davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MA)

My XXXX have prevented me from working outside the home for most of my life as my XXXX  XXXX has worsened with age. I applied for discharge of my student loans because with an income of {$1100.00} per month I knew I could never repay them. Nelnet sent me a letter stating that my student loans had been discharged as of XX/XX/2019. Then on XX/XX/2019 Nelnet put these loans on my credit report showing as open and owed which dropped my FICO score by over 200 points. They insisted that I owed {$7400.00} ( almost all of which is interest ). I believe this is known as credit reporting fraud. My husband and I had a recent legal settlement and as part of receiving the settlement we agreed to move out of our home by XX/XX/2019 but the despicable actions by Nelnet have prevented us from being able to obtain new housing. I have spoken to Nelnet representatives on several occasions but they have refused to remove the misinformation they placed on my credit report. These means that my XXXX husband and I may soon be homeless and literally living on the street. 
It is clear that greedy Nelnet is doing this in order to try to trick XXXX Americans ( among the poorest people in our country ) into paying them money these poor souls don't even owe. These loans weren't on my credit report at all until Nelnet put them there through their illegal and malicious actions. No company this dishonest and lacking in ethics should ever be allowed to receive taxpayer dollars. Their corruption is an affront to America.
Consumer complaint received 2022-04-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EQUIFAX, INC. (NJ)

This creditor XXXX XXXX Account # XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2019-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (CA)

My loan was originally with XXXX which later in XXXX, 2019 got transferred to PHH Mortgage Services. 
In XXXX of 2019, my XXXX online account showed {$0.00} payment due, so I called to inquire and I was informed that I was qualified for the Federal Disaster Mortgage Forbearance and that I did not need to make payments for three months. I was also told that regular payments would resume at the end of the three months. In XXXX, 2019 I checked my online account after receiving an email from XXXX about statement availability and again, it showed {$0.00} amount payment due. Every month after that the account showed {$0.00} payment due. 
After the transfer, I tried to make my regular payment to PHH but it was rejected. When I called PHH to find out why, I was told that I owed money for six months starting from XXXX of 2019 and that there were no documents in my record about the Federal Disaster Mortgage Forbearance. Going back to contact XXXX is no longer an option. I was verbally informed over the phone with XXXX of the Federal Disaster Mortgage Forbearance, but I never received any related documents. However, I also never received any notices in any form to alert me that I had missed any payments. I had thought that my regular payments would have started again with XXXX in XXXX of 2019, but every time I logged into my account it showed {$0.00} amount due. I had no idea if it was related to the transfer or the modification I had applied for. Now, PHH is demanding {$21000.00} of back payments.
Consumer complaint received 2022-08-06
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. (CA)

In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX, has violated my rights, including reported inaccuracies to each of the three major credit bureaus.

Pursuant to15 U.S.C. 1681 Sec. 602A, states I have the right to privacy.

In addition to, 15 U.S.C. 1681 Sec 604A Sec 2, also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I have been writing complaints against Wells Fargo Bank for the last year for precatory lending tactics, harassment, discrimination, XXXX tactics and cookie cutter responses to consumer complaints. Wells Fargo has continued to lie about the situation stating that there was no proof in writing or on the recording that they claimed to have listened to that my claim is valid. They have continuously stated that I have no proof to support my accusations. However, the last two complaints that I filed contained written proof of the bank lying about all of my accusations and pretending to listen to recording which they had previously used as evidence against my case. After exposing their lies by providing written proof of their despicable XXXX, discriminating and predatory lending tactics. Wells Fargo now refuses to respond in writing to my complaint. After telling vicious lies and harassing me for a year they for a whole year, Wells Fargo Bank in now refusing to respond to my complaint. Since They can no longer tell their cookie cutter lies about my case, they are refusing to respond truthfully and settle my complaint. I need the CFPB to read my complaints and help me to stop this bank from destroying the life of their consumers and the elderly. When consumers provide the proof that Wells Fargo Bank is using unethical and illegal tactics, especially against Minorities and Senior Citizens, Wells Fargo Bank refuses to respond truthfully or make attempts to settle disputes.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to formally dispute certain information in my credit report that I believe is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft.
Consumer complaint received 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (TX)

I went online to pay my Barclaycard US bill on the day it was due. I have paperless billing. On the home page when I logged in on my personal computer, I saw a " posted transaction '' of {$29.00} for a late payment fee. When I tried to dispute the charge using the online option with the transaction, I received a pop up message that the charge was not eligible to be disputed using the form and to call. Since I was not late I immediately called the company and was told that they automatically post the fee on payment due dates and that it is automatically removed when a payment is paid on time. They also said that it was in my agreement and that the only way to avoid it was to pay before the due date. 

