davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (CA)

XXXX sold me a prepaid phone plan. I called to cancel the service, but they continued my service and continued to bill me. XXXX is aware of the problem. 

Furthermore, I attempted to contact Jefferson Capital Systems by telephone at XXXX on Friday XXXX/XXXX/2016, and their phone number said to call during normal business hours.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

In XX/XX/XXXX, my account with Discover was locked while traveling abroad. After speaking with a representative, they confirmed that they needed to verify my income by having me sign a form. Once I'd returned back to the U.S., I had a customer service representative walk me through signing the initial form and she confirmed everything was completed. 

Today XX/XX/XXXX, I'd received an email notification that my account has been closed. After speaking with a representative, they confirmed that my initial form from XX/XX/XXXX was rejected, after I was guided by a Discover Representative in completing it. 

There was not a second form sent to my email, there was not a second form mailed to my address, There was not a notification sent through the mobile app which I used almost everyday and there were no phone calls made to notify me of the additional information needed. They was not able to provide a reason as to why the initial form was rejected. In addition, there was not alternatives ways requested for verifying my income. 

I was and still am able to provide the following reflecting my income : XXXX Tax Return & Transcript XXXX Tax Return & Transcript XXXX Tax Return & Transcript XXXX W-2 ( and later ) Employment Verification Letter Pay Stubs Bank Statements Employment Offer Letter ( XXXX ) Employment Promotion Letter ( XXXX ) Last but not least, resigning the income verification form. 

Closing my account now will impact my credit score significantly after I was attempting to rebuild it. 

I have NEVER missed a payment with Discover, so this is absurd.
Consumer complaint received 2016-04-15
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and I live on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was approved for loan modifications payments at XXXX/XXXX/XXXX by Bank of America and transferred my mortgage to XXXX XXXX XXXX XXXX. Before they approved me for this loan modification Bank of America Loan Service have sent a letter to me and ask to pay my loan modification payments. I have sent them my Cashiers check {$5.00} at XXXX/XXXX/XXXX. I was in a process off loan modifications more then 4 years. I thought this my {$5000.00} will be apply for loan modification payments when Bank of America approved me. But I never get back my money back from Bank of America and my {$5000.00} they never was apply for my mortgage payments. I called many time to different departments of Bank of America, I have sent them letter with my questions where my {$5000.00}, but I have got many different answers. They told me they have been sent my {$5000.00} to new my mortgage service XXXX XXXX XXXX. I called to XXXX and they answered to me then Bank of America never sent them my money. I will send you all my proofs, like copies of my cashiers check of {$5000.00} back and front, the post card certified mail wich Bank of America sighted. 
Please help me to get my {$5000.00} back, because I have sent to Bank of America for loan modification payments, not for something else. 
Thank you so much. 
XXXX My email : XXXX My phone number is XXXX My previous loan with Bank of America is XXXX
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

I just checked my credit report and found some very disturbing things on it. I found XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my account and I never heard of them. 15 USC 1681 Section 602A, 15 USC 1681 Section 604A and 15 USC 1692C are all protecting my rights as a consumer. I would like my account to be cleared of these bogus accounts.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I sent a letter to Early Warning Services on XX/XX/XXXX. They never responded and I'm now asking or the CFPB to help. I wanted among many violations, to OPT OUT which I am entitled I have included the letter which noticed many violations and opt out requests. I appreciate your assistance in this matter. 

