davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

By manipulating his personal information unlawfuly with an intent to introduce a collection to his Equifax credit report and in retaliation after complaining about this credit bureau, Equifax violated Mr. XXXX asserted rights especially the ones under the Fair Credit Reporting Act ( FCRA ). As of today XX/XX/2019 Equifax either pretend No issue existed or Equifax is challenging the law knowing it violated the FCRA in Mr. XXXX case. Equifax decided to write Mr. XXXX Record in the way it sees it profitable for Equifax. Equifax must comply to the FCRA or a lawsuit about those violations caused by Equifax is coming to face this credit bureau. Equifax Has all the information necessary to correct Mr. XXXX personal information and without waiving his rights, all stated herein is to his current state of belief, knowledge and understanding and subject to anything and at anytime by him and without prior notice .Equifax you know what you need to do. Comply to the FCRA and address the issue with good faith or you will loose at the end when you face an indictment of fraud directed against a citizen and a severe punitive damages and other will be requested in a court of law so you chose between doing the right thing or face the legal consequences of your wrong thing youve been engaged in.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (CO)

On XX/XX/22 I visited the Nordstrom rack in XXXX Colorado. I had a larger purchase and they asked if I wanted to apply for a credit card to save {$40.00} stupidly I agreed I started entering information and the sales clerk said oh our machine is down youre going to have to do this over the phone so she makes a phone call and puts me on the phone with someone who starts asking all sorts of personal information income, Social Security number and date of birth, etc., I started getting very very uncomfortable and told the lady on the phone I was getting very uncomfortable with this conversation and I put the sales clerk back on the phone and the person on the phone told the sales clerk she is not approved for a credit card I said thats fine. I dont want one. Now a few weeks later I get a credit card in the mail from Nordstrom, so they tell me that Im not approved for a credit card and I say I dont want one and then they force one on me anyway, this is extremely concerning
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I received an email on XX/XX/22 from a company I have never heard of called XXXX XXXXXXXX. I was sick to my stomach, then I called immediately to report fraud, as I have never heard of this company and did not and would not apply for this type of loan. They assured me they would alert fraud when I called that night- they clearly did not flag the account. I receive a call today- which shows up as spam risk - so I didnt answer - They left a voicemail - that I have not paid the loan - and I am late on payments. The number I called back today XX/XX/22 was XXXX and told them again I NEVER opened a loan with them. I was given information that this person who stole my identity used my old mailing address XXXX XXXX XXXX XXXX - zip XXXX with my cell number and they were somehow authorized to send money to wells fargo which I have never had a checking or savings account with. These funds apparently were released to account number ending in XXXX- on XXXX XXXX. I received a call today my account was past due - which now I am very worried as someone not only stole my identity, my credit has been impacted. There is a late payment with XXXX knows how high the interest is on this type of personal loan. This same person - tried to open another personal account with XXXX XXXX XXXX the same day and got denied. I have filed a complaint with the FTC, I have called Wells fargo and I have called XXXX loans- I am filing a police report next as well as calling XXXX XXXX, XXXX, XXXX and XXXX and am prepared to get professional legal authorities involved.
Consumer complaint received 2022-08-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I recieved a loan from Sallie Mae, Now Navient, in XXXX. 

Earlier this year loans such as mine were deemed fruadulent and the Federal Government stated that Sallie Mae should cancel the loans. The criteria was that the loan be subprime OR from a list of schools, mine was on the list of Schools. The loan must have been from XXXX to XXXX, mine was from XXXX. It must have been discharged before XX/XX/XXXX, mine was discharged in XX/XX/XXXX. The barrow must have been from one of XXXX states, California included which has always been my state of residence. 

Sallie Mae XXXX Navient, has refused to cancel my loan, they are currently saying that I owe {$81000.00}. This is preventing me from purchasing a house as it shows that my debit to income ratio is to high. 

I have spoken to Navient and XXXX XXXX as well as the collection agency and specifically XXXX XXXX. They claim that my credit score at the time of lending was too high. However the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, was specifically named as being a school that was part of the group commiting fruadulent lending practices and should have never been offered as a loan. There was state and federal law enforcement actions were taken against the school. The loans deemed preditory in nature. 

