davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

I have been in contact with Mohela since XXXX trying to be placed on the right repayment plan and nothing has been resolved in 7 months. This is unfair business practices. I have never had an issue like this before. I requested to be placed on the graduated repayment plan and that was denied. I spoke with a supervisor named XXXX and we worked to put loans 1 through 7 on the graduated repayment plan and loans 8 and 9 on the save plan. That was denied. I feel I am being unfairly mistreated and someone in the Mohela department is tampering with my account. Why would someone deny a request that a supervisor put in? I am never contacted and told why the requests are denied. I spoke with a supervisor name XXXX on XX/XX/XXXX and he stated that he would put all of my loans in forbearance until the issue is resolved. I received a message yesterday that loans 4 and 7 are due for repayment. I am lied to every time I call. This is extremely unfair treatment.
Consumer complaint received 2023-05-11
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. (NC)

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; Medical XXXX Balance : {$500.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (FL)

Attached please find copies of payments made to the student loan when i filed Chapter XXXX back on XX/XX/year> As you can see the Principle balance at the time was {$94.00} plus {$950.00} in interest When the student loan repayment resumed i recieved letters from Mohela with numbers that refect much higher numbers both in the principle amount and the interest which was stopped for almost 3 years during XXXX. I have been unsuccesful in trying to reach anyone by XXXX mail or phone to get these numbers corrected I am trying to attempt to resume payments but my financial situation does not allow me to pay {$880.00} a month that is requested with both my husband and i recieving Social Security The lawyer that handled ny filing suggested we contact you in the hopes of requesting accurate numbers so we can move forward i look forward to hearing from you XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (AZ)

I appreciate the prompt attention from the CFPB, and I want to acknowledge that Navy Federal Credit Union has taken corrective action by removing three out of the four fraudulent accounts previously mentioned in my complaint. However, the specific charge-off account with the amount of {$14000.00} ( Account Number : XXXX ) remains unresolved. The discrepancy in their response raises suspicion, as the removal of only XXXX out of the XXXX fraudulent accounts suggests potential selective omission. This questionable behavior leads me, as a consumer, to believe that Navy Federal may be purposely retaining one charge-off to negatively impact my credit status, keeping me classified as a subprime borrower. 

I would like to highlight that I sent formal letters to Navy Federal Credit Union via certified mail on XX/XX/year>. Despite this, Navy Federal has not provided a satisfactory resolution for the remaining fraudulent charge-off account. This ongoing lack of response and cooperation further compounds the violation of the Fair Credit Reporting Act ( FCRA ) and the terms outlined in my previous complaint.

I want to emphasize that, under the Fair Credit Reporting Act ( FCRA ), Navy Federal Credit Union is legally obligated to respond to consumer disputes within 30 days. The FCRA, in Section 623 ( a ) ( 8 ) ( D ), explicitly mandates furnishers, such as Navy Federal, to conduct a reasonable investigation and correct any inaccuracies within a timely manner. The fact that Navy Federal failed to respond to my certified mail, sent on XX/XX/year>, within the stipulated 30-day period not only demonstrates a lack of compliance with the FCRA but also triggers the provision that requires the removal of the disputed information from my credit report. This is a fundamental right granted to consumers under the FCRA to ensure the accuracy and fairness of information reported by credit bureaus. 

I urge the Consumer Financial Protection Bureau to expedite the resolution of this matter, ensuring Navy Federal 's compliance with the FCRA and the removal of the remaining fraudulent charge-off account with the amount of {$14000.00} from my credit report. I appreciate your immediate attention to this critical issue and anticipate a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NC)

I have reason to believe that Lexis Nexis is maintaining information on accounts associated with Identity Theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (MI)

I am a member of XXXX  and they continue to show me reasons why I should leave. In late late last year, I took out two small loans. The were both paid on time and paid off. They were paid off in XXXX of this year. To date, they both still are reporting inaccuracy on my credit report, as open trade lines, which they are not. I have called the XXXX XXXX, 5 times trying to resolve this but I simply get nowhere.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (IL)

I have had this account opened for nearly a year with a credit limit of XXXX XXXX The company has failed to report my credit limit with this account to the Credit bureaus. Credit limit has been marked N/A. Which in turns affects my overall creit utilization rate, therefore giving me a lower credit score. I have paid for this service for XXXX  months now with the sole purpose of having my credit line report its true limit of XXXX XXXX The company needs to update my credit limit with all 3 bureaus immediately. Or I want my money back for this line of service.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (CA)