XX/XX/XXXX EARLY WARNING SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX My comprehensive file disclosure which I received on XX/XX/XXXX shows many transactions, and information, and violations which concern me. Which include the following : Violations of the Privacy Act of 1974 which prohibit the disclosure of information from a system of records absent the written consent of the subject individual. 
15USC1681a ( XXXX ) ( A ) ( i ) says that a Consumer Report does not include a report containing information solely as to transactions or expieriences Between the consumer and person making report. 
15USC681a ( XXXX ) ( A ) ( ii ) says it doesnt include information among persons related by common ownership of affiliated by corporate control. 
15USC1681s ( XXXX ) ( a ) ( XXXX ) and 12CFR1022.1 ( B ) ( XXXX ) ( XXXX ) requires that I receive a notice, snd given the opportunity to opt out or dispute and negtive information before it is put on my report. I have never been given a notice with said information, nor permission to report. 
12CFR1022.21 ( a ) says eligibility information can not be used unless consumer is provided a reasonable opportunity and a simple method to opt out and has not opted out. 
12CFR1022.24 requires it to be by mail or email and by including a privacy notice. 
12CFR1022.25 says that it does not include requiring that I the conumer have to write a letter, to call, or to write to obtain form, making it only able to opt out by paper mail, or by visiting another website without providing a link to the site. ( Your own website claims that I can not opt out, and also requires a written notice in order to attempt to do so ). 
12 CFR 1022.22 ( XXXX ) ( C ) says I may opt out at any time.

Per the FCRA as a federally protected Consumer, I am now Opting out Indefinitely out of any and all authorization that I the consumer may have given Knowing or unknowingly, written or verbal per 15 USC 6802. 12 CFR 1022.

15USC1681n ( b ) and 15 USC1681n ( XXXX ) ( A ) allows for me to recoup damages from violations at {$1000.00} per Violation. 
SINCERELY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION (FL)

My wife was currently on a XXXX ( XXXX XXXX XXXX ) for XXXX weeks, with XXXX weeks unpaid. She recently returned to work, but the information was provided in the loss mitigation application with repayment options that fit our budget. Apparently, an old credit card debt was on our lien and we were not aware of it until engaging in this process. We found that the debt is an error and filed an answer with the company via clerk of courts and currently waiting on a response. 

However, when I called to inquire about the loss mitigation appeal process, I was informed that any information emailed to the home preservation department in the format of a Word document, the system rejects the files. We provided requested documentations approximately XXXX to XXXX times using the email provided and was never informed that all files must be in a PDF format. I also reviewed mailed instructions multiple times to see if I overlooked this detail, however it is not stated anywhere. 

Truist denied our application for loss mitigation assistance due to the lien on the title, with no details of what options we can take regarding the lien... even after sending all communication with the debtor and courts. I recent all required documents in the PDF format, but do not believe we should be in jeopardy of losing our family home for lack of information. 

We pay an additional amount every month due to PMI, however, we have requested multiple times for lower payments since our household income has decreased by approximately XXXX  % since cutbacks at my place of employment and still has not been granted. We've been between barely making monthly mortgage payments or on some type of short term forbearance off and on since then. Records reflect on time payments dating back to 2014, with no hiccups until XXXX. So if we pay for PMI, Why are we constantly getting denied a lower mortgage payment option. It really seems that we are being beaten down for every dollar with no reprieve. Isn't this the sort of thing the PMI was supposed to assist families with? We love our home and can afford it with slightly lower payments. Shouldn't this be an option with FHA mortgages? Please help...
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I called to cancel my credit card on XX/XX/XXXX. The customer service representative refused to cancel my credit card. She indicated that the company would not cancel it until I paid the annual fee for the period of XX/XX/XXXX through XX/XX/XXXX. I noted that it is not XXXX and I have not received any services. The customer service representative said that it did not matter and they refuse to close my account until I pay the fee. I would like the company to refund the fee because they provided no services.
Consumer complaint received 2024-02-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Triton Management Group, Inc (GA)

