davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I have a first position HELOC that was originated with XXXX before the Wells Fargo buyout. During the recession that started in 2008 the line was frozen due to credit challenges I endured due to my being in the mortgage industry. I have never been late on any payment on the line since its inception with XXXX. Despite having enough time between negative entries on my cedit report and the present day to get a conventional loan, Wells Fargo will not un-freeze the line, even with a reduced credit line amount to the present balance. I have applied 3 times over the past few years. I believe this is becuase the original contract with XXXX has a interest rate of prime - .50 %. Their purcahse of XXXX did not give them the right to unduly burden the XXXX customers they acquired.
Consumer complaint received 2024-03-07
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: ALLY FINANCIAL INC. (MA)

We went to go trade in the vehicle and did all of our homework. Upon arriving at the dealership, we were prompted by XXXX XXXX that Ally charges are higher amount to the dealership if we want to trade it in at the end of the lease. The dealer referenced that their dealer payoff is {$20000.00} while the lease clearly states a residual of {$15000.00}. Nowhere in the lease does it state that the residual would be higher to trade in the lease. Ally wont respond to our numerous complaints. They did offer to shave {$2000.00} off the dealer payoff in their direct communications to the dealer. The car has a XXXX trade in of {$13000.00}.
Consumer complaint received 2021-10-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (WA)

I have been working with Navient for some time now with both my private student loans to work towards the repayment. 
Since I have been working with Navient they have not been forthcoming in terms of providing me with appropriate repayment options until I had started with School at XXXX around XX/XX/XXXX. 
They provided the option for me to pay {$100.00} on my student loans while I was in school. However in XX/XX/XXXX they had canceled that payment plan option for me because they said that I had exhausted this option which I felt was ludicrous as I have been paying for my current education out of pocket because I do not have any aid funds available which amounts to {$4000.00} every 6 months which equates to {$660.00} a month that needs to be saved to pay for this. 
Now Navient also wants me to pay {$850.00} a month towards my student loans, which is too much for me to be able to pay both and still be able to take care of my family. 
I have asked Navient when I first was told of this plan cancellation to see if there are any further programs I can be part of since I am going to school and I keep getting told that I am not longer eligible for any programs as I have exhausted them all which I don't believe that to be true as we are also in the era of COVID and based on Navient 's website is that they do have other programs available but no one had even mentioned them to me. 
When I have asked Navient employees during our calls " Is paying on my student loans from a fraudulent school more important than pay for my current education and even putting food on the table? '' There was never any answers. I have let them know that I am not refusing to pay but I will pay what I can so that I can have a better future to be able to pay down on my loans without feeling like I have to choose a bill or basic living necessities. 
I have received notice via the Borrower Defense program that my direct student loans have been forgiven from XXXX XXXX and what else I find unsettling is that the majority of my private loans are also with XXXX XXXX the servicer is not willing to work with me on providing any suggestions or assistance to help with the repayment or even recommendations regarding the fraudulent school.
Consumer complaint received 2018-10-17
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: JPMORGAN CHASE & CO. (CA)

J.P. MORGAN, CHASE BANK N.A. IS A FURNISHER TO XXXX XXXX XXXX XXXX ( XXXX ). XXXX IS A VENDOR OF CHASE AND CHASE IS A PART OWNER OF XXXX. XXXX IS A CREDIT REPORTING AGENCY FOR CHECKING ACCOUNTS. 

QUESTIONS THAT REMAIN UNANSWERED BY CHASE ACCOUNT WAS CLOSED ON OR ABOUT XX/XX/XXXX : WHAT WAS THE DATE THAT CHASE REPORTED TO XXXX? 

WHAT WAS THE REASON THAT YOU REPORTED TO XXXX, WHY? 

DID YOU PROVIDE TO ME ( CONSUMER ) A NOTICE OF ADVERSE ACTION TAKEN, BEFORE YOU REPORTED TO XXXX? 

IS CHASE BANK LEGALLY REQUIRED TO REPORT TO A CRA OR IS IT VOLUNTARY? 

CHASE HAS REPORTED TO XXXX A NEGATIVE ACCOUNT CLOSURE, WHAT WAS THE NEGATIVE REASON? 