Hello Sir/ma'am, this issue is in direct relation upon termination or closure of a checking account through contract work involving social media I completed for s client and they mailed a check. Upon becoming aware of the unexpected issue with the deposit, I was immediately consumed with a mix of confusion and concern. At the young age of XXXX, my world was predominantly framed by school, family, occasional job, and occasional freelancing work, with banking intricacies being far from my day-to-day experiences. Being a XXXX my exposure to the broader financial world was limited, and my ability to discern complex financial malfeasance was understandably undeveloped. The individual who provided the fraudulent check was someone I had completed freelance services for, in relation to social media marketing, and the work I undertook was carried out with sincerity and dedication. Given the professional nature of our interaction and the tangible services I rendered, the thought that the compensation could be anything but genuine never crossed my youthful mind. In accepting and depositing the check, I acted in good faith, based on the trust I placed in the person who I believed was compensating me fairly for my efforts. At the time of the incident, I was merely XXXX XXXX XXXX. At such a young age, my understanding of banking and financial transactions was minimal. My age made me vulnerable to such deceit, and I genuinely acted in good faith. I possess a contract between the lady who commited fraud against me, and you, that being XXXX XXXX XXXX and myself. This document outlines the nature of the work, its duration, and the agreed-upon compensation. In addition my association with NFCU is not just personal but familial. My fianc, brother, and mother have all trusted NFCU for their banking. Their enduring and positive relationship with the institution was a significant influence to bank with you. They stand by me in this situation, ready to attest to my character and our collective commitment to NFCU. Recognizing the necessity to bridge my knowledge gaps, I enrolled in financial literacy courses and financial fraud prevention measures. This proactive measure illustrates my dedication to preventing similar misunderstandings in the future and my earnest intent to grow from past experiences. Again, just to re-iterate, this was not a purposeful attempt done on my part, but was done in good faith, and since then I have refused to accept any form of payment as mentioned previously and now utilize Stripe for freelance services, and I have a career in security and tech. Based on the foregoing, I respectfully request Navy Federal Credit Union reconsider the decision in place and vacate the previous decision. See the attached documentation for reference through the government portal. I want to work with NFCU to build a relationship just as my mom, brother, and fianc have.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation (GA)

In Georgia, the lienholder must provide a certified copy XXXX prior to the car being repossessed. 

Bridgecrest must provide a copy of the last payment made by the creditor. As well as provide a copy of the Sales Auction notice which was sent to the creditor as to whether it was a Public or Private sale. 

All documentation must be provided-A debt Validation letter, the last payment made by the creditor-NOT the AUCTION Sales payment. 

Then all documentation on where the creditor was informed 10 prior to Repossession.
Consumer complaint received 2024-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Specialized Loan Servicing Holdings LLC (KY)

My wife and I recently purchased a new home in XX/XX/XXXX. We paid a large downpayment and closing costs. We then listed our old house for sale. Upon advisement from our relator and lending institution, the goal was to take the money we made from the sale of our old house and re-forecast the loan in order to get the payments lower. Our original loan was sold to Specialized Loan Servicing with our first payment due in XX/XX/XXXX. We made that payment on schedule and we sold our old house and closed on it a couple of weeks ago. We waited the five days that our bank required on the check and after it was ok, today, XXXX, I contacted SLS to see what we needed to do to re-forecast our loan and pay {$150000.00} today. After multiple attempts, cut offs and menu after menu, I finally got hold of a person, her name was XXXX. Possibly one of the rudest humans I've ever talked to. I explained to her what I was wanting to do and she transferred me to XXXX. I then explained to XXXX, what I wanted to do. He told me because they just recently bought our loan on XX/XX/XXXX, they could not do a re-forecast for 90 days, which put us in XXXX, according to him. That means we will have to make 2 or 3 months payments of {$2000.00}, before we can re-forecast. Why can't a person, who pays their bills and has a large amount of money, get their mortgage payments lowered in a timely manner? and, add to that, after talking with XXXX and XXXX, I don't have a lot of confidence that they will help me and my wife accomplish our goal of lowering our payments in XXXX and we defiantly do not want to go thru refinancing and additional closing cost.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Diversified Adjustment Service, Inc. (MI)

Cfpb only goes by what the company replies. Cfbb does not enforce the violations by Diversified Adjustment Service. They allow that company to give the same reply response Company public response Company believes it acted appropriately as authorized by contract or law Cfpb does not fix the customers complaints. They let the companies violate the law " ''
Consumer complaint received 2020-07-03
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. (GA)

I have paid this account in full and it closed. It was deleted from XXXX and XXXX. I have disputed with Experian 2 times about this account. Please delete this account from Experian.
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (PA)

I am receiving repeated calls from XXXX XXXX  regarding 2 accounts that I missed some payments on. XXXX is calling my phone repeatedly and has now started calling and leaving threatening messages on family members phones. Saying I need an attorney to handle my situation and talking about legal action.
Consumer complaint received 2024-01-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest is reporting on my Consumer Report XXXX and XXXX a po box address of XXXX XXXX XXXX XXXX XXXX XXXX. Then on the Mortgage Report which was pulled a different address and the name XXXX XXXX. 

