davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-04
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. (AZ)

In accordance with the Fair Credit Reporting Act 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  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-02
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

Navient states I am not eligible for the private loan forgiveness settlement because my private loans were in forbearance, but the qualifications state only that a person needs to have missed XXXX consecutive payments before XX/XX/XXXX, and states nothing about forbearance. I was in forbearance because they stated at the time that was my only option since I couldn't pay and if I didn't that the loans would go into default and then they could garnish wages and put a lien on my house and ruin my credit. So I was forced to go into forbearance because of their threats. Even today, XX/XX/XXXX when I tried to speak to a supervisor, she stated my loans are set to go into default next month and that they can garnish my wages and put liens on my home, which is their scare tactic. My interest rates are really large and they won't lower the rates and they refuse to acknowledge that I do qualify for the forgiveness. They harass me at least 4-5 times per day. I pulled up my payment records to Navient and it clearly shows I've missed payment numerous times and the ONLY reason I did the forbearance was due to them stating what would happen to me if I didn't and they never clearly stated the truth to me. Again, no where does it state that if your accounts were in forbearance you couldn't get the forgiveness. When I brought this up to the supervisor she then stated I didn't qualify because I had to miss XXXX consecutive payments. When I told her I missed XXXX payments she then stated I didn't qualify because of forbearance. It's not right if I don't get it when I felt pushed into forbearance in order to keep my wages from being garnished. 

I did a printout of my account with Navient and I didn't make any payments from XX/XX/XXXX - XX/XX/XXXX which is 13 months AND from XX/XX/XXXX - XX/XX/XXXX which is 9 months. The requirement for forgiveness states : " The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through Navients predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than seven consecutive months of delinquent payments prior to XX/XX/XXXX. '' It states nothing about forbearance and I definitely qualify. 

I told the supervisor that I was filing a complaint and she then told me that my account is going into default next month and she didn't think this complaint would be addressed by that time and therefore they could put a lien on my house, ruin my credit and garnish my wages. I DON'T DESERVE THESE THREATS.
Consumer complaint received 2022-10-22
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. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I am a Wells Fargo Home Mortgage customer. I have been XXXX. I use XXXX to automatically deduct mortgage payments from my bank account and have been using XXXX for many years. Thus, I barely pay attention to mortgage payments on a monthly basis other than making sure there is sufficient funds in the account to make the payment. Yesterday, when looking for tax information about my mortgage, I logged into the Wells Fargo website and noticed that I have been charged {$150.00} every month ( as far back as the record shows on the site ) for a " Late Payment ''. Thus, I started a Chat with Wells Fargo on the site. The Chat person, XXXX, looked into it and told me that I had missed an AutoPay payment in XX/XX/XXXX, so since then every month when I pay on time Wells Fargo applies that payment to the previous month 's payment and charges me a late payment. I asked why I was not contacted about this. XXXX said that they called my telephone number and emailed me. However, I had no missed calls from Wells Fargo and no emails about late payments. 
While on Chat, I checked my email. I found no email messages about a late payment. When I kept inquiring about the emails and what they would say, XXXX said, yes I was correct Wells Fargo is not allowed to say that I have a late payment in the email due to some kind of PII concerns. 
I asked, " then how would I know I have a late payment? '' He said I should have received a phone call. I never received a call so he checked the number they had in their system. At the same time, I checked the numbers listed in My Profile on wellsfargo.com. The number he had was erroneous ( starting with XXXX area code, my area code is XXXX ). I have had this exact same number since XXXX and have not changed it. I could see in the Wells Fargo My Profile that my correct number was there in 3 times : Home, Mobile, Work. But XXXX said he could not see the numbers from My Profile because their internal contact system uses different numbers from My Profile. 
I also checked the wellsfargo.com Message Center including Alerts. There were no alerts for my account ( 0 ). 
Long story short, XXXX updated my number in the system and I got a call from a lady at Wells Fargo while still chatting with XXXX. The lady said I owed over {$1000.00} in late fees. I said that now that I know I will make the missed XXXX payment and catch up but late fees should be removed. I can't see how they made any effort to contact me. She said that yes the emails they sent did not clarify that a payment was missed and no they had not made contact with me by email but I still owed late fees. I do not think it is unacceptable to charge without notification. I asked for a refund of the late fees upon successfully making a payment to bring the account up to date. She said that they could refund one month 's payment and if I had a problem with it perhaps I should contact XXXX  and CFPB. So that is what I am doing.
Consumer complaint received 2022-08-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (WI)

