davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (IL)

I needed a small loan to keep my mortgage up to date as I was dangerously close to foreclosure, so I reached out to One Main Financial Group and got approved for a loan based on my income and assets at the time. The process was fine for a while until my XXXX Payments were discontinued and then my ex lost his job and stopped making payments of child support and alimony, that put me at quite a disadvantage financially ( - {$3000.00} ) as now I was still behind in other payments as well as the loan making less than half of what I was making before. At first I communicated my issues and tried to make up the difference but I just couldn't afford it. I was barely putting food on the table. Eventually I was served a Summons to appear in court, I attempted to file an Answer several times with the state of Illinois but they kept sending the paperwork back with no instruction of how to do it properly, I even called the Circuit Clerk and she said the E-filing system was just a tool that they offered and how to navigate it was a mystery to them. I filed at least 7 times and was rejected every time ie : one such rejection was because the file was uploaded upside down. I spent alot of money and time trying to Answer the Summons but to no avail. I mistakenly assumed that my attempts would at least be noted but in dealing with that I missed the court date and of course now in default. Now One Main is threatening to garnish my checks for an astronomical amount that exceeds the original loan. What can I do?
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (GA)

I have a Wells Fargo Home Projects Card and my normal monthly due date is XXXX of each month. 

In XX/XX/XXXX, I thought I had missed the scheduled payment that was due on XX/XX/XXXX so I submitted a payment on XX/XX/XXXX. I realized later that I had made this payment earlier in the month. Since the billing date is approximately XX/XX/XXXX for the XXXX due cycle, I called customer service and asked if it would be possible to back of the XX/XX/XXXX payment and reapply it as payment for the XX/XX/XXXX monthly. During this call I was advised they would facilitate the request. I was not told how long this would take and was unable to obtain any written confirmation, but I was assured this adjustment would be reflected on my next Statement and this would be record of the correction being made. Needless to say, that didnt happen. First I was assessed a late charge and then the XXXX statement cycle reflected I was past due. 

This prompted another call with customer service and still I was unable to get resolution. When I asked if I had to complain to the BCFP and OCC to get resolution, the customer service agent transferred me to the Executive Office. Apparently defrauding customers to meet sales targets is not the only issue that prompts this stellar organization from sending me to the damage control team these days. ( sarcasm intended here! ) Its now XX/XX/XXXX and I can only report that the late charge was reversed. Since I fear a 30 day mark will result on the " missing '' payment while I continue waiting for resolution, I decided to make a payment. ( Heaven knows I don't want to try and resolve THAT issue with this organization! ) If I knew this fraudulent organization was going to jerk me around so hard, I would never had made the request and chalked this up to a shame on me. Or even better, maybe they could have ( should have ) just told me my request was not possible. What I was hoping to be a routine customer service matter has turned into a complete fiasco. 

Their case # XXXX. 

In closing, I guess it could be worse ; I could have been a victim of ID Theft and realized a fraud deposit account had been opened there by an employee trying to make unrealistic cross-sell targets. SMH.
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

I am co signer for my daughter student loan, we have completed forbearance and deferment and they have sold the loan a total of 5 times to different collection agencies. I am XXXX years old and can not pay this. they have harassed me calling me all hours of the night and day. I have sent correspondence to cease and desist and they still call
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MN)

On Tuesday XX/XX/XXXX, I called XXXX XXXX twice in regards to changing my billing date so I would have the sufficient funds to make the payment. I talked to a regular worker for customer service and then I requested to talk to someone higher up and she gave me the same answer the previous employers told me. The latest date that they could change it to was the XXXX. I am unable to make the payments at that time because I will not have the funds to cover that amount until I receive my second paycheck for that month and the following months to come. I have been told that there is a grace period of 15 days until I am notified that I am late on the payments.The suggested that I make the payments past the due dates and it wont be marked as late. My mother, the co-signer, does not have the funds to help with the payments each month and I am in the process of trying to have her released as the co-signer. Consistent on-time payments is a large factor that is looked at when deciding to release the co-signer, and since XXXX XXXX is not willing to work with when I can pay the amount and is suggesting to make the payments past the due date, they are ruining my chances of having her released.
Consumer complaint received 2023-06-16
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: JPMORGAN CHASE & CO. (NV)

In XX/XX/2022, I purchased an airline ticket for my trip to XXXX, using a credit card. When I was about to use the return ticket to come back to USA, I found out that my father was diagnosed with XXXX  XXXX. So I stayed back and missed my return flight. I had to buy another ticket for a week later. it has been advertised and promoted as credit card key selling feature is that it covers unexpected delay related sickness of the primary cardholder or family member. After coming back while reading through card benefits page I realized i can claim reimbursement for the ticket as it fits all the conditions stated on the benefit page. I submitted my claims to their claims department in XXXX of 2022. I have uploaded all the documents and records that they have requested. I have called them several times, waited for hours to talk to claims officers, send them several messages through their claims portal but despite all that, it is still showing Pending status for almost 9 months.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/18, I went to XXXX XXXX XXXX XXXX  to pick up dry-cleaning. I paid {$79.00}. When I walked my 4 minute distance home, I discovered that not only did they not fix my zipper, but they lost my pair of pants that were {$50.00}.

