davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (MI)

On XX/XX/2023 I submitted an Income-Driven Repayment Plan application on XXXX. XXXX shows that after reviewing my application, my monthly payment should be {$0.00}, due to having no income. It also shows that this information was sent to and reviewed by my loan processer ( XXXX  ) on XXXX XXXX, XXXX. My profile on XXXX  has never shown this updated information and instead says that I owe {$340.00} by XX/XX/2023. Over the past XXXXXXXX XXXX XXXX XXXX XXXX I have continuously attempted to contact XXXX. I have sent XXXX e-mails that never recieved a response, even though the website stated they would be responded to within 4 days. I have called multiple times and due to wait times of XXXX hours, I opted for a callback option. I recieved a callback twice and each time nobody was on the other end of the call. I finally recieved a successful callback and spoke with a representative who stated that my Income-Driven Repayment Plan wasn't fully transferred to XXXX and if it is not transferred by the due date, my payment would automatically go into forbearance and I would not be penalized for a late payment. Today is XX/XX/2023 and I see no evidence on my account of my payments entering forbearance and it appears that my payments are considered overdue and I will be penalized. I have never made a late payment and due to having absolutely no income, I can not pay {$340.00} per month. Now I have to deal with the negative effects on my credit score due to XXXX not processing a payment plan that was submitted almost 2 months ago.
Consumer complaint received 2022-07-20
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: Experian Information Solutions Inc. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$220000.00}, XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (AZ)

DSNB Macy 's is reporting a charged off account on my credit report for an authorized user account. I was not liable for this account and I demand it gets removed. I have sent credit bureau dispute letters and they are still reporting it on XXXX XXXX and XXXX. XXXX has corrected it. Thank you, XXXX.
Consumer complaint received 2020-08-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (SC)

I bought the car in XX/XX/XXXX, a XXXX XXXX XXXX. My payments were due on the XXXX of every month since purchase. All went well until XX/XX/XXXX. My auto payment was not made on XXXX. I was not made aware of this until XX/XX/XXXX. I was not aware of the auto payments not being made. I spoke with a man named XXXX a supervisor, on XX/XX/XXXX, and he made a new contract with me. He said he would put XX/XX/XXXX, and XX/XX/XXXX payments on the end of the note if I would make a payment that day. If i got the payment in before XXXX, and gave him the tracking information from XXXX XXXX, he would do his part with the 2 payments. I did this and left the requested info on his voice mail before XXXX. I thought all was good. I made another payment in XXXX on the XXXX. I spoke with another supervisor named XXXX on the XXXX. She told me she spoke with XXXX, and she would do his job for him only 14 days late. She did this only my XX/XX/XXXX payment was applied to the XXXX payment because it was the oldest payment on my account because XXXX did not do his part by moving it to the end of the note. So my XX/XX/XXXX payment was not moved also, when I made the next payment on XX/XX/XXXX, XXXX was reported 60 days late, and XXXX was reported 30 days late. If XXXX moved them on XX/XX/XXXX as agreed, no payments would be late, yet I am now reported as 60 days late in XXXX, XXXX and 30 days late in XXXX, XXXX. Not true because XXXX breached our amended contract and I performed as agreed. 
Now lets come to the next issue with FMC and payment reporting. 
XX/XX/XXXX, I made a payment to Ford around the XXXX of XXXX, XXXX. It was paid by my bank on the XXXX of XXXX. I sent in the bank statement proving this. Ford has lost this payment. Now into XXXX, XXXX. I made a payment to not go 30 days late on XX/XX/XXXX. XXXX cutoff time for crediting same-day payments is XXXX XXXX. I made the payment through western union at XXXX XXXX on Friday the XXXX. That is the XXXX day since the previous due date. But that day is not over as far as calendar days until midnight. I told ford I was not 30 days late, I was actually 29 days and 19 hours past due. They could not report me 30 or more days late. The courts have ruled those days are calendar days not business hours days. FMC is harming me once again. They lie, break agreements and do not follow the law. Their policies do not rewrite laws. I did not go 30 days passed due, that is a fact in the record. 29 days 19 hours is NOT 30 days, simple.
Consumer complaint received 2021-03-19
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. (NY)

I have submitted 6 rounds of disputes for inaccuracies on XXXX, equifax and XXXX. I have not received any results. This started on XX/XX/2020. I have demanded they remove all inaccurate information as this is hurting me financially and emotionally. I have waited 45 days between disputes to allow time for mail delivery and I am not receiving results from these disputes. I have demanded my rights for fair credit reporting.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (KY)

I have Wells Fargo credit card. 
Payment was due on XX/XX/XXXX for {$16000.00} some change As usual I have submitted payment on XX/XX/XXXX thru Wells Fargo website. The money was transferred to Wells Fargo on XX/XX/XXXX from bank to Wells Fargo as an ACH transfer. 
On XX/XX/XXXX I tried to charge {$2400.00} on credit card which was declined, after calling Wells Fargo they said they have not received money from bank thats why they put a 15 day hold then I called my bank to inquire why the money was not sent to Wells Fargo even though money was taken out of my account they said they did send the money to Wells Fargo thru ACH. 
I called Wells Fargo second time then they tell me they did receive money because of large amount they put a hold on for 15 days, I have reminded them we are not in XXXX or XXXX we are in XXXX I submitted for payment on XXXX and they submitted to my bank XXXX and my bank sent the money on XXXX. They said there is no guarantee it could take up to 30days to have access credit that has been posted to your account. 
I went ACH website it says funds are normally cleared within 3 to 5 days. 
My feeling is because I pay my Cc balance fully every month they are restricting home much I charge because they are not making any money from me using their credit card.
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MI)