Re : XXXX Erroneous Notices of Delinquency from CarMax Auto Finance XXXX ; XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Although the monthly installment for my loan with CarMax Auto Finance is regularly paid each and every month, I have received four Notices of Delinquency from CarMax in the last XXXX XXXX In the XXXX instances of Carmax  sending these notices prior to the current one, CarMax eventually came to agree that the notices were in error and CarMax retracted their demand for payment of late charges indicated in the notices. Note : I acted to correct the current erroneous notice yesterday and, at this time, have no response from CarMax regarding it. 
To correct these erroneous notices, I have had to call my investment advisor who has had to call his financial service provider and request them to find the cancelled checks and fax a copy of them to Carmax. ( Please be aware that I did not receive a copy of the cancelled checks that the XXXX XXXX XXXX sent to CarMax. ) All this calling, finding and faxing is a waste of time for everyone involved. Consequently, CarMaxs erroneous Notices of Delinquency are acts of harassment by CarMax. This harassment is due to CarMaxs incompetence and failure to rectify their faulty accounting procedures. I also suspect that people who dont keep careful record of their payments could become the victim of overpayment to CarMax due to similar erroneous Notices of Delinquency. 
I am including the following documents as evidence of CarMaxs XXXX : Letters from XXXX Advisor Services and XXXX XXXX XXXX which indicate that the particular monthly installment payments which are the subject of the Notices of Delinquency were made to CarMax on my behalf. 
These letters are Dated : XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Notices of Delinquency from CarMax Auto Finance dated as indicated at the head of this letter. 
Current Account Letter from CarMax Auto Finance dated XX/XX/XXXX which indicates that CarMaxs Notice of Delinquency dated XX/XX/XXXX was in error. 
Account Payment History from CarMax Auto Finance dated XX/XX/XXXX which indicates that the XXXX Notices of Delinquency dated XX/XX/XXXX and XX/XX/XXXX were in error. Note that, with this record, CarMax acknowledges they cashed the checks sent for payment of my installment prior to their issuing of their Notices of Delinquency.
Consumer complaint received 2022-08-24
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: Justice Finance Company (TX)

In accordance with the fair credit reporting act, Justice Finance Company # XXXX has violated my rights.

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 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. 

Account name JUSTICE FINANCE COMPANY XXXX XXXX XXXX XXXX, TX XXXX No phone number available Address identification number XXXX Account number XXXX .... 
Recent balance Not reported Status Paid, Closed. 
Date opened XX/XX/2021
Consumer complaint received 2022-10-22
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: The Savings Group, Inc. (FL)

XX/XX/XXXX RATE GENIUS XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact XXXX XXXX immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

Applied for the Barclays Jet Blue Credit Card promotion offered when booking my jet blue XXXX on XX/XX/22. I was approved instantly but told that Barclays doesn't auto populate the card to allow the {$250.00} promotional credit which is clearly advertised upon applying and is the reason I applied for the credit card. I was told I would have to wait 10 days for the card to come. Meanwhile, I lose today 's offered fare promotion and have to book another flight within 90 days to receive any points or promotional credit on this credit card! 

I spoke to XXXX different managers, before i was transferred to the US where XXXX informed me that Barclays is aware of this, they have had other complaints, but unfortunately they can not provide me with anything to book my fare today. 

Deceptive advertising and practice by a Bank and Company when credit can be provided instantly with technology. 
I have a call into Barclays Presidential complaint office as well as Jet blue. This needs to be stopped now! How can these companies use such deceptive practices and get away with it!!!! 

OUTRAGED - BEWARE JET BLUE CUSTOMERS AND XXXX CREDIT CARD HOLDERS!
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I have received notifications and bad marks on my credit report from at least XXXX different collection agencies related to an XXXX XXXX XXXX  Debt that was reported to XXXX XXXX XXXX and a report filed with the FTC that it was a result of identity fraud and someone else opening this account under my maiden name " XXXX ''. I gave XXXX XXXX XXXX the proper reporting and they acknowledged that it was Fraud, however, they continue to circulate this collection through various collection agencies STILL. This has been going on for over a year and half and about every XXXX months, I get yet another notification from yet another credit collection agency that I have a debt collection. I have NEVER even had an account with XXXX XXXX XXXX. The most recent debt collection agency just sent me another letter, titled " ERC ''. The reference # for this new collection is : XXXX I have sent thru a dispute to this company, but I would like XXXX XXXX XXXX to STOP circulating this debt that was already deemed fraudulent through collection agencies. 
The account # that is associated with this debt is : XXXX. The address associated with this account is XXXX in XXXX, which is a state I have NEVER lived in, nor known anyone who has.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

