davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

I have been paying a mortgage service provider ( Ditech Finical LLC ) FOR 14+ yrs.. 
I have been trying to contact them for 10 days without being able to do so to pay off my mortgage of approx. {$160000.00}. 
I finally had someone come on the phone yesterda after waiting on hold for more then an hour. She told me they were having computer problems & that was the reason for the long hold time. She then tried to guide me into their that account website which I had been trying to do for 10 days, to no avail. She then gave me information to give to my Financial institution to do a wire transfer through their bank " XXXX ''. 
After being cautioned by my financial institution the there are international " wire fraud scams '' going on, I decided to contact XXXX to confirm that the information given to me by Ditech was correct. After being able to outsmart the robot I was able to reach a human who informed me that the routing # was correct but the account # was not. At this point I asked for a supervisor who told me she could not confirm or deny that the account # existed. I asked for a manager when she then informed me that I was talking to the wrong dept. And it could take many days for my called to be returned.
Consumer complaint received 2018-04-19
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: EQUIFAX, INC. (LA)

On XX/XX/2018, I submitted an Identity Theft affidavit to Equifax and included accounts that were not authorized by me as a result of identity theft ( due to losing wallet/purse ). Instead of eliminating all unauthorized/inaccurate accounts, Equifax instead responded by stating the creditor verified the account was mine. There isn't any way an account established as a result of identity theft can be verified, especially if someone had/has my information and was able to open an account with pertinent information because of such. The accounts are from XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). These items are still listed on my credit report.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Navient XXXX XXXX XXXX XXXX, PA XXXX This student loan company gave me false information about my student loan, although I was making payments, and was diligent about annual renewals, and communication. The problems have been ongoing and Navient has withheld the truth about the loan. I discovered the extent of the dishonesty when I decided to consolidate all of my loans. 
In XX/XX/XXXX I began the process of consolidating all of my loans at the Federal Government rate of 6 %. I tried to negotiate a lower rate than the +9 % I was paying but Navient refused. 
As I began the consolidation process that would add the Navient loan to my XXXX, I was told my loan could be added and yet as I continued to talk to XXXX, I was told over and over that the loan was not a federal loan but a private one. I called Navient, and was told the opposite. They swore it was a federal loan, and someone who was a supervisor even promised to access the national data base files and ensure that my loan would be recognized as such. He even told me to call back in 3 days to ensure that all of the work was done. When I called back I was transferred a number of times, and then hung up on by the agents. 

XX/XX/XXXX " During a review of your account we discovered that accrued interest was added to your loan, for which you are not responsible. '' Money was added to my loan during the periods of forbearance, and even during the time I was making payments. 
Phone calls made during the summer of XX/XX/XXXX, show that I had to call back numerous times because I was hung up on. Further, it was revealed by one of the agents, that I was paying an unusual high interest rate, " higher than she had ever seen. '' It is revealed that my loan is a PRIVATE SMART LOAN, and that Navient knew this all along. Further, my LOAN has had NO LENDER since XX/XX/XXXX when XXXX XXXX XXXX XXXX XXXX, the lender " bailed. '' Navient did not disclose this information, nor did they discuss the fact that Navient became my lender without my knowledge. 
During XX/XX/XXXX, I called to renew my payment plan and was put off, and transferred numerous times. Because I was already making automatic payments, a larger amount was automatically deducted from my account. When I complained and had proof of my phone calls, I was told the refund of my money was delayed for some time. 
Navient wants me to enter into a forebearance, for 3 months and after that time try to extract a larger amount from me for repayment. The goal for Navient is not so students can pay off the loan, but so they will owe much more money through accrued interest, for longer periods of time.
Consumer complaint received 2022-07-21
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : 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 2018-04-10
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: EQUIFAX, INC. (MA)

I was advised by my credit reporting company to get copies of my credit reports. 

I requested 3 reports. It only showed my XXXX report, but not the other 2 reporting companies. 

I am unable to identify information that is on my report, ( lack of company names and identifiable information ). 

I was unable to get through to Annual Credit Report. 

Unable to speak to a customer service rep. 

Unable to resolve. 