First, XXXX did not reveal that my loan would be through XXXX or Bridgecrest. I requested Debt Validation letter which has a copy of my DOB, SSN, and my authenic signature showing I agree to contractual have a loan with XXXX Time. 

Second, an investigator called me stating she would provide proof of the Debt Validation with the contract I signed, DOB, SSN, and a contract which showed XXXX XXXX was the loan authenticator. She further stated, " We will show proof of purchase and the date your purchased the car. A payment ledger was requested for the last time they received a payment. 

Third, I requested for BridgeCrest to provide proof that XXXX was the loan origninator, provide proof of all documentation which shows my last payment for the car. 

Fourth, I requested BridgeCrest to provide proof of the car being sold at an Auction and if this account was written off as a bad debt. 

How is it possible for Bridgecrest to report to the Consumer Reporting agencies as an installment loan and a open account if the car was repossessed?

I furthermore am distressed with the Consumer Report because BridgeCrest conducted the following acts : Predatory lending practices targeting vulnerable individuals. 
Imposing unreasonable and excessive fees on customers. 
Failure to provide accurate and transparent information about loan terms and conditions. 
Engaging in deceptive collection tactics, including harassment and unfair repossession. 
Violation of consumer protection laws and regulations.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I filed a dispute for overcharging me by dumpster rental company. They provided proof of tonnage that does not have any of my info and my credit card Wells Fargo refused to investigate it and closed the dipuste because I signed a contract for the service. I tried to explain to them that the fact that you sign the contract does not mean that the compamy can charge whatever theh want.
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (NY)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY, XXXX Email : XXXX XXXX5 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of the accounts listedIMMEDIATELY!
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2024, I discovered that my XXXX XXXX XXXX  ending in XXXX was abruptly closed by Wells Fargo Bank. 

On the same date, I visited the local branch office in XXXX, Maryland and spoke with the branch banker by the name of XXXX XXXX XXXX. He told me that the XXXX XXXX XXXX was closed because I did not provide a physical address to the bank even if I have been a known customer for the past XXXX  years. 

I gave him my XXXX physical addresses ( home which they already have ) and physical business office. 

I also informed him that you do not just close an XXXX XXXX XXXX  without several customer notifications. I expressed to XXXX XXXX my concern since I had XXXX checks outstanding with the United States Department of Homeland Security which if not cleared would jeapordize the US XXXX  status of XXXX legal clients. 

XXXX XXXX escalated the matter to the next management level and I received an e-mail on XX/XX/2024 from the Wells Fargo Small Business Resolution Team. I was assigned a casse number ( Case # XXXX ). 

I contacted the Wells Fargo Business Resolution Team on XX/XX/2024 and was told that there is nothing they can do and my XXXX XXXX XXXX is permanently closed and any amounts I have in the account will be sent to me by check.

I made a strong request to atleast keep the account open and allow my XXXX checks to get paid to the United States Department of Homeland Security for rectifying the XXXX  status of my clients. The request was denied. I now have to answer to Bar Counsel as well for the callous action of Wells Fargo bank in closing the account. Wells Fargo did not care at all about placing my XXXX XXXX  clients at risk of losing legal XXXX  status in the United States.
Consumer complaint received 2023-05-11
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. (OH)

I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, AK XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}
Consumer complaint received 2022-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

In light of the announcement about student loan forgiveness, I called my servicer, Nelnet, on XX/XX/2022 to ask if I should consolidate my loans in order to qualify. I was told that it wasnt yet known if my refinanced, originally XXXX loans would be eligible or if they would need to be consolidated in order to qualify, but if it did turn out that consolidation was necessary, then I could do so at any time. 
I found on XX/XX/2022 that loans such as mine would need to be consolidated to qualify, and the XX/XX/2022 deadline had passed. I called Nelnet again that day, asking that since I had asked on XX/XX/2022 and been given bad direction, if a consolidation could be processed and back dated. I was told no, and that employees at Nelnet had been given direction to tell callers not to consolidate. Its terrible that the servicing company made the decision to direct consumers who were acting in good faith to not consolidate, causing them to lose out on loan forgiveness. I suppose in order to cut down on a deluge of paperwork? Awful experience.