davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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)

My loans are fully covered under the XXXX XXXX XXXX  class action lawsuit. I am part of the automatic discharge group. My school Was closed down due to egregious fraud in advertisement, unethical behaviors and business practices. I have been paying on private loans taken out by my school from navient for over a decade as well. These loans I believe should be discharged as they are the exact same situation as my other federal loans- from a school and program that frauded its students into believing they were marketable at a certain level which they are not. I have reached out to navient and submitted my accepted borrowers defense application multiple times. They only continue to increase my payment, call and leave me voicemails about payment options and send me mailings about refinancing and payment options. I have continued to pay for these loans that should Be discharged, ethically.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OH)

My Chase debit card was compromised and the thief spent thousands on my account. I disputed these charges and closed the card. Company replaced the card and 1-week later has closed my account and stolen the funds in the account. Chase has not stolen over {$4000.00} from me. {$4000.00} which came from my wife and my employers as part of our direct deposits. They have closed my account WHILE their investigation is pending. I now have no way to pay my bills and I am discussing this matter with a lawyer.
Consumer complaint received 2022-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I have sent in my notice of rescission letter to XXXX on XX/XX/2022. In my letter, I stated multiple violations made in my contract and my right to rescind 3 years after consummation ( they did not send me 2 copies of my right to rescind ). 

I received a letter from XXXX on XX/XX/2022 that says " As a validation of the disputed debt, we have enclosed a copy of the executed retail installment sale contract between yourself and XXXX  ). This contract is sufficient under Texas Law to create a valid obligation from your part to XXXX  and we will not rescind your contract ''. 

First of all, I didn't dispute the debt. I am practicing my right to rescind my contract and XXXX is denying me that right. This is another attempt to put XXXX on notice the effects of rescission. 

The effects of rescission 12 CFR 1026.23 ( d ) which states that the security interest in my contract becomes void, and I am not reliable for ANY amount ; INCLUDING the finance charge. I know that XXXX had 20 calendar days after my original notice, to return any money to me that has been given and take immediate action to reflect the termination of the security interest. In which you haven't done, according to the letter I received on XX/XX/2022. 

I will be taking legal action. Attached is my Affidavit letter of truth, my cease and desist letter, and my original rescind letter. I have also printed out the codes you have violated according to federal law. 

The affidavit will be notarized on paper ( the one sent through CFPB isn't signed ), everything will be sent via certified mail to your chief executive officer and XXXX of XXXX.
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TX)

Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.
Consumer complaint received 2017-09-29
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. (NC)

Upon being denied from a lender for too many inquires on my Equifax report, I decided to check my reports from all three credit bureaus for accuracy. I have noticed there are inquired from XXXX, Equifax, and XXXX credit report that I DID NOT authorize and I had no knowledge of. I contacted all three credit bureaus immediately by phone and two letters and was give no relief. I also have a fraud alert already in place to avoid any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME TO PULL my credit for any reason:XXXX: 1. XXXX XXXX XXXX XXXX Date: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX
Equifax: 1. XXXX XXXX XXXX  XX/XX/XXXX
2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX
4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
8. XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX  XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XXXX/
XXXX XXXX XXXX
: 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a home loan in XX/XX/XXXX with XXXX XXXX. They filed BK as XXXX in XX/XX/XXXX.On or about XXXX XXXX, XXXX, a person named XXXX XXXX is allegedly claiming to be employed as an Assistant Vice President by XXXX XXXX XXXX , XXXX , as attorney in fact and servicer for XXXX XXXX XXXX , XXXX, as a Trustee for XXXX XXXX XXXX XXXX, but has not provided an employment contract nor a servicing agreement to substantiate these claims. 

