davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I have continued to pay my private student loans on time, but my interest rate keeps increasing which has gone from XXXX in XXXX of 2022 to 12 % in XXXX. I have been working to make my payment on time and have been trying to refinance but with inflation and not having secure hours at my teaching position it has been a challenge to get the loan refinanced. However, I have asked if they have any programs which they do not, or only offer ones that only make me pay more in the long-term and they just keep increasing my rate. Not offering any information as to how high the rates can go. I did not qualify for the lawsuit because I have always been making my payments, which I have always tried to do. But if they keep raising the rate I will never be able to pay off my loan and how will I survive or work if I can not keep a roof over my head or eat? For example, my one loan was for XXXX and now it is at 12 % I currently own XXXX dollars and will never pay it off at this rate. I have asked for help or options but they offer nothing but options that cost more, or no options at all. Instead, they just keep raising the rates with no end in sight.
Consumer complaint received 2022-06-25
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. (RI)

In accordance with the fair credit reporting act these accounts have violated my rights 15 U.S.C 1681 section 602 states I have the right to privacy also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX Bank # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-06-25
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. (AZ)

There are several items wrong with my credit, There is 1 wrong employer listings that needs to be deleted 2 previous addresses that are not true and A XXXX XXXX I never signed for that needs to be deleted. I want to also validate 2 accounts and there is a charge off that is no true
Consumer complaint received 2022-07-28
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. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block an items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from my files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-20
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-20
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. (NY)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2022-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (TX)

In XXXX, XXXX XXXX XXXX issued a payment to the taxing authority in which I reside, on a non-escrowed XXXX mortgage after I had already paid the property taxes for the home in full. 

In XX/XX/XXXX I received notice from mortgage servicer that my mortgage was in an escrow deficit, and that I was to cover the amount rendered for the current taxing year, as well as cover the escrow payments for taxes and insurance for the following year, Which was to be paid out in XX/XX/XXXX. 

This raised my monthly payment from {$2000.00} a month to {$5500.00} a month with no allowance for partial payments. 

My calculated DTI for PITI was in the neighborhood {$4000.00} a {$4500.00} a month. This situation raised my financial obligations to over {$6100.00} a month. 

Furthermore, while the loan servicers statements claimed this new amount was to cover Taxes and Insurance, I later found out that they were covering only the property taxes in the newly calculated amount, as the insurance company was not paid the premium to cover the home, which created a subsequent problem in which a forced policy was applied by the lender to cover the lapse in coverage. 

This situation has yet to be resolved and has caused me extreme stress and anxiety, and I am now facing the foreclosure of my home and potential homelessness. As I am currently unemployed in the aftermath of the COVID-19 pandemic, should I lose my home it is highly unlikely that I will be able to recover and continue on as a contributing member of society.
Consumer complaint received 2022-11-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc. (TX)

I got solar panels installed and got approved for a financing loan from Tesla to pay for the panels for account XXXX. I reached out to Tesla XX/XX/2022 to see if there is a way to payoff the loan faster on their website or app. Several times they responded that there is no way currently for me to do this. They said they would add a feature to allow this in the future. However, they keep pushing out the update later. Also, they said if I do make additional payments that money will not go towards the principal of the loan. It would set in my account to pay the monthly payments. 

Probably thousands of customers with a loan with them for solar panels and self storage batteries will accrue interest on their loan with no definite date to add this feature or a way to pay off the loan faster. Furthermore, the loan shouldn't have a pre-payment penalty and I believe it is illegal to have one for a loan. Pre-payments are not possible since all extra payments don't go to the principal or their system doesn't allow this. 

Lastly, I don't get monthly statements and my online account don't state anything about my payments or how much is left on the principal of the loan. I think this is illegal since companies are required to notify the payee about this amount.
Consumer complaint received 2022-09-20
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4300.00} ; US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-06-25
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TN)

I traded my n my XXXX XXXX to XXXX XXXX  in XXXX tn for a new wago and they had some kind of internal issue which I spoke with XXXX and numerous managers about and somehow it fell through the cracks and they failed to pay my XXXX off which we had a load through ally still and it was reported on my and my husbands credit as late/delinquent because it took them over a month to pay it off all while they had it listed on their site to sell. We had been with ally for many years on several different loans and NEVER been late on a single payment in my life. Ive priced myself on my credit and this has completely and unfairly effected my ability to purchase a home. We work very hard and have XXXX children we support and this is WRONg that we are being penalized for their error of not paying off the vehicle to slip through the cracks when we were paying in a new vehicle. After numerous phone calls they finally paid it off and then I got another statement that there was a balnce of {$18.00} that still wasnt paid off which we just took care of because we didnt want any further damage to our credit
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (UT)

This is a complaint with Chime Banking. I've have yet receive my XXXX check and they are saying that they haven't receive it from XXXX. I've emailed them a copy of the paper I received from XXXX saying that Chme has processed and receive the deposit and It has never went in my account. So now I'm at {$800.00} for late fees for rent. Where I'm at cause of Chime not putting my money in my account.

Chime is supose to put my money in on the 3rd of every month and I've yet seen any deposits in my account sense. The only one I receive was the one in XXXX and that was a reissued 0ne. 

Thank You Very Much
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights to privacy.