Citi bank closed my account around XX/XX/2020. I had checking and saving account with balance over 80k. After I filed previous complaint at CFPB, They sent me only XXXX and refusing to release the rest of the money and refusing to discuss this matter with me. With over 100 calls and no one from Citi is able to tell what is the issue. This is complete abuse of power from the banking industry. There have been zero communication regarding this matter. They restricted my online access so Im not able to see my statement and refuse to mail them to me as well Previouse case # XXXX
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (CA)

I deposited a payroll check in the amount of {$760.00} through US bank mobile app. The first day the bank gives you {$200.00} then after the check clears you get the rest of the money. The next day I got the rest of the funds so I thought the check was good. A few days later that same week I look at my account and had a negative balance of {$710.00}. I called US bank to see what happened and was told the check had a problem so they said take the check into the bank and see if it can be resolved. The manager of the bank said the check was fraudulent. US bank closed my account and they told me I can never open an account with US bank anywhere. I asked can I talk to someone in the fraud department but they said no. Once a check goes fraud then there is nothing I can do. All I did was deposit a minimum wage check with XXXX XXXX XXXX XXXX printed on it I received from my employer. I found out that when my employer opened this account with XXXX XXXX XXXX XXXX it was a new account and had a 24 hour hold on the account. My check came in this hold period so XXXX XXXX XXXX XXXX didn't honor the check. My new employer and me wants to know where is the fraud? My name is now defamed and soon my credit and reputation will suffer. I have a new bank now in XXXX XXXX XXXX XXXX. Before I open this account I told them what happened to me with US bank making me a fraudulent customer. They thank me for my honesty and they open my account. I gave back US Bank the negative balance hoping I could save my account but to no avail. I had a hard time giving the US bank back its {$710.00} but they took it. Then I asked for my {$70.00} in my savings account and then close my account. I had a hard time getting back my {$70.00}. I have been open and upfront with honesty but now I am a fraud. I want my good name back. I also keep thinking if the payroll check was bad then why did US bank give all the funds written on the check the next day? 
Thank you
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX Fl, to Purchase a car for my son, using installment financing. When the dealership went to Equifax for my credit score, the report yielded a XXXX credit score. So I signed up for the Equifax XXXX XXXX and that report shows a XXXX Fico Score for Equifax. Not sure why there was no credit score provided to the dealer but I need this fixed immediately.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

This is a follow up to my previous compliant. Wells Fargo promised by letter to resolve the issue by XX/XX/XXXX. Today XX/XX/XXXX and I have not heard from Wells Fargo. If Wells Fargo needs more time, I should be notified by mail or in writing. 

Wells Fargo is trying to drag to the Gutter. It is a systematic method to wear me out Mentally & Financially. It is all bout race. 

Please refer to the attached letter dated XX/XX/XXXX XXXX
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (VA)

Hello, I had a wellsfargo checking account from XXXX when I closed my account. During that time I had a large amount of overdraft fees, sometimes multiple in a day, despite having enough money in the account at the time the bank authorized the transaction. I called and called and tried to get them taken off with no success. Removed overdraft protection. Still got overdrafts. I cant even count how many I had over the span of 8 years. They would take the transactions in different orders in order to get the most overdraft fees. Eventually I got a management person on the phone to explain how I was over drafting in XXXX when I opted out of overdraft protection when I opened the account in XXXX and they said they still allow authorizations through without enrolling in overdraft protection for my convenience. Ultimately I was able to get that person to make a change to my account that would not allow any transaction to go through above my balance. After 8 years I finally got what I specifically requested when I opened the account in XXXX. I closed my account months later after hearing about wellsfargo having diversity interviews with people of XXXX for jobs that were already filled. Wellsfargo has atrocious business practices.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I tried to open a savings or checkings account at Chase in XXXX XXXX. But they denied it because they another client using my ssn with a different name. It is actually a credit card and they told Chase can not freeze or cancel that persons credit card.
Consumer complaint received 2023-01-09
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. (NJ)

XXXX/Equifax/XXXX  credit reporting agency have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

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 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MD)