I had previously submitted a complaint regarding my citibank checking # XXXX account about a year ago. They had closed my account which they told me was because I had business funds deposited into a personal account. But it was later discovered that they reported the closure as fraud and now i am unable to open another bank account else where. This was shocking and outrageous to me as I had submitted numerous documents proving that the business and the funds deposited from sba did in fact belong to me. Those documents were submitted with my last complaint. The reason for this new complaint is because after about 8 months of waiting for the balance on my account at the time of citibank 's closure to be refunded to me, I still had not received the monies or any communication from citibsnk, I reached out to them again requesting information on the whereabouts of the {$4300.00} balance in my closed checking account. They informed me that they needed me to provide my schedule c from a previous year, which I would find and email to them. When i emailed again asking the status the balance to due me since i provided them with the information they had requested from me to be able to release the funds to me, they informed me that they will not accept my schedule c, which is in fact the document they requested to be able to refund my balance to me. They gave me no explanation as to why they would not accept the document that they had requested and also informed me that they would no longer respond to my inquiries regarding this matter. I have no idea how a financial institution can legally withhold the balance of an account that THEY closed without ever even informing me that they were going to close, or giving me any opportunity to withdrawal my money before closure.
Consumer complaint received 2022-10-22
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. (TX)

To whom this may concern : I am writing this letter to dispute this debt collector off my credit report. I have reached out previously to XXXX XXXX XXXX requesting that they provide proof of validity of debt, in which they only provided a partial amount. They placed 1 items on my credit report one for the balance of {$2000.00}. These debts are not mine. I am requesting that they be removed off my credit report. 

I have enclosed the letter I sent out to the company previously and their response. I had previously filed a complaint with them to dispute the items. Please remove all three items from report they are not mine.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I was never notified by ProCollect nor XXXX XXXX XXXXXXXX XXXX that an adverse action was taken against me. I found out about the adverse action upon checking my credit report. 
This debt should not be ok my credit file. I was a XXXX XXXX XXXX XXXX which legally entitled me to be removed from the lease. I reported this issue to the property manager at XXXX XXXX XXXX in XXXX of XXXX and was advised to provide my divorce decree. I handed her the document. 
Upon checking my credit report in XX/XX/XXXX, I discovered that this charge was on my credit file, the manger neglected to remove my name from the lease. I have contacted both XXXX XXXX XXXX and ProCollect several times. Many times, my calls have not been returned from XXXX XXXX XXXX. The last time that I contacted ProCollect concerning this issue was XX/XX/XXXX. 
I have police records reporting XXXX XXXX, the divorce decree, and the lease to where I was actually living at the time that this debt occurred, which was XXXX of XXXX. 
My ex husband, XXXX XXXX was living there without me during the time that this debt occurred. Additionally he changes the locks and only XXXX XXXX XXXX and XXXX XXXX had a copy of the key. I had no access to the property. This is noted in the police record from XXXX of XXXX.
Consumer complaint received 2022-08-02
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: Cascade Capital, LLC (TN)

I sent in a dispute letter/debt validation letter to Cascade Capital Funding , LLC to validate this debt. I asked for documents/contracts bearing my signature, and dates of services. In correspondence, they corresponded with a letter including my medical records, directly violating HIPPA.
Consumer complaint received 2022-10-22
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: Entrata Inc. (FL)

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Entrata ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Entrata and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.

If you have any questions or need additional information, please contact me at address listed below.

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2021-04-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I have been fully denied all my rights as a person that had been a homeowner that had been divorced then fell to default all while the loan with wells fargo in my exhusbands name with us both as the lien holder to upon divorve decree order tried to assume and modify the loan. It was all fully backed with XXXX XXXX with specific rights that allow a divorce decree to then allow the remaining spoce not on loan to automatically assume loan as rights pertain upon the mortgage regulations stated thst Wells Fargo denied to have any type of this to have been allowed then they foreclosed upon also habing wrongfully denied my lian modification ans assumption request that also was never needed upon diborce as I had right to allow myself with divorce decree stating sole home cost as my responsibility thrn also sent Wells Fargo this decree thrn requested multiple reviews to assume or even just get forbarance in written request all denied upon my asking. This is all documented and wells fargo still dienes all of theese issues or any type of wrongdoing as they are concerned.bi have more then enough to prove this all was sone and my home foreclosed reguardles nof monthly request to assume and modify and also to pay currently due total before it was sold anyway but also denied my rights to my home to remain in my name that XXXX. XXXX specifically must have loans per divorce when spouse to take home loan can assume per court order to allow the home to be thiers. I dilled many complaints to make this right then the wells fargo bank never was able to show they ever really did any type of wrongdoing to a wrongfully foreclosing to have been deemed as having happened. This all is also based due to the issue the bank denied all required written and spoken requested assumption and dual modifications as i had a request and the bamk denied my full modification application they had been able to show they somehow dis not recieve due to missing documents they also had to now somehow get away as they denied the trueth that i have those missing documents to prove as wrll was all wrong and negligence was being the main issue as wells fargo had to allow basic XXXX XXXX loans a right to assume as the riggt of ownership thrn allows me to have been the sole person to allow automatic assumptions of loans per divorce when they also denied this multiple times as i requested. This must get correctly fixed to my loan rights have now been fully wrongly denied as they never took any responsible action to ever fix as the mortgage had my rights all in written dorm spelled out that i mever had to be a person required to thrn be applicable as they have no tight to deny this to me per XXXX XXXX rights the loan stated must be asserted.