I checked my previous transaction history and saw XXXX additional {$29.00} late fee transactions on XX/XX/22 and XX/XX/22 in addition to the XX/XX/XXXX charge. The transaction states " on statement as LATE PAYMENT FEE ''. My due date is the XXXX of each month and my payment was made on time for both of those dates which the representative verbally validated. 

When I asked for them to show me where to see where the charges were removed or credited back, I was told that it's done automatically and doesn't show on the transactions or statements. 

The problem is that neither the fee nor the removal shows on my statement in spite of the fact that the transaction says it shows on the statement as a late payment fee. It also doesn't show as an additional transaction. 

I told the representative that if I was charged then I should also be able to see where I was credited and asked where I could find that information online or on the statement. They basically told me the system wasn't set up that way and that the late fee transactions, both charge and credit, wouldn't show up on the statements or online if a payment had been made on time, and that if it wasn't on the statement then I didn't need to worry and that it had been removed. 

They confirmed a late charge is charged and I have that documentation in the transaction but no way to confirm the charge was removed. Additionally, if they state that a transaction is on a statement in writing but verbally say it won't show if my payment is made on time, then I have no way to validate the removal of the charge. 

I can't believe it is legal to charge and credit my account without the charge and credit showing on my statement or the credit not showing as a transaction on my online account. How are they allowed to state a transaction will show on a statement and then not do it? 

When I asked for documentation of late charge removal for the three dates, they said it would take 7-10 business days to be sent to me. I shouldn't have to request documentation of a charge removal.
Consumer complaint received 2022-07-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (NC)

My CD matures on XXXX XXXX and per the letter from Synchrony Bank I can only close the account by calling them at XXXX. After providing all information ( account number, security question, last 4 digits on SSN ) they do not confirm my request to transfer funds to my XXXX XXXX checking account. This transfer has been done before with them on previous CDs. 

A phone conversation for over an hour ended with XXXX saying she had to check some information and have a " 30 minute lunch '' and would call me after that. 

There is no valid reason for the long, long phone conversation for a simple operation. To make sure all info is correct I ask them to repeat back to me to make sure it is right. This should be a simple procedure and they are making it a problem, perhaps in hopes that I will let the maturity date slip and the CD will automatically renew with them. Not a chance.
Consumer complaint received 2023-03-22
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (AZ)

I recently applied for a Citi Advantage card and was denied. The reason stated was they couldnt verify some of the information on the application. I called Citi Advantage to inquire as to what it was they couldnt verify and they were unable to give me a reason. I specifically asked if it was a credit score or income verification and they said no. I asked if the application could be reconsidered if I provided income and address info and they said no. 

We recently moved to the XXXX area and my desire to have this card is for travel purposes. My credit score is above XXXX as is my husbands. We have verifiable annual income in excess of $ XXXX and own our house outright. 

I am perplexed as to why I was denied and feel I am being treated unfairly.
Consumer complaint received 2021-04-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Millco Management (IN)

What AmeriFinancial/24 On Physicians is doing is, taking a legitimate bill and are changing the account numbers by one digit or the dollar amount by a dollar or so and resubmitting them to the credit bureaus. They will keep getting around it by changing the amounts or account numbers. 

I wake up every day and see that my disputes are successful but they turn around and change the numbers and/or amount and they pop back up again. 

The last number on the account number is an X so I dont think theyre accurate since both collection agencies are doing this. 
As you can see on the screenshots, they have a {$150.00} account and a {$55.00} account. BOTH OF THESE ARE THE SAME BUT DIFFERENT AMOUNTS. Its made to look like I have 2 accounts in collections with them when I dont. 

