davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (SC)

I have a private student wi th Wells Fargo the payment is not affordable for me or my cosigner. We have applied for everything possible to help lower the payments. I have called on a number of occasions and have been given the run around or just left to dry. Basically they told me I should just live in a box but make sure I still make my payments. I applied for the programs offered at least three times with no h elp I even filed a complaint with corporate and nothing help. I so overwhelmed and I feel like completely giving up.
Consumer complaint received 2022-10-24
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: LEXISNEXIS (IL)

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX XXXX XXXX, asking do they report bankruptcies to the credit bureaus OR any Consumer reporting agencies and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did XXXX XXXX verify this allege bankruptcy as a 100 % ACCURATE. 


XXXX XXXX violated my Federal given rights under 15 USC 1681.

According to the FCRA : 15 U.S.C 1681 section 602 A. States I the Consumer have the right to privacy. 

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 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. 

So now since XXXX XXXX Can not provide with the Permissible purposes document that shows that I the consumer give them written instruction to furnish, Publish or sale my consumer report to anyone. they have just committed AGGRAVATED IDENTITY THEFT. 

According to : 18 U.S.C 1028 - AGGRAVATED IDENTITY THEFT ( A ) ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I also contacted PACER and they told me that the information may not be a 100 % ACCURATE therefor they can not PROPERLY VERIFY This account as ACCURATE. and they do not give out XXXX on Bankruptcies.
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on or about XXXX XXXX through XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account to fraudulent investment firm.
Consumer complaint received 2024-03-27
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 2 out of 3 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 : XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I deposited a friend 's check into my mobile banking. I spoke with a customer service about the deposit if I was able to cash it for my friend being it's a third party check. But it was a cashier 's check. I was told yes I could and their was no problem " and that the funds will be available in 3 payments the amount was XXXX .with when i went to log on to my online banking app I was not allowed to. So I called the bank a spoke with customer service again this time they they closed my account. I have not received a letter telling my they closed it except that it was fraud which it was not. So I called back again to ask why I have not received anything tell me the reason the account was closed. So I called again to ask them why the had not sent my SSA DIRECT DEPOSIT BACK TO SSA AND THEY SAID AFTER 30DAYs they will send me the remaining balance In my account which they have not done. I still haven't received a letter explaining anything the only thing I've received from them is a dispute letter from back in XX/XX/2023.They won't give me my money and because of them me and my son are homeless and behind on bill like crazy all because they dont want to pay me my money {$1700.00} that was in my.
Consumer complaint received 2023-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (AZ)

XXXX fraudulently added charges to my phone bill. We had a total of 5 phones 2 for myself 2 for my fiance at the time at 1 for her XXXX XXXX XXXX daughter. The XXXX XXXX XXXX became defiant and moved out so we suspended the line and XXXX guarantee we wouldn't have to pay any charges for voice services on equipment charges. We paid paid all of our phones off and when it was time to renew our contract we decided to go with XXXX instead of XXXX due to us moving to a new city and XXXX had better coverage. We paid our entire bill and phone on the same day located XXXX XXXX XXXX XXXX XXXX # XXXX. Sometime later I received a call from XXXX saying we still owed them and we know we paid our entire bill. So i asked for a breakdown of charges. The lady proceeded to tell me that when we ended our contract with XXXX  that the line that we suspended and hasn't been paying for for over a year didn't get canceled and was reactivated when we canceled the other 4 lines. She couldn't explain how it happened or how it made sense to start charging for a line that was anyway suspended and not in use. I verified that it wasn't due to any equipment charges and she confirmed. This debt was caused either by intentional fraud in XXXX  behalf or due to a system error. But the debt is not mine and XXXX  needs to fix this as now a debt collector is trying to collect a fraudulent debt.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (KY)