There is no place on their website to request all three to be mailed, only print, the only one was XXXX, NOT XXXX XXXX or Equifax.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( original creditor ) Account XXXX # # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (TX)

On XXXX XX/XX/2019 I wrote a check to a person that holds an account with Wells Fargo for the amount of {$4000.00} which, for whatever reason, he decided he wanted a different amount when he went to cash that check. The teller at the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas gave the check back to the account holder who subsequently returned it to me for me to destroy, which I did. Later that day I found out that Wells Fargo erroneously cashed the check and deposited the money into the account holder 's account. Wells Fargo immediately reversed the transaction and took the money out of the account holder 's account. On XXXX XX/XX/ 2019 I visited the branch with the account holder to ascertain how Wells Fargo would return the {$4000.00} to me. XXXX XXXX instructed both myself and the account holder that within 24 hours I should see the money in my XXXX XXXX checking account. That was on XXXX XX/XX/2019 and I still have not seen that money. After numerous complaints to the CFPB I was instructed to provide Wells Fargo with instructions on how to get the money into my account, which I have. I was also instructed to file a claim with my bank to have the transaction reversed. My bank has informed me they have filed the claim but have not heard back from Wells Fargo regarding the transaction. XXXX XXXX at the branch has instructed the account holder that the money is no longer with Wells Fargo, which is a lie as the money is not in his account and is not with XXXX XXXX or in my account. Wells Fargo is holding onto the money and refusing to return it to its rightful owner.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below 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 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( original creditor ) Account XXXX # # # # # # # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-03-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I leased a XXXX XXXX XXXX that was financed through Nisan Motor Acceptance Corp. ( NMAC ). That lease comes due on XX/XX/XXXX. I spoke to three different Nissan dealers, all of whom told me that Nissan would waive up to the last four payments on my lease if I purchased a new vehicle from Nissan. As I was planning on doing just that I made the XXXX, XXXX payment on time but made no subsequent payments. 
In early XXXX, I started receiving a very high volume of calls from NMAC telling me that my auto lease payments were late. Every time I mentioned them waiving payments, they told me to go see a dealer. Finally NMAC told me that I had to go see the dealer who originally sold me the vehicle, even though they are over XXXX miles from my home, as I have recently moved. 
I complied with the instructions from NMAC and went to the dealer they specified. At that dealer, I was able to find that NMAC had reported me late for two month 's worth of auto lease payments and by doing so, NMAC had caused my FICO score to drop from from XXXX to XXXX. Because of the drop in FICO score and the lease payment lateness, Nissan would not lease me another vehicle even though my payment history over the previous 33 months was always on-time. And, unfortunately. because of Nissan 's report, no other auto lender would give me a loan or a lease. 
Their actions have been damaging, predatory and not in keeping with what the dealers told me. The two months late ( XXXX and XXXX ) have been paid and Nissan will still not approve me for a lease.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Yesterday XX/XX//2019 I received the following email from American Express. 

They lowered by Credit Limit without any notice this was going to be done or options I could take to handle beforehand. Only options after it was lowered. 

I was not anywhere near the credit limit, had made all payments on time. Apparently, it was decided after pulling a credit report to lower the credit limit. 

The biggest problem this has created is now this Credit Card is considered " maxed out '' which it was not even close to being " maxed out '' prior to them lower the limit. 

The problem this is going to have on my credit report is it will lower my credit score, which is important on the credit front in general. 

The fact that this was done without any prior notice, which I am sure they can do, which is so unethical. 

I did call them and spoke to a customer service rep who is the one who read over the phone why the limit was lowered. I felt like I was talking to a robot and this robot was just reading a script. 

This is an unfair practice in my opinion as I have always been on time with the payments, always paid more than the minimum. Never read if I didn't pay the balance down by a certain time I would have my limit lowered. 

The only reason this is so maddening is that now by no fault of my own credit limit and my credit score will be affected greatly. 

Not sure what can be done about this practice. But it is an extremely unfair way to treat good customer 's who pay their credit card on time and had considered being in good standing. 

My credit limit was {$20000.00} and the amount used {$10000.00}. I had also made a payment of {$450.00} just a few days earlier. 

Thank you,
Consumer complaint received 2018-04-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I closed on a Home equity line of credit, through the Chase bank that also holds my initial mortgage, and a previous home equity line of credit. At the closing, I advised the bank representatives that I'd made a payment on XX/XX/XXXX to the existing line of credit, because it was the due day, and I did not want to get charged a late fee. 
On XX/XX/XXXX, the bank attempted to satisfy my outstanding balance from the original line of credit, by deducting it from the newly opened line of credit ( account # XXXX ) as per our agreement. Instead of paying off the existing balance, they deducted over {$500.00} dollars more than I owed, at the date of closing. They did not seek my approval. Now they are trying to treat it as an overpayment, and merely reimburse the amount, without regard to the interest it has incurred. I brought this up with the loan officer I have made several attempts to correct this issue with them, and have been unsuccessful as of this date and time. 
When I called the representative XXXX XXXX on the afternoon of XX/XX/XXXX, he stated he " did not think it was that big of a deal, '' when I described what had transpired When I asked to speak to a supervisor, he kept me on hold for well over 10 minutes, and then advised me no supervisor was available. I asked him to have 1 contact me and he stated he would. As of yet, no other Chase representative has contacted me.
Consumer complaint received 2022-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (DE)

