davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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: ALLY FINANCIAL INC. (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (NC)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX
Consumer complaint received 2021-03-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MA)

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?
Consumer complaint received 2018-07-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (SC)

The XXXX XXXX sent me multiple emails after I departed from their facility none of which mentioned a debt owed. I have attempted to contact them for months when my roommate first made me aware of the balance ( no answer ). My roommate stated that it appeared on her credit. A month later I started getting harassed with multiple calls ( within minutes of each other ) everyday while at work. When I would call back I got line errors so I thought it was fraud. This company Hunter Warfield who is now reporting to my credit never sent me anything regarding this debt. I had no issues fr the XXXX while living there so Idk what this could be for. I have disputed this debt TWICE on my XXXX report since XXXX and still have not gotten a breakdown of the debt.
Consumer complaint received 2019-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (MN)

I had a valid Mastercard with Citi which I closed several years ago. The rationale for my voluntary closing the card was due to Citi raising the rate. At the time I had a large balance on the card and continued to make payments on the card. Within the last year my 9.9 % rate has been raised twice to the current rate of 11.49 %. I have inquired several times concerning the recent increases, only be told that the rates were raised to reflect the change in the Federal Reserve rates. They adjusted my rate accordingly. My question, is when the standard interest rates were lower, how come my 9.9 % was not adjusted downward. It seems that would have been appropriate. I have never been notified by Citi, to rate increases.
Consumer complaint received 2020-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc. (PA)

Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.
Consumer complaint received 2022-08-27
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. (CA)

Submitted a dispute for all three-credit bureaus to investigate the inaccurate accounts on my credit files they all were given 30 days to do a proper investigation, all 3 bureaus took 60 days ' plus, I had the XXXX Credit bureau use the excuse that we were in Litigation, which was a total stall tactic, the other Two bureau 's stated that the accounts have been verified without send me any supporting documentation as requested. 

The following accounts need to be deleted from my credit files : 1.XXXX XXXX  XXXX 0042****payment history not 100 % accurate. 
2.XXXX  XXXX # XXXX payment history not 100 % accurate. 
3.XXXX  XXXX # XXXXpayment history not 100 % accurate. Two different account numbers. 
4.XXXX XXXX XXXX XXXXXXXXpayment history not 100 % accurate. 
XXXX. XXXX  XXXX # XXXX*Dockett # XXXX Different dates and no proof provided after supposed verification these have been deleted from Equifax. 
7. XXXX XXXX # XXXX This account only remains on XXXX the account is over 7 years old and has a inaccurate payment history also is a charge- off with a balance and stil a open account reporting this account is not 100 % accurate. 
8.XXXX XXXX XXXX XXXXXXXX the payment history is not 100 % accurate, also this is a charge off account reporting as still open with two different balances.
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NJ)

My credit card with Discover suddenly stopped working after 6+ years of my being a customer ( never once did I make a single late payment ) and this morning my credit report informed me that my account had been closed. I received no notice of this, and upon contacting Discover the representative argued with me that they called me ONCE and left a message to call them back ( I have no such message ) absolutely sent me emails ( which they said during the call that the emails would be found in my spam folder as they were not sent by Discover??? ) and because I did not respond to their attempts to contact me they made the decision to close my account without ever informing me. I have always paid my bill on time, I have no idea what information they suddenly needed or why and I do not understand why they would make such little effort to contact me prior to closing my account without any notice or option to appeal. I would happily have obliged to work with them, but the C.S. rep told me that there was absolutely no way I was going to have the account reopened and that I was not guaranteed to be approved if I were to apply for another card - which I know, because in closing that account my credit score dropped nearly 100 points. This feels like a deceptive, unfair practice and is causing me greatly unnecessary harm both financially and to my credit score, all of which could have easily been avoided. At the end of the call, I told the rep that this was a XXXX excuse for customer service and I was hung up on. Most financial unions offer relief during this time, but I am being crucified for not receiving a single voicemail with no real information about what happened, that my account was in danger of closing, or what I needed to do to resolve it. I feel cheated and completely lost. Six years of loyalty and consistently on-time payments and this is the treatment I received.
Consumer complaint received 2019-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

*the attached screen shot shows the libelous remarks reported by navient after the loans were closed due to being pd in full through the consolidation* This company repeatedly puts remarks on my reports that are libelous and false. They have reported after my loans were Consolidated from them to another lender that I disagreed with the results of the investigation when in fact I did not. I feel that this is retaliation for me filing a previous complaint with this organization against XXXX and I'm about ready to allow my attorney to file a criminal suits against navient for libel and violation of the Fair Credit Reporting Act for reporting false information to the bureaus. I have asked this organization on numerous previous occasions to not report false libelous information to the bureau 's and yes they continuously time and time again do so which I feel is retaliation and I'm about to retaliate against them myself by way of a lawsuits and a very negative media campaign.
Consumer complaint received 2019-01-12
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: Innovis (NY)

I was looking at my XXXX  score noticed 3 hard inquiry reports that i never authorized or signed off on. 