I am trying to get this resolved as the stress associated with it has caused me to be given XXXX XXXX XXXX  and my therapist has even deemed that I would be elegible for a service dog due to my increasing XXXX XXXX. Other than the stuff around the limitation due to these loans there is nothing that triggers these XXXX XXXX
Consumer complaint received 2019-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CO)

On XX/XX/XXXX, my bank sent an official check to payoff my entire credit card balance. The check was mailed attached to my credit card statement. On XX/XX/XXXX, I noticed the payment still had not posted. I discovered from my bank that Citi Cards had received the check and credit card statement as the official check was negotiated by Citi Cards on XX/XX/XXXX. I  called Citi Cards and filed an investigation for the missing payment on XX/XX/XXXX. They communicated to me that a conditional credit would be applied within 2-3 business days while its being investigated. On XX/XX/XXXX, I contacted Citi again as my payment nor the conditional credit had been applied to my account. After 30 minutes was finally connected with a supervisor named XXXX XXXX. He told me that even though my credit card statement was with the check, if the check didn't have the account number on it, they wouldn't know where to place the payment. Further, I would have the conditional credit the next day as it takes 2-3 business days, that he located the lost check/payment and that it had been deposited into Citi Cards general account, and he would call me the next day to update me if the payment had been posted. XXXX called me on XX/XX/XXXX, and informed me that the payment still had not been posted, that the conditional credit had also not been posted as they're delayed. Further that I needed to make the minimum payment due to avoid late charge. I refused to make the minimum payment, because I provided them an entire payoff that they're refusing to process, nor were they able to process the conditional credit as promised while its being reviewed. I asked if I could speak with someone on the payment processing team, or if he could reach out to someone to get the payment processed and he said no, they have no way to contact them, and that my payment may not post until Tuesday, XX/XX/XXXX and reluctantly agreed to call me back on that date to confirm. As of XX/XX/XXXX Citi Cards still have not processed my credit card payoff and they have had the funds deposited into their internal fund management account since XX/XX/XXXX.
Consumer complaint received 2022-10-08
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish an account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-08-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (UT)

Carrington Mortgage recently purchased my mortgage from another mortgage company. I was never contacted by the company to tell me my mortgage had changed hands. After 30 days they claim they did a vacancy check and charged me XXXX dollars. Why go through the effort of sending a person to my house instead of attempting to contact me by phone, email, or other means? They claim the {$25.00} dollar fee is in my contract. I never signed a contract with Carrington, and the contract I signed with the previous mortgage company does not contain this clause. They have not shown me any evidence that they did a vacancy check, attempting to contact me, or even shown me that I signed the clause assessing the XXXX dollar fee. They've asked me to send a fax ( FAX? ) or write a letter to a XXXX XXXX XXXX This is 2022, why not email or phone call? This is undoubtedly to discourage people from disputing these fees.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made 3 following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Consumer complaint received 2018-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (WV)

I have requested a short payoff approval letter for {$60000.00}. This is the second mortgage on my property. Two months later the mortgage company has not responded with a payoff approval letter so that I can refinance this property. The second mortgage is delaying my efforts to refinance my property.

The second mortgage, Ditech, is putting me in danger of the making the bankruptcy court to eventually sending the property to a foreclosure upon and sold at an auction sale. My attorney has informed me that the second mortgage will not receive any money from the foreclosure auction sale if this happens. 

I need a response from Ditech Financial LLC if it is going to give me a short payoff approval letter that it is accepting the {$60000.00} as soon as possible. NOTE : Ditech needs to communicate with my attorney, XXXX XXXX or the mortgage finance company representative, XXXX XXXX ( XXXX ) XXXX, to let them know if Ditech will be giving me a short payoff approval letter.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Unfortunately, I fell ill to XXXX XXXX and was unable to work for 35 days, with all the bills pilling up I decided to called in and speak to one of there reps and explained my situation. I was told that there wasn't any available assistance from the Care Act '' and the only available option was to file for an extension or make a payment arrangement with a partial payment which I did make a payment of {$400.00} on XX/XX/XXXX and the balance {$190.00} on XX/XX/XXXX, so thats what I was told. I understand it is my full responsibility to make sure my account stays in good standing but I felt like I was mislead. To this day I have not and will not miss another payment. This payment does not show my credit worthiness. I kindly request that the information be corrected and updated to paid from my credit file, a payment was made and I did it on the phone with your rep. I was also told that if I made XXXX following payments that the action would be revised, that still did not happen. As I am in the process of buying a house this information blocks my full ability to purchase without issue. I did what was requested by your company at that moment.
Consumer complaint received 2022-07-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (TX)