WHY DID CHASE REPORT TO XXXX AS OPPOSED TO THE OTHER CRA 'S? 

CHASE REPORTS TO XXXX AT LEAST EVERY 30 DAYS, AND CHASE HAS BEEN REPORTING TO THE CRA XXXX FOR 10 MONTHS AS OF XX/XX/XXXX WHY? 

CHASE HAS IN PROMISED ( VIA SEVERAL LETTER ) TO REMOVE THIS REPORTING FROM XXXX, WHY HAS IT TAKEN 10 MONTHS AND COUNTING?
Consumer complaint received 2019-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

In XX/XX/XXXX I became a member of XXXX XXXX and on XX/XX/XXXX I noticed there was an unusual debt collection from a non-familiar company called XXXX  XXXX on behalf of XXXX XXXX, I disputed the charge thru XXXX on the same day on XX/XX/XXXX and they completed their investigation on XX/XX/XXXX removing it from my credit report so I thought all was settled since they ruled it a fraudulent charge, then on XXXX of XXXX they send me a letter on the mail from another collection company called ERC on behalf of XXXX XXXX XXXX XXXX and on XX/XX/XXXX I responded to their letter stating that their collection did not belonged to me because I never had any equipment or services installed in my house and the last name on the account is not mine but that was not enough they sent me another letter directly from the XXXX, ID protection team requesting an affidavit for identity theft, a police report and copies of my identification and my signature which I was not too comfortable on doing since I thought they could fake a contract and use my documents but I did it anyways, so I thought that was going to clear everything since they could now see that my last name did not match the one on the account but to my surprise they sent me another letter on XX/XX/XXXX saying that this was the second and final notice to submit my claim of identity theft asking for the same documentation, I decided not to respond to this last letter and instead I decided to report this fraudulent charges to you, please help me in resolving this matter since I am not willing to pay for something I am not responsible for, thank you
Consumer complaint received 2018-04-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TN)

My father died on XX/XX/2017 and since XXXX I have been trying to close his banking accounts at Wells Fargo. I have called several departments, been transferred over and over, spoken to supervisors and literally been on hold for hours. 

As the estate administrator I have all of the required documentation and have offered to fax or email the documentation but they insist on me going into a branch office. The closest Wells Fargo office is three hours away, one way. In the meantime they certainly don't mind charging a dead man 's account service fees month after month. 

Extremely disappointed and disgusted with WELLS FARGO!!!
Consumer complaint received 2017-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

Based on my research, my previous mortgage was with GMAC, which is no longer in business and later discover a third party debt collector, which I have been paying the monthly alleged mortgage on time consistently, I 've notice that in XX/XX/XXXX 2017, which is 1 month of monthly payment was not applied and the payment was returned back to me. However I am paying my taxes and insurance myself on time and no longer in escrow. I also receive more information in regards to Ocwen loan servicing is in violation of Respa, Preditory, Truth n lending, and no consent order or license to collect a debt in the state of Maryland under MD Commissioner Finance office as a third party debt collector. which needs to investigated more.
Consumer complaint received 2021-10-20
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: BARCLAYS BANK DELAWARE (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (MN)

Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I got {$2500.00} loan from XXXX XXXX XXXX in XXXX XXXX Ca, about 1995. But before the semester was over, I got injured at work so I could not attend any of my clauses any more that I notified them right then. few years later a man name XXXX XXXX from collection agency was calling about my student loan which was several times a day harassing me, saying " he will put me in jail if I don't pay up ''. I did not have any income but I agreed to settle with less and pay up in two payments. I sent them a cashier check for {$1100.00} and I supposed to pay another {$1000.00} in a 2 moth to settle the full amount. But right after a week I was getting bills and calls from them for the amount of over {$4000.00} that I am still paying it that every so often it goes back to the {$4000.00} again. is there any way we can wipe off?
Consumer complaint received 2022-10-20
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I've recently checked my credit report with XXXX and there's some inquiries listed that were unauthorized and unverified. 

