davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Javitch, Block & Rathbone LLC (KY)

I have XXXX private student loans through XXXX XXXX XXXX XXXX  etc. My father co-signed but after he died in XXXX I was the only one on left on the loans and they came after me pretty hard. I defaulted. They got judgments on all four. They have garnished my wages. I paid one loan off and was working toward paying off one of the the very largest of the four. On XX/XX/XXXX I received a " Release From Garnishment '' from the Court that granted the garnishment ( submitted by the debt collector Javitch and Block ). The Release was for one case only. It was on the case that I owed the least amount on and ( most importantly ) NOT the case I was paying a garnishment on. The Release did not say why that case was being released from garnishment, nor did it name any terms or if there would eventually be areturn to garnishment. I called Javitch in XXXX of XXXX to find out what was going on. The person I spoke with said that he didn't know. That it was unusual for the company to release a garnishment and that they must have done it because my other 2 loans that were outstanding were so large they decided to write the smaller one off. A year passes and I am still paying on one of the larger loans. I get a notice of garnishment from the state treasurer ( I XXXX  for the XXXX ) that my wages will now be garnished on this old case that I thought had been released! I had not finished paying off the other loan yet. So, I called Javitch again. This time I talked to an attorney. He said the release that I received a year ago was to provide relief for loan holders during COVID. I told him that it didn't! I was being garnished the whole time! Over {$1000.00} per month. I kept my main employment but I lost work due to COVID. A lot of work and so did my husband. We are behind on all of our bills due to this loss in income. This attorney made some jokes about XXXX giving me relief, etc and said there was nothing anyone could do about it now! Really? Is that really true? Shouldn't they have to give me back the money I paid them during the time that I was not supposed to be paying? They still have a garnishment now! Can you help me?
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

I opened my PNC account in XX/XX/XXXX. My account has been messed up from the beginning. They released payments to merchants I do not have an account with nor do I owe money to them. They paid frauds charges to merchants then took money from my savings without my consent placed it into my checking and released that money to fraud charges. I have filed many disputes in which they denied half the claims and the other there was supposed to be a credit that didnt show posted went back and did a reversal of payment basically charging me three times for fraud activity. I, made them aware from the first month. I had seven debit cards reissued each time the same problem happened. All of my savings were illegally transferred and spent on fraud charges this included my stimulus payments and income tax refund for state. I want my money back. I havent touched my account and from XXXX to XXXX over {$7000.00} was illegally removed from my account. Then the bank tried to manipulate me as if it were my problem claiming they wouldn't deal with me anymore when this was their fault. I opted out of overdraft protection it states on each monthly statement therefore they hasd no right to let fraud merchant charges ruin my account, transfer my savings to cover fraudulent charges then refuse to put my money back into the account. I have been without my card for a month since then XXXX was put into my account. I activated the card XX/XX/XXXX and the funds were gone again after going in personally and blocking these merchants they continued to release my money knowing it is fraud. You can tell by thew fact there is 20 charges a day by this merchant. I want my money refunded from the state as well as the fraudulent activity they allowed to occur on my account. You can see where it shows I did a transfer online and phone then it states funds transfer which shows it was on their end and for no reason when the account had money in it. I should have over XXXX in my account that is fraudulently gone and unexplaianable charges and transfers that were not authorized. I can tell it was premedatated by the fact the first months statement came with a notice stating fraud and warning the credit bureaus of my account as if they had this planned. Then told me that was the point of the account. No it is to save money and checking to pay bills. I know what my monthly bills are and never exceed my spending to the point where my savings had to be touched. Yet, the bank did this now I was robbed for all my government benefits and savings. This is fraud and swindles, a breach of contract and should not present insured by FDIC of {$250000.00} and then do not refund my account for theft by deception and fraud. I am livid and do not know who to contact to resolve this matter and get my money refunded as it should be.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document for my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and identity theft. I need the fraud accounts that are in my letter that are attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (CA)