15 U.S.C.1681 section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$92.00} Highest Balance {$92.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (NC)

On several occasions I have reached out to Credit Karma to resolve a issue of money taken from my checking out via debit. On XXXX occasions I received conflicting replies On XX/XX/XXXX XXXX response stating, this was a check purchase at the store using my checking information which was false. On XX/XX/XXXX second response they indicated that the money was credited back to the company who deposited the funds which was false. On the third attempt to rectify the problem Credit Karma stated that the XXXX XXXX machines was not working so it debited the transaction out at a later date which is false. I went to the store in question and asked them XXXX of the XXXX questions and they stated first that they do not except checks unless you have proper ID, Second answer to question was the transaction will not go through if there is a malfunction with reading the card. I have proof of transactions made on specific dates. I asked for specific proof of purchase and the issue still have not been resolved as of XXXX XXXX. 

XXXX XXXX.
Consumer complaint received 2022-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (KY)

I started a balance transfer online with Citi on XX/XX/XXXX for the amount of {$1500.00}. The money was supposed to be transferred to my XXXX XXXX XXXX XXXX XXXX card. However the transfer never completed to my XXXX XXXX card. when I reached out to Citi on XX/XX/XXXX they opened a dispute and credited the transfer back to my account. But on XX/XX/XXXX they reversed the credit and put the balance transfer back on my account and closed the dispute. The money was still not on my XXXXXXXX XXXX On XX/XX/XXXX I opened another dispute and the amount was credited to my account but on XX/XX/XXXX the reversed the credit again and closed my dispute. The money was still not on my XXXXXXXX XXXX  account. I had called multiple times after that talking to multiple departments trying to resolve the problem and find out where the money went. Also calling the bank the money was supposed to be transferred to multiple times. Citi kept giving m a confirmation letter with a customer iD and trace ID but the transfer said it went to XXXX XXXX XXXX. Multiple time we checked to credit card number to make sure they matched and the did. No one could tell me how to reach XXXX XXXX XXXX, I tried multiple times to find different numbers on the internet and no one could help me at XXXX because I didn't have an account there. 
I have reached out to Citi several times since but I have no resolution and lots of frustration and I am still missing {$1500.00}. I am already repaying that amount to Citi and still it was not credited to my XXXX XXXX card. The last several times I have reached out to Citi the would not open another dispute and said there was nothing they could do. I do not understand how they can send money somewhere that the transaction was never completed, but they couldn't just cancel the transaction. Which I asked multiple times to just cancel the balance transfer since it did not reach the destination. They still said there was nothing they could do.
Consumer complaint received 2022-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Conn's, Inc. (AZ)

Hello, I have been a victim of identify theft with Conns Corporation since 2019 and have attempted to dispute this debt with XXXX three times now that shows up as a derogatory closed account on my credit report. 
I have asked numerous times that they provide me with the steps they took in validating this debt, proof of original contract with my signature, and the steps they took under 15 USC 1581 to provide me with documents and the steps they took for the required reinvestigation. I have even supplied them with a copy of my IDtheft.gov claim number and file which clarifies this contract was fraudulent, security footage shows I never was in the store on the date which this contract was signed, and they can not provide a signature that is accurate and matches my own on this fraudulent charge. I have received a bill, but never an original contract which proves this was not identity theft and fraud. A man signed this account under my name and social which was never granted and a police report was even opened, which XXXX refuses to provide me with the original contract and loan validation that proves I was in fact, the person who agreed to this account, in store as stated by Conns where the contract was signed. I can not allow this fraudulent account to remain on my credit report and will seek out legal representation if it comes to such measures to prove I was never the individual to agree to this contract or apply for such. Thank you.
Consumer complaint received 2022-05-27
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: ALLY FINANCIAL INC. (AZ)

To whom this may concern, From XXXX XXXX XX/XX/2021 I had numerous unauthorized & unrecognized inquires. I am requesting these items be deleted to correct the information. Please investigate this matter and delete the disputed items as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

I purchased a U.S. Bank National Association XXXX XXXX XXXX for {$100.00} at XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, AZ. When my niece went to use her graduation gift card a few weeks after I purchased it, she kept getting an " invalid card number '' from the site she was attempting to purchase from. She tried calling the XXXX service number on the back of the card for help. The recording stated they were having a large call volume and to call back another time. The call was then disconnected. She mailed it back to me and I tried calling the number as well. I got the same recording and disconnect. I tried calling several days in a row and continued to get the same recording no matter which option I tried. I was unable to get in touch with anyone at the number listed on the card. However, I found an article online that discusses this same scenario happening in 2015 with compromised U.S. Bank National Association XXXX XXXX sold at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in AZ, is a sister company of XXXX. I attempted to speak with the XXXX at the location on XXXX XXXX where I purchased the gift card. She said she didn't know anything about it and there was nothing they can do as gift cards are non-refundable. I get that but why is XXXX still selling these compromised cards 7 years after it was brought to their attention? These cards should be removed from the XXXX  shelves until U.S Bank figures out how to handle the compromise.
Consumer complaint received 2022-06-25
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. (NY)

USING XXXX DISCRIMINATORY AND REDLINING PRACTICES TO HIGHLIGHT NEGATIVE AND DEROGATORY INSTANCES IN ORDER TO ASSURE THAT CREDIT DENIAL IS THE OUTCOME FROM BANK AND LENDING INSTITUTIONS.