I was in need of funds to replace the engine in my vehicle. I reached out to Always Money XXXX XXXX Alabama for help. Since I had done business with them for several years coupled XXXX having poor credit, I was totally comfortable XXXX this decision Especially given the history with Always money. They were fair and great work XXXX for payday loans. I was in good standing having Always paid on time every time XXXX was until XX/XX/XXXX. When I realized I would be paying back well over XXXX  the amount I borrowed. XXXX  months at XXXX month for XXXX  months XXXX I borrowed XXXX dollars. I've made XXXX payments of XXXX to date or XXXX I feel I've paid my debt in fairness up to this point. 
I'm wanting to contact my bank and close the acct associated with the monthly ach draft payment with Always money Note. I had done business with them since XXXX. Having over XXXX payday loans XXXX  day transactions that were paid on time every time. This is what I got in return.. Unbelievable to me As far as I'm concerned I've met my obligations in repaying Always money XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (MS)

I purchased a new vehicle from XXXX XXXX in XXXX Louisiana in XX/XX/2019. I put XXXX down payment. I was so happy to get my wife a reliable vehicle that I overlooked a lot of details. I have struggled to make payments and have almost turned it back in several times. In hind sight I made bad decision. I saw an article about Santander and after reading, I got my contract from the car and was surprised to read a lot of the allegations Santander settled their complaints ... were done to me. I felt used/tricked/manipulated/stupid. Mostly not informed. I am still stunned to find I have a XXXX car payment for 5 yrs at 18 % interest. My signature is there but again uninformed and stupid. I can not ever remember filling out a credit application only that they ( the salesman ) was looking for me a finance company. I signed for roadside assistance, I already had with XXXX XXXX XXXX The total price I pay is XXXX I feel stupid and taken advantage of. I was given rebate of XXXX which is invisible with the high interest rate. I unknowingly signed for gap insurance, I got that with my car insurance. I purchased a appearance protection warranty like a fool. XXXX XXXX for etching XXXX I wouldn't knowingly buy that. Wheel/tire insurance for XXXX I would not knowingly buy that. There has to be a way to stop customers from being taken advantage of. I wrote santander a letter asking for some form of relief ... I received no response. I called the attorney general of louisiana and I submitted a complaint on their website. I also have a purchased warranty in addition to the new car warranty. XXXX dollars.
Consumer complaint received 2015-10-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have a private loan with Navient. I am trying to pay my loan ; however, I do not currently have the income to make the entire payment. I have been trying to get the payment reduced for almost a year now, but they will not allow it. The only option I am given is to pay {$100.00} to put the loan in forbearance for one month. However, their " sister '' company has a program in place to allow you to pay based on your income, which is much more reasonable. I do n't understand why Navient would not have a similar option available, especially in an economy such as ours. It is understandable that people are not able to pay there loans in the amount they are demanding. They should by law have to offer more payment options so that you can pay your bill and not have your credit negatively affected. This process seems unfair and in many ways illegal. I am hoping something can be done about it. I really someone to help me on this matter. Thank you.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

My monthly payment is {$800.00}. I made my payments faithfully and when due. I made my payment, in full, XX/XX/XXXX. I received an email XX/XX/XXXX stating that my account is past due. I logged on to Navients because I thought it was a mistake, only to find that it stated I have a past due amount of {$230.00}. I called and they stated that it was accurate and keep sending me to multiple people, only for them to tell me the same thing. They then offer me an opportunity for forbearance, which I did not want. I have documentation that I exported from their website and from my bank account that shows the payment was made on time. Please help.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

In my checking account there is {$1100.00} and Wells Fargo decided to randomly close my account because as they state it, it was a company decision they said ill get the remainder in a check sent out to my address. As of XX/XX/year>, my account is in the process of being closed so i have no access to my funds and i cant pay for anything.
Consumer complaint received 2024-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (GA)

My taxes and insurance are paid by escrow through my mortgage company, Wells Fargo. On XX/XX/XXXX, Wells Fargo sent payment to the wrong company and my insurance was never paid. I was notified by receipt of Notice of Cancellation from the insurance company for nonpayment. Upon researching I learned that WF sent the check to the agency, rather than the insurance company, despite the account being set up as " direct bill '' rather than " agency bill ''. The agency sent Wells Fargo a refund on XX/XX/XXXX ; however, my homeowner insurance was scheduled to be cancelled on XX/XX/XXXX. Adding to the complication, Wells sold the mortgage to XXXX XXXX, effective XX/XX/XXXX. 