I called the company who is tried took over for XXXX XXXX XXXX. Allied Collection Co. took over the account XXXX XXXX, XXXX. The amount I owe now as of today is {$1900.00} That amount was way less when I tried last year to resolve my issue. I tried to make payments, they refused to take payments. I asked if I can do a payment plan, they refused as well. I asked if I can settle, they refused to settle. The answer I got back from the person on the phone was I had to pay in full, they do not settle. They said I made only one payment. I honestly thought I had paid the account and it was closed. But they say I didnt, so I tried to reason with the company and they refused, so I stopped calling. I said I wasnt going to pay for fees Im not responsible for if they cant settle with me. So I hanged up because the refuse to work with me. I even tried to despite it though XXXX XXXX and I was denied. Dont know what else to do to get this off my credit report and resolve this issue with that company.
Consumer complaint received 2023-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) in GENERAL 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. 
I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, No consent is identity Theft.
Consumer complaint received 2022-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (NJ)

In XXXX of XXXX I lost my husband, I paid my mortgage off with the money he had left, he worked for the USPS and they put remainder of funds into a annuity account, my family wanted me to go to speak to a financial advisor to see what I should do with the remainder of funds, I was told at Wahcovia at the time to invest into an Money Market account and take out a Small ( XXXX ) revolving equity loan so I had a write off as I paid the home off, not sure what to do I trusted them but was not back to working and really did not need another payment as we had just purchased a new home. before he passed. I am 20 years into the loan paid a monthly bill whatever the payment was added to principal at times and never saw a amount off principal balance tried several times to to take out additional funds to fix up the home and upgrade, and was denied, also never told why exactly, I did receive paperwork about equity loans being given out at Wachovia with faulty disclosures and filed, but never received any following on that.. I had called and asked to speak to XXXX XXXX as she help out that day and was told she left the bank, I asked for what location she was at and was told they could not help me. I am asking now because I have a 40 year loan that I was never permitted to increase and was frozen in XXXX because of XXXX late payments,,,, also it was interest only payments for 20 years with a 20 year draw which was frozen 7 years into, and now they want payment high interest for another XX/XX/XXXX years on principal with again daily interest? I was even told to go to another company and ask for a loan to pay off this loan which I paid interest on for XXXX plus years..Seems like I am way overpaying on such a small amount my home has increased in value over the first XXXX, I am so confused and never heard of a 40 year loan and such long interest payments, ( 40 years interest ) .but I was taken advantage of at a rough time in my life I have stopped payments as this is not realistic, or fare to the customer. Please contact me for further information Thank you for your prompt attention to this matter XXXX XXXX.
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I started the process of completing a refinance mortgage application with Cardinal Financial Company , XXXX XXXX DBA XXXX XXXX on XX/XX/2021. From day one, the loan originator, XXXX XXXX, assured me that this was a straight forward refinance and that I will be able to close before and within 45 days. To this date I have signed 6 closing disclosures because they haven't done there job. I have provided them with everything they have asked for within a few hours usually the same date or first thing the next day. They keep extending the closing date and adding rate lock fee ( {$340.00} ) which they state is my fault and I have done nothing wrong. The statement reads " rate lock expiration date change resulting from borrower requested change or extension ''. I have asked several times for what is causing the delay since they have all my necessary paperwork and documentation and their response is that there is a lien on the property. I have told them multiple times there are no liens as this is state law for contractors to put a lien until they have completed the work. I have provided the notarized contractor affidavit of lien releases in a timely manner ( I have attached those for reference ). I'm absolutely appalled by the way I'm being treated and the deceptive practices Cardinal Financial Company , XXXX XXXX DBA XXXX XXXX follows. I'm not sure what do to do at this point because I'm getting no responses back from them when I email them. I have requested to speak with a manager but no response on this either. I also don't want to cancel this loan because the rate is great and since XXXX the market has gone up so I would have to pay higher rate.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

