davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc. (IN)

On XX/XX/2019, I received a letter ( attached ) from " XXXX XXXX XXXX '' informing me of an alleged account under my name submitted for collections by " XXXX '' for {$460.00}. 

On XX/XX/2019, I wrote and mailed a letter ( attached ) to " XXXX XXXX XXXX '' requesting verification of the debt in accordance with 15 U.S. Code 1692g. I specifically requested proof of the age of the debt, an itemized statement of what is owed, the name and address of the original creditor, and evidence that I am legally responsible for the debt. 

" XXXX XXXX XXXX '' never responded to my dispute letter, and after 30 days in accordance to the law, I assumed this alleged debt to be invalid. 

Now, today XX/XX/2019, I received a new letter ( attached ) from " Diversified Adjustment Service Inc. '' dated XX/XX/2019, claiming that they are again attempting to collect for the same debt, XXXX for {$460.00}.
Consumer complaint received 2020-12-14
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XX/XX/2020
Consumer complaint received 2022-06-14
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. (FL)

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my Rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 116 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 16881 SECTION 602 A SECTION 2 : ALSO STATES THE A CONSUMNER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION (FL)

On XX/XX/XXXX I contacted VyStar because I realized my debit card was missing when I was trying to pay for gas in XXXX XXXX FL. During my report of lost/stolen debit card, the representative reviewed and asked me about recent transactions.  I became aware of a bunch of unauthorized transactions done with my debit card and I was transferred to the fraud department.  I explained to the fraud department that the last transaction I made on my debit card was at a XXXX  gas station in XXXX XXXX FL and that any debit transaction from my debit card was not authorized or done by me. I explained that the following transactions were fraud:
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 in unauthorized transactions.
I waited and they denied my claim without truly investigating.  I tried to reopen the claim and send additional supporting documentation such as police report and more but VyStar's online banking, mobile app, and customer support system has been down, unreachable, and/or unresponsive.  Thus, having to file a formal complaint on CFPB.
Consumer complaint received 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

Applied for the offer that stated earn XXXX XXXX  bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX, 2020 XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/2020 XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, 2020
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc. (MD)

On XX/XX/2022, I applied for and was approved for a Prosper Card. The email I received stated that I had a credit limit of {$500.00} and that I could download the app and set my account. 

I downloaded the app and attempted to set up my account using the " new user '' link, as directed in the email sent to my XXXX address. The app asked for a card number which I do not have because the physical card has not been delivered. HOWEVER, the email clearly states that users will have access to the virtual card. This information is on their website AND the initial communication in an email after I was approved. 

When I called the company, they identified the date I applied as XX/XX/2022, which as you can see from the screenshot is not accurate. When I asked how I could set up my account, the customer service told me to use the " new user '' link, the same link that sent me to a page asking for a card number. He did not provide a card number for me to use, again keeping me from setting up and viewing my account. 

Either this company is a scam or they are purposefully misleading consumers. If you look at the reviews on the XXXX XXXX app, many, many consumers are having this same issue.
Consumer complaint received 2019-03-23
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: MARINER FINANCE, LLC (FL)

I sent the attached contract and bank check to Mariner Financial on XX/XX/XXXX and was signed for on XX/XX/XXXX. As seen on the attached contract and written on the check, if the check was cashed Mariner Financial would have 30 days to remove the trade line from my credit reports. As seen on the attached cancelled check, it was cashed on XX/XX/XXXX. As of today XX/XX/XXXX the trade line still remains on my credit reports. Mariner Financial has to remove the trade line from my credit reports immediately or I will bring a suit against Mariner Financial for Breach of Contract.
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX I printed out my statement with Capital One Walmart Rewards card and my balance owed was roughly {$2900.00}. I mailed this amount in to Capital One. On XX/XX/XXXX Capital One applied this to my account and said I still owed {$180.00}. Even if you were to take into account the interest and cash advance interest I owed, they only total {$68.00}. 

I'd like for Capital One to explain where they are generating the additional interest of {$110.00} that is being charged to my account. 

I think that they are gauging me as I attempted to pay off my account in full.
Consumer complaint received 2018-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I tried to release co-signer and was constantly given bad info. 
I refinanced my home and paid off the loans and Navient is still refusing to update the credit reports and/or release the co-signer and update his credit report, XXXX XXXX XXXX XXXX. They received the payment on XX/XX/2018 by US Priority Mail. Have cashed the checks and still they refuse to update my report, remove co-signer. They are still billing me and have added XXXX XXXX to the interest and principal. 