I noticed a charge on my card for {$190.00} from XXXX XXXX California on XX/XX/2020. I called to start a fraud claim. I didn't cancel the card then because I wanted to transfer the funds to another account. XX/XX/XXXX, my bank was closed so I transferred the funds via the website. I did not want to transfer the funds that way but had no choice. The gentleman that answered the call canceled the card and transferred me to the fraud department ; who completed my request. After filing the claim another transaction from the same company hit my card this time for {$290.00}. When I called back the next day to report it I was told it was still processing and another charge for {$98.00} was also pending from the same company. I was encouraged me to still speak with the fraud department again. I held on for three hours only for the call to be released. I attempted again today and the call was released again.
Consumer complaint received 2020-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Due to the CARES Act. I'm unable to pay down the principal balance of my student loans until the accrued interest has been repaid. Prior to the CARES Act, each payment was split between interest and principal. The onl y way to mitigate this is to release the CARES act benefits from my ac count ( administrative forbearence and 0 % interest until XXXX  ). No other loan allows the lending party to dictate payment term s after the agreement has been set while the account is in good standing. This was a cash grab by Nelnet and other student loan servicers to get their profit before a consumer gains any reward.
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (TX)

I leased a XXXX XXXX XXXX from Kia Finance. It was a three year lease due to be paid off on XX/XX/XXXX. 
I bought the car at the XXXX XXXX on XX/XX/XXXX. XXXX  XXXX gave me the loan. On XX/XX/XXXX, Kia was paid {$17.00}, XXXX and my lease was paid in full. On my most current credit report, the account shows closed instead of paid and my credit score went DOWN 11 points! I called Kia Finance and they said if you buy the car from them, they show paid but if you pay your lease in full, they show closed. I tried to buy the car from Kia but they never answered my emails. This can not be fair on a credit report. The report said you should keep your older accounts open-well, not if it's paid in full! Please help-this is totally not right to penalize a consumer for paying their bill! Thank you!
Consumer complaint received 2020-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I have noticed incorrect and/or, 3rd party notifications. With, incorrect balance ; leading to charge declines at POS. There is a wire transfer from XXXX XXXX XXXX for {$10000.00} ; from : confirmation XXXX ( XXXX XXXX acct XXXX ). This was not reported on my balance. There are many XXXX refunds totaling $ XXXX. Also, a refund from XXXX, for {$3200.00}. I have confirmation of these refunds but, they were not reported. There were incorrect charges on my recent travels, totaling $ XXXX. Covid rules, caused my trip to be stopped during a layover. I had to cancel unused trip expenses, because my airline would not allow my flight, due to Covid restrictions. 
There have been unauthorized charges of ; fees, after service ; amounting in $ XXXX dollars. This has happened while I have been travelling. Inaccurate balance notifications, during my trip has caused distress.. 

After, I reported these errors and cancellations to Wells Fargo, they advised that they will be closing my account. Please insure my deposits. I had {$50000.00} in my account in XX/XX/2020. I am always aware of my actual bank balance. I do not spend more than I have accounted. 

My Wells Fargo account number is : ( routing XXXX ; account XXXX ) Thank You, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-28
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: CITIBANK, N.A. (CA)

On XX/XX/XXXX my wife and I got married and purchased a {$3000.00} XXXX voucher for a honeymoon trip to XXXX. Shortly after, COVID-19 was just starting to takeover things in the US. We had not booked anything and thought it was too risky, and we contacted XXXX to cancel the vacation on XX/XX/XXXX. 

They promised a full refund ( provided we hadn't booked anything yet which we had not and never have ) but never delivered. 

After going back & forth with XXXX  and them lying about promising a refund, we opened a dispute with Citi cards on the credit card we used to pay for the honeymoon. 

This has been an ongoing process with Citi that is STILL on going. It feels like no one is on our side. All the rules are favored towards the merchant ( XXXX ). I'm still fighting this dispute with Citi. I have no intentions of ever paying {$3000.00} for a trip that we were never able to take. 

XXXX 's contention is that they never promised a refund to our card, but instead for XXXX credit. This is a blatant lie. I've attached our saved conversations with XXXX where they make this lie even after a rep. explicitly promised us a refund to our credit card. 

I don't know why Citi has not closed this. It seems like its a never ending process. I dispute the charge, then XXXX gets a chance to " respond '', then the process starts all over again? 

I don't know when we started the dispute with Citi but it was in either late XXXX or early XXXX of XXXX. Again, its still on going.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP (NY)

I attempted to cancel the Private Mortgage Insurance premium as my balance was lower than the percentage required. 
After being denied the ability at the branch, I was told to call. Transferred to another line, I was told to email my request which I did on XX/XX/XXXX. 
I followed up weeks later and was literally laughed at, as they had corrupted my email request in an inter-department transfer. I again emailed a new request. 
I received a denial by mail dated XX/XX/XXXX citing delinquent payments as a reason for denial. I called and confirmed that no late payments existed- the system had erroneously counted the 90 day COVID forbearance program as late- despite guarantees it would not. I had fully payed up the 90 day forbearance, and the current months payment on XX/XX/XXXX. 
After confirming I was up to date and this denial should have been an error, I again emailed a request XX/XX/XXXX. 
I again heard nothing and contacted, and was instructed to email about the error, and request reimbursement for the XXXX additional PMI payments I will have made while the delay occurred and emailed on XX/XX/XXXX. 
Yesterday on XX/XX/XXXX I contacted again, was told they havent made any progress, and would be contacted today XX/XX/XXXX. No contact had occurred and I am still unable to process my cancellation, Or the additional refund for my excess payments to PMI.