On a XXXX of XXXX i made deposit from my XXXX XXXX personal checking account to my chase buisness checking account two checks one of them in the amount {$19000.00} another one in the amount of {$20000.00} one of them i did with mobile app and second one i had to do on atm becouse of a limit on mobile app deposit. 
While i was doing that i made a mistake i put the same check number on both checks " XXXX '' so becouse of that Chase Bank put hold on one of the fund till XX/XX/XXXX. 
And put restriction on my account. Then Chase Bank forwarded my Chase Buisness checking account to fraud department and at the end they end up closing my account. 
They never informed me about whats going on and that it was the fraud department dealing with it. 
I called them to find out whats going on around XXXX of XXXX and they told me becouse of same check number they have to hold it and asked me to go back to XXXX XXXX bank where the money came from to put a claim to return the money back to XXXX XXXX bank they said thats the only way to get back my money. 
I did that and put the claim time passed by XXXX XXXX did try to get the money but Chase Bank never responded for their claim. And then i contacted the Chase bank fraud department again around XX/XX/XXXX or so on the phone they said i have to go to branch and show statement or on my XXXX XXXX  bank app that money was taken out from my wells fargo account so to prove that money got out of wells fargo bank. 
And on a XX/XX/XXXX i went to Chase Bank branch and talked to member of the bank and explained what is going on and when he checked my account it was closed and there was a note to call that department. and he called them and at that moment that department told him to put some adjustment to find the where the money is so they kinda messing with me all the time when i call them every time they come up with some kinda new excuse about my money. All the time when i talked to the they never provided me any case number or refrence number for my phone calls i asked the but they said they can not provide anything in writing or any kinda case number about calls i made i asked them send me letter about what is going on and why my money is in hold they said letter was sent on around XX/XX/XXXX or so but i never get that.
Consumer complaint received 2021-05-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In a previous dispute, I had included a document from XXXX XXXX where they had asked the four credit bureaus to adjust their records and reporting to reflect what's in the quotes below. So far the XXXX XXXX account has been removed from all four of the reporting agency 's but only on my accounts. The request from XXXX XXXX below states " of XXXX XXXX and XXXX XXXX '' maybe its an oversight but the deletion has yet to happen on my wife 's Transunion and XXXX accounts. 


" we submitted an update to the credit repository agencies with instructions to adjust their records for your credit history as follows : Please delete the account from the credit records of XXXX XXXX and XXXX XXXX ''
Consumer complaint received 2021-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (WV)

Me and my husband took out a mortgage on our house and we finished paying it several months ago and this company Citifinance is out of business and they are saying we still owe money which we don't I even have a clear deed to this house and it's making my credit score low due to this issue and XXXX XXXX is saying the same thing.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I bought a new construction in the XXXX and at first we used builder 's in house lender. But we found the rate is not attractive so we switched to Wells Fargo who assured us a better rate. However, at the time when we are almost closing. Wells Fargo told us that it 's impossible to do this with us. Since the they can not meet the builder 's timeline. What should we do? Can we sue Wells Fargo for not being professional?
Consumer complaint received 2022-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

There were accounts in my report that does not belong to me, I do not know how they verified it but they did not provide me anything. I sent the letters on XX/XX/2022 and util now I did not receive any response.
Consumer complaint received 2021-05-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (PA)

XXXX XXXX XXXX has took out a loan in my name without my permission. I request an audit trail in accordance with XXXX. I am the consumer in fact, I am the original creditor, everything I do is for family, household and personal purposes.
Consumer complaint received 2021-05-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (FL)

there is no payment reminder mail email or text for my loan account at alley financial where my 7 years loan for lhe past 3 years has been a nightmare to pay when they do offer payment forgiveness for my 2013 XXXX XXXX  by the way thats the thing that i get in mail they call there forgiveness payment a extend en promise to pay the regular amount of car payment of XXXX after paying to purchase the agree of XXXX you have options to either pay after 2 or 3 mouth terms here where i run into problems with alley financial where im forced to either at end the end with no reminder before the end payment extenden due date but i'm greeted with numerous calls from there collects department calling amounts {$800.00} to {$1200.00} and some time pined charge while being on that extenden and various charge there after of XXXX after those first amounts are con fingered after speaking and getting continuous XXXX by there XXXX customer service hotline and there the nitemare begins with no reminders forced to instead of paying the {$330.00} payment that originally signed up for this particle car loan i'm force to pay {$800.00} to {$1200.00} because when i call in to make a payment the kicker is to name all thing i'm paying to my XXXX  the extend en agreements plus car payments missed plus there's been times where there been computer down on there end leaving with schemes blow by from customer stateing they didn't receive payment on or the payment didn't reach the system as far as on our end as well as XXXX and internet would be down for weeks at a time on there end may i add consumer credit keeps getting reported as such negative and 60 days 90day last due
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Open Date XX/XX/2022 Balance {$1200.00}
Consumer complaint received 2021-05-17
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. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (CT)

I am included in the Equifax hack. I went to the website and they said my information was compromised. I have put fraud alert locks on my accounts but I am disturbed by this.