MY ATTORNEY HAS CONTACTED THEM AS WELL AS THE ORIGINAL CREDITOR BUT THEY CONTINUE TO HARASS ME AND DAMAGE MY CREDIT
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: EQUIFAX, INC. (VA)

N accordance with the fair credit reporting act XXXX account numbers : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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.D 1681 section 602 A. States I have the right to privacy.

15 U.S.D 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 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Dear Rep, The credit reporting agencies XXXX, XXXX, and Equifax are reporting information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. They are : XXXXXXXX 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  - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX You are required to do what I am asking and block/ delete these transactions from being reported to my consumer report. 

Thank you.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

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 accounts 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/block any accounts 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 accounts which do not belong to me or were opened without my permission. 
XXXX XXXX Bankruptcy XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} 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 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

The Wells Fargo Bank said they are going to close my account on the XXXX, I had {$5000.00} in the checking account and they have not stated why they are closing the account. Am currently in XXXX using my card and if it closes I wont have access to any funds.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORT DOES NOT RELATE TO ANY TRANSACTION ( S ) THAT I HAVE MADE ITS IS RESULT OF IDENTITY THEFT I'VE CONTACTED EQUIFAX RECENTLY ABOUT THIS MATTER I SENT IN THE FRIST REPORT FTC REPORT NUMBER XXXX ( WWW.IDENTITYTHEFT.GOV ) EQUIFAX SENT ME A LETTER STATING THAT THE FTC REPORT WAS UNVERIFIABLE SO I CALLED FTC WHICH TOLD ME THAT THAT WAS NOT TRUE SO IM RESEND MY FTC REPORT, IVE BEEN BATTLING WITH IDENTITY THEFT FOR ABOUT 2 YEARS I RECENTLY SPOKE TO A EQUIFAX FRAUD REP THEY TOLD ME THAT MY FILE MIGHT HAVE BEEN A MIX FILE, THE REP TOLD ME HE'LL FIX IT BUT STILL NO CHANGES AND IT BEEN 7 MONTHS, UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681 est seq funishers MUST INVESTIGATE DISPUTES RECEIVED FROM CREDIT REPORTING AGENCIES, IM REQUESTING A 605B BLOCK OF information resulting from IDENTITY THEFT 15 USC 1681C-2 AND 15 USC 1681S-2 ( b ) NO LATER THEN 4 BUSINESS DAYS
Consumer complaint received 2022-09-19
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. (MD)

In accordance with the Fair Credit Reporting Act 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (ND)

Our local Wells Fargo branch was closed. I decided to close my account since we no longer had a branch in the community. I called Wells Fargo on XX/XX/XXXX to close my account. I do not have check blanks for the account so I needed them to do a cashiers check. I was told it my take 10-15 days to receive my check and I may want to use an ATM. My balance in the account was {$1900.00}. I can not get that amount out of an ATM so I asked for the cashiers check. On XX/XX/XXXX I called Wells Fargo as I had not received my check yet. I was on hold for over 30 minutes and transferred 3 times only to be told that they meant to say 10-15 business days. I told them that I received a statement showing a cashiers check was cut on XX/XX/XXXX in the amount of {$1900.00} and I had not received the check yet. They told me the check had been but but had not yet been sent. It is now XX/XX/XXXX and I still do not have my check. I don't feel like it should be legal for the bank to keep my money after I close the account.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that the Credit Bureaus immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where the Credit Bureaus received such information, so I may take appropriate legal action. I have read enough regarding the FCRA section 605b and understood that the Credit Bureaus are required to remove the disputed items from my Credit File after 4 business days from the date of receipt. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-08-02
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: U.S. BANCORP (CA)

USBank sent me a letter stating that since I have been a good customer, they are increasing my credit line from {$500.00} to {$1000.00} and sent me a new card. 
Since I received the card I tried to use it to make a payment at XXXX XXXX XXXX and it would not go through. I called USBank and spoke with a representative who told me someone would get back to me because I was being " investigated '' & transferred me to another dept where I was told that XXXX was the one who had a problem not my account and I could use the card, no problem. Today I received an email from USBank alerting me that they detected suspicious activity on my credit card & to call XXXX. I called 3 times today, but each time I was on hold for 30 minutes then an automated system came on to say there was no one available and hung up. 
I have not been able to get anyone on the phone regarding this alert or use the card anywhere.