I have called, sent letters, attached a letter with the pay off. They said that the Federal Gov't does not allow them to adjust a pay off that they have to wait 30 - 45 days to do so. This is a total lie. 

I want this off of my Co-Signer 's report and I want a pay off letter and my credit reports updated ASAP. This is negatively affecting my credit and they already have their money since last Monday. I should not have to wait 30 - 45 days for them to continue to bill me and refuse to give me a pay-off letter which is my right.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: KEYCORP (PA)

On XX/XX/XXXX Key Bank went and escheated a Money Market account to the state of Pennsylvania. The amount escheated was {$6400.00}. I'm trying to retrieve the money from the state of Pennsylvania, but they have no records of the money. I contacted the bank and they said that a letter was sent on XX/XX/XXXX and XX/XX/XXXX ; however, we never got a copy of the letter. Now, the money is gone and we are not able to retrieve it
Consumer complaint received 2022-06-14
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: Sequium Asset Solutions, LLC (MN)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2020-07-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

I have a loan with USAA SAVINGS BANK, XXXX, XXXX XXXX, MUNICIPLES EMPLOYEES C. I have always made my payments on time. As you can see, I have always had a stellar payment record with these companies. I tried contacting all 3 Bureaus and USAA SAVINGS BANK, XXXX XXXX XXXX XXXX, XXXX XXXX CARD SER, MUNICIPLES EMPLOYEES C with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2017-09-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

This is related to Equifax 's data breach. My information was part of the data breach according to Equifax 's website. I have attempted several times to complete the process to enroll in protection via their website. So far, I have been unsuccessful. Equifax has clearly not invested enough resources to protect my data from which they have profited. I hope that the U.S. Government can assert greater pressure on them to take this breach more seriously! Thank you!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX XXXX  Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2018-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

This complaint is related to my home equity line of credit. I have a permanent late fee suppression that was supposed to be placed on my account. In XXXX due to a technical issue they started charging me late fees again. After numerous complaints they admitted their fault and fixed the issue and sent me a letter in writing admitting to their mistake and agreeing to fix the problem and never charge me a late fee again no matter the circumstance. But guess what, Wells Fargo is notorious for failing to live up to this obligations and promises and most recently as of XX/XX/XXXX charged me a late fee again. How is this bank allowed to keep its charter? They have committed fraud across a wide swath of their lines of business which they have actually admitted to, lied to its customers, stolen from its customers, and failed to live up to their obligations. Not to mention lied to the government and regulators as it relates to their cleaning up of past abusive, negligent, and proven fraudulent business practices. I have been damaged in so many ways by this bank but unfortunately since they are the servicers of my mortgage and home equity line of credit, i have to remain dealing with these unethical crooks. On top of that, they have failed to help me in my time of need and hardship to modify my mortgage to an affordable payment. That will be a separate complaint with detailed evidence of their gross negligence and fraud.
Consumer complaint received 2021-11-29
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. (WV)

My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over XXXX days.
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

I would like to submit a complaint regarding my private student loans with Navient. For the past couple of years, I have went through years of nightmare dealing with my private student loans. I could n't afford the monthly payment earlier in my career making less than 20k a year because of the interest rate was so high. 

Graduated College : XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX- My salary ranged from 52-65,000K XXXX Children and Married. 

Private loan monthly payment : 1300+ a month My Private student loan has official went to charged off : XX/XX/XXXX I have received summon papers on XX/XX/XXXX from XXXX and XXXX XXXX and XXXX dismiss lawsuit on XX/XX/XXXX after I hired a lawyer in XX/XX/XXXX During the following year, I have regularly watch my credit report and notice problems with my credit report and improper use of my report. Below is the activity on my credit report, but still shows after removing it. 

XX/XX/XXXX- 2 Navient Student loan was removed from my XXXX account XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX- 5 Navient Account removed from my report. 
XX/XX/XXXX-2 Navient Student loan was removed from my XXXX account Dept. of Education- Loan increase {$1500.00} extra Thank you for your time.
Consumer complaint received 2022-06-14
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 the following accounts has violated my Rights. 

XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX U.S.C 116 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 16881 SECTION 602 A SECTION 2 : ALSO STATES THE A CONSUMNER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion, XXXX, XXXX all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft
Consumer complaint received 2019-03-23
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX, Experian all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft
Consumer complaint received 2019-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CT)

The problem hasn't quite occurred yet, but I'm warding off trouble because I don't trust this company due to past experience. The company, Citimortgage, agreed to take {$5000.00} off the total loan after 5 years of on time payments and that will have occurred in two months - XX/XX/2019. I haven't heard how this will occur, but recently got a letter stating that my loan is being sold to another lender and I'm worried that this agreement will not be honored. I've misplaced their letter so I just today emailed them, through their website, asking them to send me another one and to call me between the hours of XXXX and XXXX XXXX at XXXX to assure me that they, or the new lender, will be honoring their agreement to take {$5000.00} off the total loan after 5 years of on-time payments which will occur in two months. I also requested the information in writing. I told them that if I do not hear that they will be honoring this agreement, how and when they will honor this agreement - in a timely manner, ie, by XX/XX/XXXXn - I will escalate a complaint to the Consumer Financial Protection Bureau forthwith. I decided not to wait till the XXXX.
Consumer complaint received 2018-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX Wells Fargo informed me that I had reached 80 % LTV, thus qualifying to have PMI payments removed from my monthly mortgage. To cancel I had the option of either 1 ) paying {$6400.00} to reduce the LTV down to 78 %, OR 2 ) calling them to request a new property evaluation to ensure the home was still above the original {$330000.00} valuation. Upon calling to discuss the property evaluation, I was informed they would send me another form to request a property evaluation through Wells Fargo. Not sure why this request was not available either online or, at a minimum, included with the form for option # 1 which somehow did get mailed to me. 

Having just received my XXXX XXXX XXXX XXXX valuation for XX/XX/XXXX reflecting home valuation of {$450000.00} AND having had an appraisal performed in XX/XX/XXXXthat reflected a valuation of {$420000.00} ( coincidentally the same value XXXX XXXX showed for XX/XX/XXXX ), I offered to provide both as proof that I did in fact qualify to have PMI removed. I spoke with 2 different customer service reps at Wells Fargo Home Mortgage ( XXXX ) as well as a supervisor named XXXX XXXX on XX/XX/XXXX, and was told neither of these documents would be sufficient. In fact, I was told that I actually would have to use a Wells Fargo approved appraiser specifically to perform this task at a cost of {$550.00}. This is actually above market for a home appraisal ( {$400.00} is what I paid last year ) so also unclear why any professional appraisal wouldn't be acceptable. 

If Wells is willing to waive the appraisal once an additional 2 % is paid down on the loan, I think a valuation 34 % ABOVE their minimum by both a governmental entity AND an independent appraiser should be sufficient. I also don't understand why I have to pay an exorbitant fee for what is a relatively commoditized service and suspect Wells Fargo is actually making money off of the higher appraisal fee. This seems very unfair and could be alternately addressed doing a quick look at comparable sales in the area which would be relatively inexpensive to perform. 

Thank you for your assistance.
Consumer complaint received 2022-06-11
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. (PA)

In accordance with The Fair credit reporting act XXXX account # XXXX 15USC 1681section602A States : I have a right to privacy 15USC1681 604A section 2 : Also states a consumer reporting agency can not furnish a account with out my instructions
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

In 2022 BSI Financial purchased my mortgage from XXXX XXXX to service my exisiting mortgage payments. 

I have never missed a payment and am set up from my XXXX XXXX  account to auto pay them on the first of the month. 

At some point I started getting a letter from BSI that I was not making my payment when it was clearly leaving my bank and posting on the BSI login page to my account.

They charged me {$25.00} for 6 months stating I had the wrong loan number.

I called them each time I recived the letter and the person on the other line said they recieved my paymnet and not to worry about it.

The next month I would recieve the same letter and make the same call to get the same reaction.

I then spoke with a supervisor and she agreed that they should be there but said she could only waive one {$25.00} fee in which she did I then recently recieved a call from a friend of mine and she explained to me the same senerio that the keep trying to charge her a fee every month.

This company does not respond and continues to steal peoples money. 

Please let me know if I can do anything about this XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX BSI Financial Loan # XXXX