take a weighted average between our payments and the combined should be what they are saying we owe individually. Our loans used to be with XXXX XXXX as I am working towards XXXX. When I called my servicer, I was on hold for more than XXXX minutes and the representative could only say they are using my AGI from 2020 tax year to calculate my payments. I used to be on the REPAYE plan and now I was moved to the SAVE plan. The representative said they will submit a request for it to be recalculated but no promises. She also told me to reapply for the SAVE program and recertify my income in order to fix the problem. And although this may fix the problem, I am not required to do income recertification until next spring. Its in my favor financially to not do recertification until Im required to do so. In addition, the representative said they do not have any files or documentation in my account. Im assuming XXXX may have failed to share my last income verification and IDR application, however this isnt, or at least shouldnt be my fault or my issue to manage. Its incumbent upon MOHELA to get what they need to do their scope of work from XXXX correctly. I have opened a case with the Department of Education. So far, ( after more than a week ) I havent heard anything from either organization. Keep in mind that MOHELA said 2 days I will get a response and the department of education said two weeks. The other issue is I have sent numerous electronic messages to MOHELA asking for information and in the rare instance I get a reply, it doesnt answer my questions. I usually just dont get a response.
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

My loans are with Mohela. I have over XXXX qualifying payments for XXXX forgiveness on XXXX loans. Over the past XXXX months, I have repeatedly requested to move my loans into an active status, so they may be processed for forgiveness. This is important and time-sensitive, as the interest accrues over XXXX a month to my balance.

Three times now, without any request or authorization, Mohela has continued to place my loans into forbearance and deferment. The only way I know this is that they follow up with a letter saying, " Your request for -- - has been processed '' - Yet I have NEVER made such a request. In fact, I have now sent THREE letters and countless phone calls asking them to stop this unauthorized action.

I feel this is a deceptive practice to intentionally delay the processing of my XXXX and continue to increase my balance through interest accumulation. I have documentation to demonstrate each time they have done this and documentation of me repeatedly asking them to stop taking liberty of placing my loans into forbearance or deferment. I have repeatedly clarified that I do not want this and it is being done against my will. I have been making payments on my remaining loans through the SAVE plan, yet my interest just accrued XXXX to my balance- which Mohela previously told me would not happen. 

I am beyond frustrated with this process and the time spent attempting to communicate with this loan company. I feel someone needs to examine their practices that are delaying earned loan forgiveness.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I have noticed that XXXX, XXXX, and Equifax are reporting accounts, inquiries along with addresses that are not accurate fraudulent and being reported without my permission. According to the FCRA XXXX, Equifax, and XXXX need my written permission to furnish anything on my consumer report, which they do not have. I did not give consent to any person to obtain my non public personal information. The reporting of these accounts and information are violating my right to privacy and defaming my character, which is hindering me from obtain credit. I demand that these companies cease and desist all fraudulent and inaccurate reporting immediately.