ACCOUNT HACKED AT WELLS FARGO My name is XXXX XXXX XXXXOnline acct. hacked on XX/XX/22 for {$990.00} and hacked again on XX/XX/22 for {$990.00} and {$990.00}, {$83.00} in my checking-they went to my XXXX XXXX XXXX and took out enough to cover the {$990.00} and the Hacker on XX/XX/22 - 2 transactions {$990.00} and $ XXXX this time WELLS FARGO decided to take it out of my credit card which I have no knowledge it was connected-if there was no money in the checking account to cover the {$990.00} did they think it was ok to charge that account again and that didnt bring up some sort of a flag. reported info. to bank who told me to do a stop pymt., notifying me that the hacked took to money from my account and sent it over to my account at XXXX  XXXX and they were not smart at all, I said I don't believe hackers can do all that, to much hacking for me to believe, they said they would contact XXXX  XXXX and have them return the money, I contact XXXX XXXX and notified them numerous times and said no extra money has come over. 
I looked at the bank information and realized Wells Fargo had sent the money to acct. ending with XXXX which was not associated with my account., only having one associated acct. with XXXX XXXX. 
XX/XX/22 called customer to inform them of the last 4 of acct. ending XXXX was not my account and was informed the bank had close my case and blamed me or an associate for hacking my account and sending money to XXXX XXXX. 
XX/XX/22 went to a branch because it was hard getting info. from customer service other then notes that was read to me stating hacker send money to my account and closing my fraud case.The Banker XXXX XXXX XXXX XXXX stated to me a Fraud Case had never be established and no investigation was never done and Wells Fargo denied my Fraud Case talking to me over and over again and a fraud case was never established or one investigated, I REALLY THANK XXXX for all his help, got little help else where. 
I established 3 case for the $ XXXX $ XXXX {$990.00} with case numbers ON XXXXWells Fargo needs to be investigated, how many time has such happen to the consumers, when they send money from accounts and don't know where the money is going or were it should go to. 
WELLS FARGO sent money from my account to an account not affiliated with my account and as a consumer I should not have to wait for they to figure out who they sent my money to.XXXX  XXXX stated to me that Wells Fargo sent the money to acct. ending XXXX and should replace the money. 

Don't know if this is the standard practice, but this practice should be looked into, i'm waiting to hear from the bank. 
Problem started with the withdraw from acct. XX/XX/22 Contacted the Wells Fargo Advocacy Dept. XXXX Bill Pay Claims XXXXXXXX XXXX XXXX XXXX XXXX-Consumer Financial Protection Bureau XXXX XXXX XXXX
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACCELERATED COLLECTION SERVICE, INC (WA)

XXXX I sold a car to a private party for {$790.00}. I have a signed Vehicle Report of Sale dated XXXX XXXX I attempted to file the sale with the DOL electronically. The sale occurred on a Saturday. The DOL offices were closed. I did not know there was a server issue with DOL, therefore the sale was not filed with DOL. I have a copy of my server history showing where I accessed the DOL online and a copy of an email from my credit card explaining that an attempt was posted to my credit card. 
XXXX Received letter from XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX labeled DOL Vehicle Impound Notice informing me that I am responsible for the towing and impound of the XXXX XXXX. Impound/recovery/tow charge {$240.00} and Daily storage rate {$65.00}. On that same day I called XXXX and notified them that I sold the car. It was at that time I was noticed that the car sales was not filed with DOL and title transferred. 
XXXX I phoned XXXX and notified them that I sold the car. I gave them the new owner 's name and address as recorded on the Vehicle Report of Sale. I was verbally informed at that time that if I did not pay the towing fees and daily storage rates, XXXX would report me to a collection agency. 
XXXX Sale of Vehicle was recorded with the XXXX. Date of sale was recorded as XXXX. 
XXXX Received second letter from XXXX labeled DOL Custody and Sale of Abandoned Vehicle Notice informing me that I owe a total of {$650.00} for impound/recovery/towing and daily storage rate. The vehicle will be auctioned XXXX at XXXX. 
XXXX Phone call to XXXX informing them that the sale of the car has been transferred and filed with DOL. Mailed a certified letter to XXXX  including a copy of the Vehicle Report of Sale showing the sale date as XXXX XXXX Second Certified letter to XXXX  including copy of my computer server showing that I accessed the DOL and the case number showing that the new owner was in possession of the car and was arrested. 
XXXX Received letter from Accelerated Collection Services ( known as ACS ), XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX. Letter was dated XX/XX/XXXX. Reference number XXXX. As of XX/XX/XXXX I owe {$540.00}. Between XX/XX/XXXX and today I am charged {$25.00} in interest for a total debt of {$570.00}. 
XXXX Phone call to ACS XXXX XXXX and was informed I can contact them in writing to dispute the debt. 
XXXX Certified letter to ACS informing them that this is not my debt.