I opened a card with Wells Fargo through a retail purchase at a jeweler. The only reason that I choose the financing option was due to it being a surprise and not wanting to pull the money from our savings account. Since the finance charges are paid at the origination of the loan it makes no financial sense to pay the card off now at this point. As with all of our bills this was set up on auto-payment shortly after the account was opened. At that time I had made an error in the checking account information causing the payment to not process on the next payment cycle. This first occurrence was my mistake and it was promptly corrected on our end by making the payment as soon as the issue was realized. From that point I went back online and canceled the previous auto payment with the incorrect information and set up the new one. The next month to my surprise the payment did not process yet again but this time everything was set up correctly for the auto payment. After calling and speaking with a representative they argued that the auto payment was cancelled but not set back up. I could clearly see on my online account that it was set up after the initial incorrect auto payment was cancelled. After I directed the representative to where i was reading the message from Wells Fargo about the auto payment we saw that it stated that it could take 2-3 months for the auto pay to go into effect! I explained to the representative that I felt this was completely unacceptable. How was I to know if it processed or not until after my payment was already late I asked. Her response was that she was n't sure and I would just have to monitor my account to see if it came out or not. When it came time for my next payment to process it failed to do so again. I spoke with the representative who claims to see no auto payment information on my account. After I logged into my online system I was astonished to see that the previous messages from Wells Fargo on my account about the auto payment are no longer there! It is as if they had been deleted because even the welcome messages etc. are gone as well. If the call I had with the first representative was reviewed it will be clear that what I claiming is in fact truthful. 
We are in the process of building a home so our credit is very critical at this point. We strive very hard to ensure nothing is ever late with any payment we make and always pay much more than the minimum. Wells Fargo has been nothing but a hassle since the very first payment and all we are trying to do is ensure they receive the money we owe them. Every month it is a constant issue taking time out of our busy schedules to ensure this gets corrected. The frustration and XXXX we deal with on a monthly basis is not acceptable and I feel Wells Fargo should be held responsible to make this correct. We are very deliberate about every account we choose to open and what banks deal with our financial matters. We feel at this point that Wells Fargo is not meeting our expectations when our time is extremely valuable to us.
Consumer complaint received 2017-05-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I 'd like to join  Navient Lawsuit .  XXXX   XXXX  and Navient are crooks ... I believe the amount of loan is incorrect. I have several correspondences that they ignored. They said I could n't get a deference, then said they gave it and threatened to garnish any wages. The school ignored my  XXXX   XXXX  etc. I was onky there a semester and a half. I also did n't understand the loan as much because they,  XXXX    XXXX    XXXX  gave me a  XXXX .
Consumer complaint received 2022-12-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I was financially stable at beginning of contract XXXX XXXX XXXX and other information pertaining to unlawful arrest cause me to be deliquent 322 days the financial lender gave me a loan for XXXX in all o have paid XXXX of the principal amount over XXXX XXXX dollar in service payment fees the balance is left is XXXX of interest I have defaulted on payment negotiation due to circumstances of job hrs reduction I have agree to pay XXXX but ask for a extension until XX/XX/XXXX the lender is known for fraud of customers paying on vehicle with high interest and repossession and manipulation the lender isnt willing to comply with consumer rights and have cause me economics loss lender Credit acceptance corporation
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (CA)

I paid off my car loan on my XXXX XXXX XXXX on XXXX XXXX, XXXX, and after calling them, going back and forth, visiting DMV multiple times, I still havent received my vehicle title as is today which is XXXX XXXX, XXXX. The bank who had my car loan is Westlake financial, they keep telling me thats a problem on releasing the lien on my title, which I went to DMV for verifying it. But what DMV told me is all they need is the bank release the lien on my title and they can give me my title right away. After dealing with them for over 5months, I lost my patience with them and start to file a complaint on them
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ACS Education Services (CA)

The interest rate and charges are WAY to high, I have been paying my loan for years, 8 to be exact and it has not even put a dent in my balance. I am getting no where on this, and don't see the light at the end of the tunnel, I am very frustrated. Please help me! Also, not to mention, this is the 3rd time the loan company has switched or transferred names.
Consumer complaint received 2023-05-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CALCON MUTUAL MORTGAGE LLC DBA ONETRUST HOME LOANS (CA)

XXXX XX/XX/2023 : Contacted HOA to inquire about a disclosure on my closing statement that says HOA dues are included the escrow account but the HOA 's official portal says I need to make the payment myself. HOA responded by inquiring with the lender if HOA is included in the mortgage payment and how they process that payment. 

XXXX XX/XX/2023 : Contacted the mortgage company copy-pasting the section that says HOA dues are included in the escrow account on my final closing statement. Company refutes saying HOA is not a part of monthly payment even though there is a section clearly saying it will go into my escrow account.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-21
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2023-05-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

Have contacted Ally several times for release letter say they have it and never send it. Tax office has them as lien holder and they say the car is paid off but will not send the letter. Have contacted them several times. It is fraud for them to be the lienholder at the the tax office when they have told me it is paid off but will not release it.
Consumer complaint received 2023-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MS)

LVNV funding LLC has not provided validation of debt as requested. I also never signed a legal contract with LVNV Funding LLC, nor did I give them permission to purchase my account information. Failure to provide me with validation of debt is illegal. The original creditor wrote the debt off and received a tax credit. I have requested a 1099c on multiple occasions as well as validity of the alleged debt and have received nothing but cold texting, and harassment.
Consumer complaint received 2018-03-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Opened a loan with CapitalOne Auto in XX/XX/XXXX. Never received a statement from them for the loan. Called them in XX/XX/XXXX asking for statement. Paid balance over the phone and they waived late fees for XX/XX/XXXX and XX/XX/XXXX. Set up auto pay and pick paperless mail. late pay is showing up on credit report for both XX/XX/XXXX and XX/XX/XXXX. Reporting XX/XX/XXXX and XX/XX/XXXX. They are saying they have the correct address, but to date I have still never received a paper statement from them.
Consumer complaint received 2024-03-27
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. (NJ)

15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! 
PLEASE DELETE THESE ITEMS IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION under 15 U.S. code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL to subsection ( c ) any consumer reporting agency may furnish a consumer report under these following circumstances and no other : ( 2 ) In accordance with WRITTEN INSTRUCTIONS from the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT is identity theft. As a consumer I am demanding the deletion of these accounts immediately!
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

my auto loan with XXXX XXXX  is inaccrate and is reporting different things on each bureau which they have billing errors on the report and i didnt give permission for any of this to be reported which is now causing problems with my employment as a XXXX XXXX at the dealership please remove the late payments off of my consumer reports