They are as followed : 2 inquires with XXXX on XX/XX/2021 XXXX inquires with Capital One Auto Financing on XX/XX/2021 & XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX on XX/XX/2021 XXXX inquiry with XXXX XXXX XXXX XX/XX/2021 I never gave permission for these companies to run my credit. I also do not have any open or verified accounts with these companies.
Consumer complaint received 2021-10-20
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: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX, and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-11-30
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: BMW Financial Services NA, LLC (GA)

I filed XXXX XXXX XXXXXX/XX/XXXX, and I was discharged on XX/XX/XXXX. BMW open this account on XX/XX/XXXX which is stated as open in the amount of XXXX. This made my credit score go down XXXX points. How can the report something that was completed in bankruptcy. Please Review attachment : XXXX XXXX BMW FINANCIAL SERVIC Reported : XXXX XXXX, XXXX {$24000.00} Needs Attention Overview You have XXXX XXXX left to pay on this loan. 

Balance {$24000.00} Highest Balance No Info XXXX  payment {$610.00} Opened XXXX. XXXX, XXXX ( XXXX XXXX XXXX XXXX ) Term No Info Payment History Youve made XXXX XXXX of payments for this account on time. 

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status XXXXXXXX XXXX Late Worst Payment Status XXXXXXXX XXXX Late Account Details Account status Open Type Auto Responsibility Individual Account. 
Remarks Fixed rate Times XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION (NY)

I had received a credit card offer from " PenFed Credit Union '' for the " gold card '' which I considered to applying. Per submission of application for that " pre-approved '' offer, they requested my prior tax returns for 2 years. I first submitted documents on their upload page and never received a confirmation. Many days went by with me hoping they will respond but they never did so i called them instead. The agent i spoke to on XX/XX/XXXX claimed they don't see a single document uploaded. I then, literally while on phone, accessed upload link again and reuploaded documents so that they have the documents as they direct my application. The agent who spoke to me said they would give me a response next day, if not then latest the day after. I submitted them and never received a confirmation email yet again so I decided to take a picture of the " successfully uploaded '' page for personal records. Days went by and i got busy until i decided again to follow up with the credit union. This time i spoke to another agent and she told me the application was rejected because the application was closed and they never received any documentation like before. Absolutely ridiculous! Every agent i ever spoke to had a different statement, their technology is extremely unreliable as they cant even seem to find my application with my name and ssn in first place, let alone any documents. I provided her each individual reference number of each upload ( which she refused ever even took place rudely ) and only then was she able to even pull the documents out. Then she claimed that i was late in uploading documents after saying they never received them when the first agent literally told me they'll respond to me in within 2 days most. This is negligent business practice. Not only was i treated unfairly but i have an credit inquiry on my credit report which cant be erased. I request you to look into their unprofessional approach of client management. The recordings they have of our conversations will speak the truth as well. If you need supporting documentation, I can you provide all those as well as mentioned.
Consumer complaint received 2023-04-09
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2021-10-20
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: BMW Financial Services NA, LLC (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This company is currently showing 30 days late for the month of XX/XX/2017 and 60 days late for the month of XX/XX/2017. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-05-05
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 am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Consumer complaint received 2020-01-30
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: Experian Information Solutions Inc. (AR)

I received a call from collections and was informed that I needed to make a payment for XXXX XXXX XXXX XXXX. I have never lived there in my life and was confused with what was happening. I then decided to pull my credit and saw many fraudulent accounts under my name. These accounts do not belong to me. Please remove them from my credit report. 

XXXX XXXX XXXX XXXX {$100.00} XXXX, XXXX. 
XXXX {$120.00} XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX {$300.00}
Consumer complaint received 2022-06-12
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. (AZ)

In accordance with the Fair Credit Reporting the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (ME)

On or about XX/XX/2020, I entered into a debt settlement agreement with U.S. Bank. The written settlement agreement I received had an incorrect amount, and after I contacted U.S. Bank, the amount was eventually verbally corrected. I did not receive a new written settlement agreement. On XX/XX/2020, a U.S. Bank representative advised me that a new settlement agreement was mailed to me in XX/XX/2020, which I did not receive. On XX/XX/2020, a U.S. Bank representative advised me a new settlement agreement would be mailed to me, which I never received. Therefore, I can not send payments and close the account.