davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Though I have flawless payment history, and have stayed under my credit limits at all times, the issuer has reduced my credit limits and negatively impacted my FICO scores due to credit usage. This is unfair, in that Ive stayed reasonably under the limits to avoid this problem, but when the company arbitrarily reduced my limits, the net impact on me was that my usage went from 60 % -70 % up to 95 % by virtue of the company reducing my limit. Ive complied with the companys policies, paid on time, never paid less than minimums, and not exceeed the limit, yet Ive been negatively impacted by the companys actions.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (OR)

During a mortgage refi application with Wells Fargo, their underwriters discovered a mysterious {$200000.00} XXXX of XX/XX/XXXX put on our property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Per the attached, I found the XXXX and I don't recall ever authorizing it. But we've heard of the institution that put it there. It's called Wells Fargo Bank. 

Between XX/XX/XXXX and today, I have been writing, calling, and encouraging Wells Fargo to tell us what that XXXX is, including their XXXX XXXX ( Branch XXXX ), XXXX XXXX, and others. I understand that they are a large bureaucracy, but half a year to get an answer is just too long. 

Getting an answer is important if we ever need to sell our property. A title company would ask about the XXXX, and we couldn't take half a year to respond.
Consumer complaint received 2017-10-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I purchased a new vehicle with Bank of America being the lien holder of title. I made my 1st payment in XXXX, XXXX I get a statement showing I owed for a payment they accepted I called Bank of America spoke with several customer service reps, Managers until finally I called XXXX XXXX news, who made contact with social media XXXX, contact number of XXXX, extention XXXX. I explained to XXXX since the beginning of XXXX XXXX I have spoken to 3 managers until XXXX was notified, I informed him I faxed proof of 3 payments of XXXX and I never missed a payment and Bank of America has placed a DELINQUENT ACCOUNT to my credit score, with all three credit Bureau 's. XXXX advised he would investigate the issue and I explained in detail who I spoke to, how many times and was informed it was an error on their part. However never corrected my credit score. 
XXXX XXXX, XXXX I received a letter from Bank of America stating the error was corrected and where sorry for any inconvience the caused. Friday XXXX XXXX XXXX XXXX from Bank of America called advising they will have my XXXX XXXX corrected remove any derogatory comments and will contact me to follow up on Thursday XXXX XXXX, XXXX. 

Well I checked my credit score and nothing was changed, still showing DELINQUENT on all 3 credit Bureau 's. I did file a complaint with XXXX case # XXXX. 

I will attach the letter and documents showing Bank of America was in error and has done nothing but make false promises. 

I am requesting Bank of America to correct my credit score to the way it was prior to there era of having computer issues and causing undue stress and causing problems to have a chance of refinance our mortgage, I request a full written apology and to act upon this forthwith Since XXXX XXXX, I have spoken to customer service rep XXXX, XXXX, and XXXX, who removed the XXXX dollar late fees, along with speaking with Manager XXXX XXXX, Manager XXXX, and given a reference number XXXX, promising they would correct my account since they caused this issue ruining my credit history and on XXXX XXXX, XXXX I spoke with a XXXX XXXX who promised he would have a Manager contact me, which never occurred. In addition I already received a letter of admitting the era with no one having any knowledge. 

I spent 2 to 3 days a week trying to get this resolved since beginning of XXXX being on hold, speaking to numerous employee 's, Mangers, etc, with no positive results but a letter and false promises
Consumer complaint received 2021-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, XXXX, a person other than me fraudulently applied for a Best Buy card, resulting in a hard inquiry.. I have not been to nor applied at Best Buy in over a year! 
I disputed this claim to XXXX and they directed me to your website. 
Citibank, NA, Best Buy Citi XXXX XXXX XXXX, XXXX, FL XXXX Also, on same report, I noticed a hard inquiry for XXXX XXXX XXXX XXXX on XX/XX/XXXX, and this is also fraud! I have lived at the same address since XX/XX/XXXX and have had XXXX internet since XX/XX/XXXX. XXXX does not even service my address, so this too is fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX
Consumer complaint received 2024-03-18
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC (MO)

