davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Bank of America ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CT)

I was contacted by Southwest Credit to pay a debt I did not owe from XXXX. I contacted XXXX and they refused to remove the information from the report. I contacted the debt collector Southwest Credit as well, and they said " my account was locked '' and were unable to verify the debt.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (CA)

I was charged {$99.00} by true way savings to my PayPal debit card. I never authorized this amount and filed a dispute right away. PayPal opened an investigation and ruled in the sellers favor. If you look up the true way savings online there is no contact info anyplace so how could PayPal have even investigated them. I have and it's a fraud scam company who had done this same thing for the same amount XXXX XXXX and over again so how did PayPal rule in their favor when it's an obvious scam on true ways part. I want my money back I never aggreed to pay out and an explanation as to why PayPal has found them in favor instead. Unbelievable they claim to protect me in the event of fraud yet don't at all do what they claim.
Consumer complaint received 2021-12-17
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (TX)

-I have already two submitted two complaints regarding Ally Financial, but wanted to add that I am not sure who I really spoke to yesterday. A call came to my cell phone number ( XXXX ) on XX/XX/2021 at XXXX XXXX  that was labelled " Ally Financial. '' -The person on the line identified himself as XXXX XXXX from Ally Financial. I think he said titling, but am not sure. I knew the name, because that name appears on my title as the " Seller/Agent '' in the " Assignment of Title '' section of the title. 

- Once the person identified himself there was a pause. I said " I know who you are. '' - When I look up XXXX XXXX online, I find this person working at XXXX XXXX, which appears to be a loan title administration company, that services many lender clients, not just Ally Financial. This is presumably XXXX XXXX 's XXXX profile, which says he is a Title Release Technician at XXXX XXXX XXXX XXXX : XXXX : XXXX - It strikes me as odd that this technician who signed over the title, and has a job of " Accurately releasing automotive titles whilst meeting quota expectations, '' per the XXXX profile, would be calling me, especially if he doesn't even work for Ally Financial. 

-This same person who called also told me that all his Marketing Team would be on the case for me to try and correct the title, and they'd try to sort things out as soon as possible. 

- All this was said before " XXXX XXXX '' started asking me impertinent questions about the release of the lien. I said, I wouldn't have the title if the lien were not released. He claimed that he was only trying to figure out the process that Ally Financial used in order to release the title. The title was not released until I hunted it down, on XX/XX/2021. The date of sale is XX/XX/2021. The whole conversation was not pleasant and I knew I was being gaslit, and wanted out. And why would someone who ostensibly worked for Ally Financial in titling would be so confused about how titles and liens work? 

- Something doesn't add up. I don't think it was Ally Financial calling me yesterday, and it was XXXX, instead. Why is Ally Financial handing over complaints from CFPB to the wrong company? The person on the phone immediately referenced my complaint with the Consumer Finance Protection Bureau. 

-I wanted protection, and I got further aggravated by someone from either Ally Financial or XXXX. 

-It 's a simple problem. Fix the odometer reading on the title. Whoever was on the line admitted error and said that they'd use the odometer statement, but then harassed me after promising that. Also, this person asked if I had any receipt or quote of a penalty fee at the Texas DMV. I said, I will have a receipt after they correct the title.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I keep receiving emails that I'm past due {$170.00}, and currently also due {$93.00}. After being approved for a lesser XXXX loan repayment plan AND how can they be sending me past due notices during Covid extension until XXXX, XXXX with payments beginning again not until XXXX XXXX? Please assist I pray for relief. This is VERY STESSFUL. I'm just trying g to keep ABOVE water and also all during Covid theses past XXXX XXXX yrs I have continued to pay something, EVEN after being laid off for over 3months. 

XXXX XXXX
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

since XXXX XXXX I have been attempting to pay additional principal on my mortgage and it consistently gets applied to additional payments and the interest is being applied to future payments or the payment dates are not being back dated correctly.
Consumer complaint received 2016-10-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phoenix Financial Services LLC (CA)

In my recent review of my credit report in XXXX XXXX, 2016. I see that Phoenix Financial Services reporting the same account to all XXXX credit reporting agencies. I request a total deletion under the FCRA. According to my understnading of the Fair Credit Reporting Act, their duty as creditors is to accurately report on all accounts and to correct any of all the mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as directed by FCRA and removing this accounts immediately. 

Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX A XXXX, IN XXXX acct # XXXX I have disputed this unknown medical accounts with the Collection Agency and they provided me witt medical summary charges, they violated HIPAA law. I have proof of it you need me to provide it.
Consumer complaint received 2017-05-02
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: Experian Information Solutions Inc. (AZ)

I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction   ( s   ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (MN)

To Whom It May Concern : Back in 2001 we took a mortgage loan out with XXXX XXXX and XXXX, the loan has been paid off for years, from what I understand they have merged with Citi Bank. I am trying to refinance, but unable too because it shows that there is still a lien on my home with XXXX XXXX and XXXX. I have called them, sent an email, with no response. I need a satisfaction of mortgage letter, to move forward. I was directed by the state bank commissioner and secretary of state of Minnesota to contact your facility for help, I need to get this resolved asap, so I can move forward with my refinancing, I have included a copy of the mortgage thru our county, thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX
Consumer complaint received 2019-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SUNTRUST BANKS, INC. (VA)

I contacted Suntrust to advised I had been scammed with an online loan company.  They put a block on my account. When I went into the branch the next morning the Branch manager advised Suntrust was closing not only my checking and saving accounts but my sons as well.  They had decided not to do business with us any longer.  Mrs XXXX the branch manager cut up my ATM card in the middle of the branch and advised they would not give me any of our funds from any of our accounts.  I had $XXXX money and I am a single mother of XXXX   at the time that is out of work on XXXX.  When I asked for at least $XXXX  in gas to get the kids to school she advised there was nothing they could do and told me to get out of her branch.  This is all on tape.  I have called every day for 2 weeks and no one will release out money.  It is only $XXXX.  Since this all happened we have had my sons pay check bounce back to his employer and we can’t get that money.  Cell phones have been shut off.  Car payment was late.  I have had to pawn my grandmother jewelry, my jewelry and other items in my house just to pay bills and put groceries in the house.  I also have had a XXXX XXXX due to all of this cause of all of the stress.  I do not have the money to hire an attorney to file a suit against Suntrust.  Everyone has been extremely rude. I have been yelled at and treated like a criminal instead of the victim in this situation.  I had written a check for XXXX work that has bounced and now my XXXX   won’t touch my XXXX.  I also lost a brand new job cause my car was repossessed and I didn’t have transportation to work.  Suntrust has put my family in a horrible hardship over $XXXX  freeze of my accounts! That happened on XX/XX/2019.
Consumer complaint received 2016-10-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

I have contacted this company several times as they are reporting my closed student loans with XXXX/XXXX/ and dept of ed closed with XXXX balance which should be showing in good standing on my report. instead they are showing negative on my report. They are being held against me even though the debt has been satisfied and should be reporting positively
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I noticed my checking had a withdrawal that I did authorize to Experion Credit Reporting. I called them immediately and told them that I never contracted with them nor ever received a credit report from them. They stopped the payment but told me that they have been taking the {$25.00} every month since XXXX. It 's an account I rarely use and keep little money in so I did n't realize it right away. I was told that someone named XXXX XXXX had been receiving credit reports, so I asked for her information to have her prosecuted. I was told to contact Experion 's Consumer Relations Group for this information. I contacted them in XXXX XXXX requesting a credit report and a refund. I received a credit report but no written response. I again wrote them XX/XX/XXXX ( sent return receipt, which they signed for ) and received no response. I believe they hope I will go away. I way be a victim of fraud and they do n't seem to want to take responsibility for that. Also, I never contracted with them, received no services from them and they benefited approximately {$900.00} of my money ( {$24.00} from XX/XX/XXXX to XX/XX/XXXX ) I believe this needs to be investigated and hope you can help me with this situation.
Consumer complaint received 2022-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc. (DE)

We emailed and spoke to Tesla finance and they did not resolve our issue. They do not have our loan balance on our monthly statements. You have to call each time you want to know what your account balance is. When you call they have you leave a voice mail and will return your call later. They will also not allow us to pay extra each month on our monthly loan payment. You can only pay the monthly contractual payment.
Consumer complaint received 2022-10-15
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. (FL)