I have a debt collection from copio partners from a medical facility I havent received anything at my home address XXXX XXXX XXXX XXXX XXXX, tx, XXXX in the mail just showed up on my credit score tried to dispute it as hippa violation as it was shared medical history but it had yet to be removed or even notified about it no phone call was given to me at XXXX about it either so I didnt even know about it or know I needed to dispute or that I could dispute cuz I didnt know it even existed
Consumer complaint received 2022-08-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The following companies are closed accounts that are paid in full. On XXXX 2022 I disputed all companies that were over XXXX years old and requested an investigation to explain how they were able to reset the clock on the statue of limitation. The following companies have violated the laws of FCRA and failed to delete/remove their accounts from my credit file. Please, investigate my complaint and have the negative accounts that are hurting my credit worthiness for approval of credit deleted/removed or I will seek for monetary compensation for damages done to my financial well being. 
1- Bank of America {$500.00} 2- XXXX/XXXX, XXXX  {$600.00} 3- XXXX/XXXX, XXXX  {$100.00} 4- XXXX XXXX XXXX {$24000.00}
Consumer complaint received 2022-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (PA)

Paypal is very deceptive in its transfer money system. Whe a customer goes tot he " money out '' section of their account to send money to their personal banking institution Paypal offers two options for how to do it : 1. No Fee - within 1-3 business days 2. {$25.00} fee- to transfer within seconds The issue is that the company has intentionally designed the XXXX so that you can't tell which option is selected, they are both blue. If you click on the " No fee '' button, the blues shift but you have no idea if that's what you've selected or not, both buttons look like they couild be selected. However, if you click the " {$25.00} fee '' button the screen immediately takes you to the processing screen. 

This XXXX design is deliberate to trick a small % of unwitting consumers out of {$25.00}. It is in the same vein as the old scam banks used to run with how they prioritized your purchases and deposits to ensure you overdrafted if at all possible.The government did a great job of shutting that scam down. You could make another huge difference for consumers by having PayPal stop trying to take advantage of consumers with its deceptive XXXX. It's sad the company feels this is necessary for its business model.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2022, my credit report was falsely reported by cornerstone financial and Experian. My account was placed in collection without notice and reported as 90 days late after only 30 days. I have yet to receive any information regarding this account being falsely reported.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: KEYCORP (WA)

Key Bank decided to implement a 'maintenance service fee ' of {$7.00} for an account with a {$6.00} balance in order to send the an auto-pay into negative account balance and charge an overdraft fee. 

When it was all said and done, Key Bank was able to turn a {$6.00} positive balance into a negative - {$76.00} one, with fees totaling {$82.00} which Key Bank decided to try and help themselves to.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Attempted to call and spoke with rep and then they transferred me over to credit specialist to discuss my APR and interest rates. They customer service rep stated the could lower fees and help with APR and would reach out to another person to discuss what they could do. I pay 25 % interest rate and i have been with the credit repair service now for 6 years. I got my credit score up to a XXXX and the still continued to raise my interest rates and charge me excessive amounts of interest so I could not pay my debt off and just recently hit me credit score because I fell behind. This rate is outrageous and the did nothing to help or even try to assist and I have been a loyal customer of theirs for 6 years. They also did nothing to change my interest rates after i had improved my score with them above XXXX which was a good credit score. They never once tried to treat me like a loyal customer even when my credit was good i did not deserve years of high interest rates
Consumer complaint received 2020-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

I am writing in regard to {$430.00} assessed by the loan servicer Fay Servicing. In their response they state " After conducting a reasonable review, the {$430.00} in was incurred during the XXXX foreclosure process and are recoverable corporate advance expenses carried over from the previous servicer. '' I dispute this amount based on the terms of mortgage modification agreement with the previous loan servicer ( XXXX XXXX XXXX ) that agreed to waive all charges and penalties if I completed the terms of the mortgage modification. This was confirmed with phone calls to XXXX and my attorneys. This charge never showed up until the loan was transferred from XXXX to Fay. I am including all documents supporting this including correspondence from XXXX and my attorneys.
Consumer complaint received 2022-07-26
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. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened XX/XX/2017 Balance {$360000.00}.