I have ran into financial hardship. I reached out for help from my Carrington and was directed to Missouri 's XXXX program and was told at first that was all that could be done for now. I contacted XXXX XXXX in XXXX for help with the application, which they did but never filed with XXXX. I call Carrington back the following month to check up on progress. This is when I am informed that Carrington has options for help which should have been offered first. This time they opened an application online for me to fill out. This application submission window closed because Carrington 's website would not accept the uploading of documents that were within the file and size requirements. XXXX months into the process I discovered why the documents would not upload. In the coding of the portal is restricted to smaller than requested. It was a simple coding mistake. Carrington 's response when notified about the issue was " No wonder people complain about it not working all the time ''. my house is now in foreclosure with a sale date of the XXXX, I am needing help because I dont think that the legal process was followed along with the misadvertised file size and piecing out information that extended the process to apply for help. It was like Carrington was gatekeeping assistance avenues and options.
Consumer complaint received 2021-11-21
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. (WA)

On XX/XX/21, I sent a letter, return receipt requested, to Transunion XXXX XXXX, XXXX and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from Transunion and they only addressed one of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list three collections when they are inaccurate or invalid.
Consumer complaint received 2021-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (PA)

after speaking with legal counsel i found that navy federal navy credit union is in violation of TILA failure to disclose to me about my open ended consumer plan 12 CFR 1026.5 and the finance charge the sum of all charges pursuant to 12 CFR 226.4. Navy federal fail to XXXX out my account monthly. Already sent in a billing error affidavit of truth 12 CFR 1026.13 which was sent certified mail with a green return receipt.

am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of the account and ledger and debits of the account to verify the current accounting and taxes associated with this account. 
information need to be provided to see who funded this account. banks can not lend its credit or its money. 

EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ON JUNE 5, 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.
Consumer complaint received 2017-10-25
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: DISCOVER BANK (CA)

I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. 
I 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). 
The form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. 
Well, it came back with a 8.990 % loan figure which is ridiculous. 
I proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. 
At that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.
Consumer complaint received 2023-07-20
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: DISCOVER BANK (IN)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-11-21
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TN)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2017-10-25
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. (FL)

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT ACCOUNTS PLACED IN MY NAMES WITHOUT MY CONSENT. I GAVE NO ONE CONSENT TO OPEN THESE ACCOUNTS. HERE IS A LIST OF THE FRAUDULENT ACCOUNTS AND THE CONTACT PERSON AT EACH COMPANY. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX XXXX. EACH COMPANY AND THE PERSON I SPOKE TO. I ATTACHED MY POLICE REPORT ALSO.
Consumer complaint received 2022-12-17
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: Experian Information Solutions Inc. (IL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think they have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00}
Consumer complaint received 2024-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

I have submitted my PSLF form multiple times in the last year and MOHELA fails to update my payment tracker. The payments from XXXX remain in an employment certification required status even though i have provided the PSLF form with a qualifying employer over and over again. They even updated dates after XX/XX/XXXX on the payment tracker but refuse to update the dates XXXX. I have been trying to fix this error since last year XX/XX/XXXX it's now XX/XX/XXXX. When i speak to them on the phone after spending hours on hold just to reach someone they state they will do a recount to fix the error and yet they only update new payments not the payments for XXXX  I have been at the same qualifying employer for the last 12 years working full time and i have 123 qualifying payments meaning i was due forgiveness at 120 but due to Mohela has not fixed this issue I've been stuck at 114 with 9 payments needing employment certification that i have already sent in multiple times, with an employer that has been approved. Not only are they failing to fix this mistake but it's preventing me from obtaining loan forgiveness.
Consumer complaint received 2021-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America (LA)