The following are CBC Innovis XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 I would just like these removed from file as this was fraud.
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP (OH)

COMPLAINT INFORMATION I contacted XXXX on the XXXX of XXXX. Someone hacked into my email account whereby the suspect was able to go into my account and wipe me out. The dollar amount in dispute. {$22000.00} The date of the transaction. XX/XX/2021. Someone stole my email and I was locked out of XXXX. I emailed XXXX immediately when I found out that my email was hacked. I emailed that at XXXX XX/XX/XXXX on the XXXX of XXXX. I received a generic email at XXXX XX/XX/XXXX Eastern Standard that evening stating that I am in the cue. I emailed XX/XX/XXXX again on the XXXX, and when I didnt hear from them I emailed them again on the XXXX. I filed a police report on the XXXX. I received an email from a representative named XXXX, who told me they will change my email, but I needed to verify who I was by providing them with a video, license, utility bill. I did everything XXXX asked for. I explained to XXXX over and over that someone else has my email account at XXXX. There was a XXXX breach and I was one of the victims. I sent the Ceo XXXX XXXX a message on XXXX because I wasnt getting anywhere with XXXX. ( She since has blocked me from contacting her ) I believe I did that on the XXXX of XXXX. On the XXXX of XXXX XXXX sent me another email requesting another video. I did that too. On the XXXX I find out the suspect also depleted {$5000.00} out of my US bank account since that account is linked to my XXXX account. On the XXXX of XXXX, I was assigned to another representative XXXX XXXX. XXXX closed my XXXX account on XX/XX/XXXX. XXXX sent me an email on the XXXX telling me my account has been resolved but XXXX will not reimburse me for my losses. The theft occurred on their platform They are FDIC insured. Why won't they compensate me? XXXX is under the US Bancop. I filed a complaint with the Office of Comptroller. XXXX was able to resolve this matter in two days, while the XXXX took 12 days to even realize what I was telling them. In XXXX email, he said the suspect sent my money to a bitcoin address. The company knows exactly where the money went but they wont retrieve or recompense me. This is a fraud. Someone stole my account and was able to do whatever they wanted to do while I wasnt able to do anything about it. I made a complaint with the Consumer Financial Protection Bureau earlier with your organization because XXXX would not return my emails. XXXX does not respond to emails in a timely fashion. XXXX does not have a telephone number to call when an account has been compromised. I also contacted the fraud department for my US bank, thats because the suspect was able to deplete my account for {$5000.00} in three separate transactions. A. {$2000.00} B. {$2000.00} and CXXXX XXXX. This happened on the XXXX of XXXX unbeknownst to me. 

Thank you in advance for your guidance XXXX XXXX
Consumer complaint received 2020-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MoneyLion Inc. (UT)

I have been trying to get ahold of an agent or someone for the past 2 months to pay on this loan. I have emailed in to their email that keeps sending me promotions and that talks about my investments and I get no response. I call in to their line only to be told that my account is being handled by management and they will call me back but I am not receiving any calls back. 

This is effecting my credit and has dropped my credit from a XXXX all the way down to a XXXX all because of their lack to contact me so I can have this handled. I have not been able to pay for my membership w/ XXXX to be able to keep up with my credit for the past 2 months because my priority was to have this loan paid off first but its impossible when no one is calling me back on it. 

I've needed to pay my past due and i need this taken care of because this is not helping me at all for my future. This is the second time this has happened. I have emailed in on XXXX and the most latest I emailed in was on XX/XX/20. 

SOMEONE CALL ME XXXX or email me back so i can pay my bill and so yall can fix my credit. This is ridiculous. I want to be done with this company already.
Consumer complaint received 2020-08-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX, I requested the opening of a checking account through TIAA Bank. Even though my application went through and I was waiting for a final decision ( I don't know who makes this decisions ) someone at TIAA canceled my application. I was never advised why my account had been denied from opening. I had to login myself only to find out this person made an unreasonable decision. Never received " adverse action '' to find out and have a little of details on why my application was denied. 

Furthermore, I held an account before with TIAA Bank, more than a year ago. I opened it without any kind of trouble, this time the human being who checked my application approved me and I was able to enjoy of their benefits for a short period of time. It wasn't until a company that owed me money sent me a fraudulent check that was deposited in my XXXX XXXX  account ( still current bank, because real humans work there ) and I decided to take my business to TIAA,  again, because of their benefits. I right away deposited a personal check for the amount of pending funds plus amount on account ( XXXX XXXX ) to TIAA, to start my business with them, but unfortunately check never posted due to my Bank couldn't verify funds and didn't approve the transfer to my new Bank ( TIAA ). My account was closed, customer Service worthless, don't understand, don't believe in anyone, rude people, told me to try again applying for a new account, they can't reopened it because it was closed already, worthless people who by the way had the power to reopen account and didn't do it just because 1 single and simple error, the worst Bank ever at the moment and how I will call it in social media and the internet from now on because I will make my job for the American people to know what kind of Bank is this. 