I would like for Caliber Home Loans and XXXX XXXX to prove that she is in fact employed as an Assistant Vice President by Caliber Home Loans, Inc., as attorney in fact and servicer for XXXX XXXX XXXX, XXXX, as a Trustee for XXXX XXXX XXXX XXXX, and specifically that she has the credentials to act as an Attorney in fact for this group of companies.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC ()

I create the transfer on XX/XX/XXXX for XXXX and never been received since was deposited as mentioned, they mention it take only 1 day but no was received properly, I already contact company and its been no solution or proper management of my situation, they just have it on hold
Consumer complaint received 2021-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Rushmore Loan Management Services manages my mortgage currently. The have truly terrible options for paying your mortgage- your only option is to pay once a month. They have no option for a bi-weekly payment plan. I tried using a third party servicer to pay my mortgage bi-weekly and Rushmore won't accept ACH payments, so that servicer has to pay by check. That is completely ridiculous and with the changes coming to the USPS, could cause me to have a late payment if it starts to take a ridiculous amount of time for them to get the check. It is totally unacceptable in 2021 that a loan management company wouldn't take ACH payments, or provide a bi-weekly payment plan.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (CA)

I hope this complaint reaches you in good health. I am writing to address and rectify an issue I recently uncovered on my credit report. Upon reviewing my credit history, I noticed inaccurately reported late payments on my account. Understanding the significance of maintaining precise credit information, I seek your assistance in correcting this discrepancy. 

Outlined below are the details of the late payments I believe have been inaccurately reported : DISCOVER BANK XXXX. 

Attached are supporting documents, including payment receipts and bank statements, validating that the payments in question were indeed made on time. I kindly ask for a thorough investigation into this matter and the necessary corrections to be made promptly on my credit report. 

Recognizing the importance of maintaining precise credit information for financial transactions and overall financial well-being, I appreciate your swift attention to this matter. I request that the corrected information be reflected on my credit report without delay. 

Should additional information or documentation be required from my end to facilitate the correction process, please feel free to contact me. Thank you for addressing this matter promptly. I eagerly await confirmation of the corrections made to my credit report.
Consumer complaint received 2017-10-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP (CO)

On XXXX XXXX XXXX I was XXXX overseas. Unfortunately when first arriving in country my pay was delayed for several weeks due to an accounting error that was beyond my control. During this time I was unable to make my mortgage payments also due to limited internet and computer access I missed another payment. 
I have notified my mortgage company that I am on XXXX XXXX military status and this had little to no affect. I have been hit with numerous late fees, endless phone calls and they have greatly impacted my credit. The missed payments were out of my control and there 's nothing I could have done to avoid this situation.
Consumer complaint received 2018-03-24
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. (RI)

I recently disputed several accounts on my credit report. I also contacted the companies and agencies in question asking for validation information and have not been provided with any.

According to my credit reporting rights and its laws, the companies never contacted prior to placing anything negative on my report as required ( neither email or mail ).

I have no contract or agreement that i personal or physically signed or enter into with any of these companies, They have not provided me with any proof of this allegation.

The accounts are not mine. the accounts in question are as follows and not mine due to the explanation above.

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX   XXXX   # XXXX  XXXX # XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (TX)

I paid down my account and was in a good credit standing, then they added over 2600.00 in interest which put me at a negative credit rating and increased my payment. I asked to be removed and was unaware of such a policy. The company gave me 2 weeks to pay the balance which I was unable so now I am trying to pay down again, but it has negatively affected my credit. WElls fargo does this type of accounts with hemisphere and I will not be shopping with them anymore due to this practice of low interest and deceptive practice.
Consumer complaint received 2017-09-29
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. (GA)

I received an email stating that XXXX had an data breach of their consumers information. Also, the email stated that I need to contact the other credit bureau to dispute items off my credit report because of XXXX  data breach. Here is the following information about the inquiries on my credit report for Experian. 

1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX/XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX 7. XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX Also, I have XXXX collections on my credit report for Experian : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$940.00}
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

On XXXX I had called to a representative about the reasons for the overdrafts fees that had occurred on my checking account. The representative agreed that the charges should be credited to my account. She went through the charges that were on my account and credited the full amount in which she said she was to credit my account. I thanked her for her help and told her I didn't like the way XXXX  charges their consumers to keep them in debt and that I would like to close my account. On XX/XX/XXXX I receieved a statement to my email from XXXX  showing the credits I had spoke with the representative about and it also included my balance as of XX/XX/XXXX as XXXX ( the date I also closed my account ) I spoke to a rep in the recovery department at XXXX XXXX XXXXwho stated the account noted now say the account has been charged off because I had a transaction added to my account XX/XX/XXXX from the bank for a charge off of XXXX in which I have a statement and call where this was credited along with other credits to my account on XX/XX/XXXX and after account was closed a balance pops up XX/XX/XXXX I have received no notice or any information about a balance especially when I have received my last statement with balance at XXXX. I did not close my account until I had a XXXX balance. Its is being reported that I have an unpaid amount of XXXX which was included in the credits of my previous call to XXXX  and that the account was charged off in which the account was still open and at a XXXX balance at time of voluntary closure
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted TransUnion on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX concerning the Bankruptcy that is inaccurate and reporting on my TransUnion Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to TransUnion and they do not report to credit agencies. TransUnion still has not removed the Bankruptcy. I want it removed immediately.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (PA)