On XX/XX/2022 I sent to Equifax a letter outlining ALL accounts in violation of federal law. After waiting for a response from Equifax, and giving the company the lawfully allotted time to respond, I never heard back from Equifax. I then filed a dispute with the company through The CFPB portal on XX/XX/2022 again expressing my distaste for the situation they were taken me through pertaining to not deleting and blocking the fraudulent and erroneous accounts after being notified by not just me but by the FTC. I included in this my drivers license for proof of my address as I do not have bills at the moment to prove this otherwise so this had to suffice, FTC report and my social security card for proof of identification. After Equifax responding to the CFPB complaint made by me they assured me that they had removed the item from my credit report and blocked it from ever reporting again ( verbatim " A summary of the results are listed below : Collection : COLLECTION BUREAU OF FWB THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. " ). This can also be seen in the complaint for proof. When I checked my Equifax credit report the other day the negative item was still reporting! I called in to Equifax XXXX XXXX XXXX PM and informed the representative of my issue with the reporting on my credit profile and what I had been through in dealing with these fraudulent accounts. She informed me that the account had in fact been deleted but were added back due to some odd reason. I then told her that adding a fraudulent account back that had been deleted was illegal and I desired to speak to a higher tier employee she told me that none were available but would call me back. I have yet to receive that call. This is my final attempt to rectify this issue or I will sue for defamation of character as well as other stressful emotions and frustrations caused by your negligence and willfulness to continue to publish and report incorrect and fraudulent information in my credit file. I demand this be deleted once and for all and as I asked previously for you to block this account from ever returning to my profile.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$170.00} XXXX XXXX Balance Owed : {$240.00} SXXXX XXXX Balance Owed : {$0.00} Late open XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3400.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$3600.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX & XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$2800.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2018 my bill for XXXX dollars did not go through when it was an auto-bill. I reached out to the company and they said they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2016-12-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One month, I paid only XXXX % of my credit card bill ( due to an oversight ). Bank of America charged me interest on 100 % of the bill, rather than the 5 % I owed. This amounted to over 40 % interest in a month, or a APR of over 5500 %. 

I called to complain, and they reset it, but this is presumably happening to many BoA customers all of the time.
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I purchased XXXX custom made wedding gowns from an online retailer, this retailer not only did not make the gowns to the date promised they made them in the wrong size ( making it impossible for me to wear to my wedding but also lied to my bank so that I would lose my claim. I provided over XXXX pages of proof to my bank was still denied. I bought the XXXX gowns months apart but never saw them because they were being custom made. I paid with XXXX different cards and XXXX of them already sided with me because it is so obvious that the company is fraud. Bank of America however sided with me first then changed their mine.
Consumer complaint received 2016-05-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

My daughter was accepted to XXXX and I had to take out a Parent Plus Loan of about $ XXXX and may be co-signer for more. I did not expect to be approved as I had filed bankruptcy late 2011, but I did get approval and now it is difficult to repay the loan. I and my wife are XXXX years old and we have an XXXX adult child to care for. My child who graduated from XXXX also has even more student loan debt and not employed.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

Rocket Mortgage continues to have inefficient processes for determining the upcoming escrow dues to payable parties such as the tax collector. I received a notice of tax dues from my property appraiser 's office with XXXX potential sums, none of which add up to the total sent by Rocket Mortgage to my tax collector 's office ( they sent {$2300.00} on XX/XX/22 ). The highest amount owed to the tax collector would have been {$2100.00} ( see attachment ) -- a net difference of - {$190.00}. 

This is not the first time in which I have had to lodge a complaint against Rocket Mortgage and their inadequate escrow calculation processes. When a servicer fails to properly manage an escrow account, it creates an undue burden on the consumer. Not only do I need to take time and effort to remedy this, but an upcoming escrow analysis will clearly put me into the negatives, thereby grossly increasing my escrow payments due to the servicer each month. I believe this is an unfair practice that the client can not reasonably avoid and am citing XXXX as precedent.