All in all, waited all this time for that bad remark to go away and wanted to give it a try again, looks like I'm still wrongly flagged and I can't open an account.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There are incorrect addresses that do not belong to me or may belong to a family member : XXXX XXXX XXXX, XXXX, TN XXXX XXXX, XXXX OH XXXX
Consumer complaint received 2020-08-18
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. (OH)

There are inquiries on my credit report that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

i have been working with XXXX XXXX and more recently i have had several conversation with XXXX XXXX Foreclosure closure expert and have talked to each other a lot. 
Wells Fargo told me last week that every thing was looking goo and to expect all to be settled soon, According to XXXX XXXX ( Wells Fargo 's lawyer? ) my house was sold XX/XX/2019????? 
I left voice mail with XXXX I wish they would just be honest with me XXXX XXXX XXXX
Consumer complaint received 2021-02-19
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. (CA)

I have disputed information on my Equifax credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Equifax while providing the affidavit and twice now they are continuing to report inaccurate information.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

We have to be out of our house on XX/XX/XXXX so we have been looking for a new house to rent we found a house on XXXX that was for rent for {$950.00} a month with a {$950.00} deposit we made contact with a person on a phone number and email address we were sent a rental application we're giving an address and let in to see the house.We have been talking about when we can move in we were asked to give a {$950.00} deposit to secure it for XX/XX/2020. Ivdid so on the XXXX XXXX with my Wells Fargo app the daily limit was XXXX so that's all I can send at the moment when it was confirmed that that's what I sent they ignored our messages and phone calls for a few hours and then they responded to us a few hours later asking when they can receive the other {$450.00} by then we assumed it was a scam I contacted my bank immediately and tried to stop the XXXX payment and filed a claim with them wells Fargo. I am supposed to call the suppose landlord tomorrow  morning to arrange the rest of the deposit and receive the keys but I know this is a scam at this point and will not be moving in. I found another listing for XXXX a month and it is through a different realtor it's the same house. I think they used the account to make the fake XXXX account me and my family are going to be homeless as of XX/XX/XXXX and this is all the money we have I tried to reach my bank immediately about half an hour to an hour after the money was sent to stop payment was asked you to send the remaining XXXX through a XXXX XXXX which was cancelled thank God so I was trying to stop the {$500.00} payment cuz the XXXX can at least put me in my family in a motel room for two weeks please help me thank you.
Consumer complaint received 2020-12-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I went to take money out at a atm to pay my rent but the atm just kept saying error so I just had to transfer to another account and withdraw from there but a month later chime let the atm company charge me the XXXX dollars even though I never received the funds in hand and pretty much said XXXX you and pay us.
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NM)

I refinanced my mortgage in XXXX of XXXX with LoanDepot. My mortgage is escrowed. They have collected over {$22000.00} from me for escrow and have not paid my home taxes. 
I have been trying since XXXX of XXXX to resolve this. I was told in XX/XX/XXXX taxes were paid however they have not been. 
I started emailing and calling again in XXXX of XXXX with no resolution. 
LoanDepot tried telling me I was not on the deed however that is inaccurate information and I have provided them another copy of the deed as I am the only person on the mortgage. 
With the late fees the tax balance is now {$10000.00}. 
I have talked to multiple people, and have received emails as well however the taxes have still not been paid.
Consumer complaint received 2019-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

A complaint was filed against Wells Fargo Bank # XXXX for the misapplications of my mortgage payments and for failing to apply the designated payments to my principal mortgage balance. Wells Fargo and XXXX XXXX  have put on two demands to collect {$76000.00}, to reinstate a loan where the borrower only owes no more than little over {$38000.00}. After writing and calling since XX/XX/XXXX, Wells Fargo essentially washed their hands of the loan and transfer the loan to XXXX XXXX and stated that they had no further dealings with the loan. XXXX XXXX has continued with the foreclosure sale dated for XX/XX/XXXX without any resolution to the original complaint, When a reinstatement was requested XXXX sent one out with the amount of {$38000.00}, XXXX XXXX Wells Fargo sent one out also demanding more money {$38000.00}, each institution has different wiring instruction for two different banks. 
This situation demonstrates no accountability and fraud on Wells Fargo part who seems to want to have it both ways. Wells Fargo written response clearly communicated that they were no longer the servicer and they had no intentions of rectifying the misapplied payments, yet they continue to use a questionable Trustee XXXX XXXX who the Secretary of State of California states they must use the word Arizona in their written communication which they refuse to do, now they are trying to collect more money than entitled to.