Received Dunnage letter in the mail at my address from Financial Corporation of America XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX, Texas XXXX dated XX/XX/XXXX attempting to collect a debt supposedly owed by my deceased mother, to XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a supposed date of service of XX/XX/XXXX in the amount of {$750.00}. My mother was under XXXX XXXX with XXXX of XXXX from XX/XX/XXXX until her passing XX/XX/XXXX. I am not aware of her ever receiving treatment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor am I familiar with this outfit having anything to do with XXXX of XXXX. I have Spoken with XXXX of XXXX and they have assured me that their is no outstanding debt with them in my deceased mothers name. I have been unable to locate contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have received several phone calls from Financial Corporation of America both before receiving their dunnage letter and after receiving said letter, each time I have informed the caller that they are trying to collect a debt from a deceased individual to stop calling my phone and to remove my number. I do not owe this debt and am not responsible for my deceased mothers debts, at the time of her passing she owned no real property, and the sum total of her assets were the funds on deposit with bank which amounted to a fraction of this alleged debt. All funds in her account were utilized in the settlement of her final arrangements and the funds on deposit were completely exhausted by this. I do not know who XXXX XXXX XXXX XXXX XXXX XXXX XXXX is or what tenets they live their lives by but they are certainly not XXXX values or tenets to XXXX the family of the deceased in this manner.
Consumer complaint received 2021-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

In late XXXX and early XX/XX/2021, I sold XXXX video game consoles to someone named XXXX XXXX on XXXX XXXX. The consoles were paid for through PayPal because XXXX doesnt allow for $ XXXX shipping transactions. I corresponded solely with XXXX XXXX on XXXX for the sale of all XXXX consoles. He gave me XXXX separate PayPal emails to request from over the period of business, and all requests were fulfilled loading the full balances below into my accounts. The XXXX transactions are from my personal PayPal ( XXXX ) and my fathers account for the XXXX transactions ( XXXX ) because my account wasnt letting me send money because of an address change at the time. 

Transactions : XX/XX/2021 for {$760.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$800.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX XX/XX/2021 for {$910.00} to XXXX XXXX I shipped all XXXX consoles to the same address for XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. These are the tracking numbers for each of the shipments : Shipments for XXXX XXXX, XXXX XXXX and XXXX XXXX had these tracking numbers ( not sure which is which ) : XXXX Tracking number : XXXX XXXX Tracking number : XXXX XXXX Tracking number : XXXX Shipment for XXXX XXXX and XXXX XXXX ( XXXX consoles shipped together ) : XXXX Tracking number : XXXX XXXX by XXXX the buyers raised disputes, holding the money from me and were all decided in the buyers favor by the buyers financial institution, removing each balance from the PayPal accounts. Each dispute notes mine and my fathers XXXX XXXX though we didnt receive any help after submitting tracking details, conversations with the buyer and even evidence that XXXX of the PayPal XXXX I dealt with no longer was a valid email. 

In addition, PayPal took another {$15.00} for each of the XXXX transactions for dispute fees because we lost the dispute. 

In summary, money was requested from the PayPal accounts provided to me by XXXX XXXX. The money was sent to me in PayPal. I shipped the consoles as promised and they were all delivered. Once received, the customers disputed the charge with their financial institution and PayPal told me that there was nothing they could do with helping as it was the buyers financial institution. I also spoke with representatives from PayPal numerous times ( was also disconnected after waiting on the phone ) and they said that they could escalate but upon following up then was told that they could not do anything to help. 

I am attaching conversations with XXXX XXXX and XXXX XXXX. Tracking numbers can also be checked.
Consumer complaint received 2022-12-17
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: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX {$150.00} XXXX XXXX {$240.00} In accordance with the Fair Credit Reporting Act. The list of accounts has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have right to privacy 15 U.S.C 1681 Section 604A Section2 : 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 other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 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 2021-11-21
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: Experian Information Solutions Inc. (WA)

On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, XXXX and Experian with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.
Consumer complaint received 2021-11-21
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. (KY)

On XX/XX/XXXX my Chase Visa card was charged {$120.00} for a yearly XXXX recurring purchase even though my credit card was locked.