We were in bankruptcy which was dismissed on XXXX and since the loan was not paid off we requested a loan modification. We were denied on XXXX without ever filling out an application which Mr. Cooper was supposed to send me. Then we received a letter on XXXX stating that they had started the foreclosure process. NY state law requires that the court conduct a Mandatory Settlement Conference with me and my lender. Since we never received an application for the modification the court instructed my lender to send me one. I did receive and complete the application with minimal information. I was not asked for anything additional but was denied again. The Mandatory Settlement Conference is still ongoing.
Consumer complaint received 2019-03-04
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. (ME)

A Merchant Service of Hospitality, such as XXXX XXXX XXXX XXXX of XXXX XXXX XXXX Maine. Located at XXXX XXXX XXXX. XXXX XXXX XXXX Maine. XXXX, XXXX A hotel that claimed to do extended stays of Winter Rentals turned me down to rent a Hotel Room, by stating I was denied due to my credit and or other financial information. 

Correct me if I am wrong but a Hotel Or Motel, can not pull your credit. 

Is this a discriminatory practice? 
As I am of a protective class, on more than one level. 

Hotels, usually just process your credit card and give you a room, even on an extended stay. I need to know if this company had the authority to perform such an act, using my Visa debit card. I can not understand why they would need to process my credit card, as these funds are made immediately available each time, I use my card, and put on reserve for each Merchant Service. Is this company set up to perform this act properly? 
Regards.
Consumer complaint received 2017-12-27
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. (TX)

I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, Equifax, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.
Consumer complaint received 2019-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Debit card was stolen and I filed a police report. Immediately, I reported this to BofA. They said they would send me a new debit card in 5 business days. I did not receive my new debit card in 5 business days and called to request it again. I asked for them to overnight the card to me and they said they could not. After a second time of requesting the card and not receiving it, I am filing this complaint. It should not take nearly a month to get a new debit card. This is total incompetence.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TX)

I applied for a Barclays account for the Carnival Mastercard and was denied for information reported by XXXX XXXX. I did not authorize XXXX XXXX to give the information nor am I an employee of Barclays or applying for employment with them according to 15 U.S. Code 1681B. This is a matter of an adverse action from them illegally obtaining my credit score from XXXX XXXX.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

XXXX number XXXX Dear LVNV Funding LLC, My name is XXXX XXXX, and I recently obtained a copy of my credit report and I see that I have an account reporting on my credit report but I am not really sure what it is about. 
If you don't mind please send me validation of the debt you have listed on my consumer report. Due to my current living situation, it would be most convenient for me to receive communication via email. Therefore, I kindly request that you email the validation of debt to the following email address : ( XXXX ).
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NC)

XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I have been having fraud charges with my acct. The bank was disputing them and they sent me an email stating my personal information was found on the dark web as well as my information being compromised in a data breach. 
While the bank was disputing these charges they first froze my acct and gave me no Information when I contacted them by phone and going into one of the branch offices. They said they could not give me any information and my acct would be closed due to fraud abuse and they could not provide me with any other information. At that time I requested to withdraw my funds from the acct and the bank rep told me I could not get my money of over XXXX dollars and they would send me a cashier check in 5-7 business days. This is money I live off and this now is causing difficulties providing for my family and paying my bills. I did not open this acct with a cashiers check and I don't expect my money to come in a cashiers check. Considering I have been with Chase Bank over 10yrs and this kind of customer service is unacceptable I think/know. Especially when I can't get into my account or not knowing what Chase Bank is doing with my money and if they will send my full amount back to me.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (PA)

They never responded to my previous dispute of debt, but now are mailing letters which clearly show the original creditor and current creditor ( i.e. a debt being collected ) without having to open the mail. I was severely embarrassed about this and called. After XXXX calls totaling over 1 hour of time, I was told to do what I had to do as they were n't willing to stop their illegal tactics,