In attempt to avoid cancellation of my insurance, on XX/XX/XXXX Wells Fargo informed me that they would send an overnight payment to the insurance company. Because I trust but always verify, I called the insurance company on XX/XX/XXXX to see if the payment was made. It was not!! I followed up with Wells and was told that Wells declined to send the payment because my mortgage was scheduled to transfer to XXXX XXXX. That transfer has no bearing on the fact that Wells never paid my insurance company, yet collected money in escrow. My insurance policy will be cancelled and Wells suggested that I pay the insurance company directly to avoid cancellation. That is not an option. I don't have an extra {$3500.00} to accommodate for Wells Fargo 's mistake. Wells never even called to inform me that they were not making the payment. 

Rather than take accountability, Wells wants to pass this issue off to the new mortgage servicer, even though the agency refunded amount is coming back to them at Wells Fargo. In jeopardy of cancellation, if anything were to happen to my home I'm in danger of losing everything if uninsured.
Consumer complaint received 2024-02-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Collection Management Holdings, LLC (TX)

XXXX XXXX XXXX  sold my dept to a collection agency called Credit Management Company on XX/XX/2023 for the amount of {$580.00}. They have continued to harras me calling me two to three times a day and sometimes past XXXX at night. I have tried to work with them but the refuse to accept anything but a full payment. Unfortunately I am not financially capable of making this payment in full at this time. But have agreed to make payments but they refuse still calling me daily, morning and night.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Several email communications have taken place along with phone conversations about the incorrect reporting of 2 debts with XXXX ( XXXX XXXX ). The bank has stated in XX/XX/XXXX again in early XX/XX/XXXX to have the error in reporting  corrected. Their incorrect reporting has caused denial in employment. I was assured the errors would be corrected asap.  The incorrect reporting is still in place. The reporting is sporadic and should be reported correctly. 

The below information was supplied to XXXX XXXX several times. 

" XXXX sent a 1099-C in XX/XX/XXXX for all of these items which were discharged. I have disputed the reporting of these items for some time now and none have been corrected. Currently XXXX/XXXX XXXX is in violation of Federal and State of Louisiana Bankruptcy laws. In Louisiana a non filing spouse of a bankruptcy is awarded the benefit of the discharge. 
Federal bankruptcy law 11 U.S.C 524 ( a ) ( 3 ). All of these accounts have been discharged as you can see by the attached. I have attached a copy of a letter which was provided to another creditor who is also reporting incorrectly for your reference '' Debts were discharged in Bankruptcy chapter XXXX XX/XX/XXXX.  All documents have been supplied to the creditor on several occasions. Discharge documents can be supplied again  if needed. 

Copies of bureaus incorrect reporting is attached.
Consumer complaint received 2022-09-21
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: CREDIT ACCEPTANCE CORPORATION (MI)

In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX/XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX  Account number XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX  XXXX bankruptcy discharged Reference number XXXX has violated my rights.
Consumer complaint received 2024-02-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have ask Navient for information about my loan for YEARS. I notices back in XX/XX/XXXX that Capitalized Interest was added to my loan for {$2200.00}. I called and was told that I would get a letter in the mail. Over a year later I got nothing. Then I saw They reported me to the credit bureau said I was late for 90 days which is not true because I was on Auto pay for years. I was in programs that was interest only and when I request them to explain I always get told a letter will be sent still nothing. I requested a payoff letter because it didn't match the credit bureau report. At that point I ask for a settlement to be done. I am still waiting a month later. I have contacted the customer service department leaving messages with no return call. I have left 4 messages as of XX/XX/XXXX. I have called them so many time and had to deal with rude people and I am over it. I ask them to take me off of auto pay now since we are having issues and still they will not take me off. Also I have ask them to send me my tax form and was told I didn't pay and Interest even thought all my payment went to interest.