I went back there to bring up the fact that they didn't fix items that I paid for, certain things weren't dry cleaned, and my pants were lost. They told me that they gave me my pants, but it must have fallen on the ground when I was walking, but that made no sense. 

I filed a claim with my bank because these are not the services I paid for, and they lost my pants. My bank denied my claim.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (GA)

Settled debt with XXXX. npas is still trying to charge the difference in the settlement. of which we do not owe. 
bill : XXXX settle pay with XXXX : XXXX npas is trying to say we owe the XXXX difference. 

attached is the XXXX paper we received for settlement. on it, i wrote date and Authorization code for when it was paid.
Consumer complaint received 2023-06-16
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. (AL)

I have been reaching out so serval months ; I have sent letters to the credit bureaus to remove these XXXX addresses and the different inquiries from my credit report, but it still needs to be done. The XXXX addresses that require immediate removal from my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX The inquiries that need to be removed from my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (KS)

Our mortgage was sold to SPServicing LLC back in XXXX. 

We were on Auto Pay for several years but in XXXX of XXXX the mortgage company stopped withdrawing the payment every two weeks. We did not know about it until they threatened us with foreclosure. We contacted them and they finally admitted that we were on auto-pay and it just stopped. We did not change bank accounts, request off of atuo-pay, nothing. We entered into a repayment program to " catch up '' and did so within 6 months. This was due to no fault of ours. 

We have since stopped auto-pay and are making bi-weekly payments equal to the amount they say is our monthly payment ( the monthly payment is {$420.00} and we are paying that twice a month ). We are still gettign calls that we are behind and when we call the say we are all caught up. 

In addition, We are in the process of buying a second house but because of the incompetence and beligerent actions of the mortgage company we are having issues gettign final approval. We have asked for a letter from them but they say that all they can send is our payment history which we have already provided. 

Their neglegence and incompetence has cost me moeny as well as stress and frustration. I am looking to find a lawyer willing to take our case and sue them for damages.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc. (WV)

My entire bank account was wiped out a day after my payday, and when I tried to dispute it through wisely, which is through XXXXXXXX XXXX XXXX they denied my dispute because they said I recognized the transaction, however, never once did I authorize a payment, let alone a withdrawal by another company.
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (TX)

The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

In accordance with the fair reporting act XXXX  Account # XXXX 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-21
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: FC HoldCo LLC (IL)

The company XXXX XXXX  appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Consumer complaint received 2023-06-16
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)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax, and XXXX are classified as consumer reporting agencies, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX XXXXer 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). See Exhibit A. XXXX XXXX XXXX  is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This is a violation as they are reporting these items without my permission. See Exhibit B for the account I, the consumer, am speaking of. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Since XX/XX/XXXX I have paid child support to XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. The account was listed as active and last accessed late XX/XX/XXXX. It has come to my attention via recent activity on my credit report that XXXX XXXX XXXX XXXX XXXX has opened a case as of XX/XX/XXXX. This means that 2 child support cases were opened and being acted upon at the same time. 

To date, I have received no information from XXXX  XXXX stating that my child support case has been closed or transferred. I ask that the XXXX XXXX XXXX XXXX XXXX item be removed from my credit report until XXXX  XXXX provides an audit of all payments received from XX/XX/XXXX to XX/XX/XXXX along with a refund of all funds collected after XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX has not provided me with official documentation detailing why this account was opened or when and how the balance was determined in the purported transfer. 

XXXX XXXX XXXX  XXXX XXXX is harming my credit report with late payments that accrued while I was unaware of these activities and still attending to the open XXXX XXXXXXXX case. This dept. is currently receiving payments. XXXX is displaying an inaccurate balance owed because my IRS tax refunds over {$2000.00} have been intercepted but it's unclear which of the open cases have collected those funds between XXXX and XXXX. In any event, there should no more than {$1500.00} owed. 

XXXX must supply any and all documentation it received from XXXX XXXXXXXX if this is a legitimate account.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/23 I was subjected to fraud. And for 3 months Wells Fargo kept constricting access to my online account. But on XX/XX/23 XXXX identified me and said that Wells is not going to shut me down. She identified me via phone and told me that I did not have to go to a branch in XXXX, CA, XXXX miles away. Wells Fargo has been going back and forth for 3 months, and just like 4 days ago XXXX said that Wells Fargo is not going to shut me down. But then today I logged into my online accounts and all of a sudden, my checking accounts a XXXX and indicates that my accounts are closed. Wells Fargo just sent me an email indicating that " YOUR NEW STATEMENT IS NOW AVAILABLE for my checking account ending in XXXX. And then Wells Fargo indicates on the email that : '' If you have questions about your account, please refer to the contact information on your statement. For questions about viewing your statements online, Wells Fargo Customer Service is available XXXX hours a day, 7 days a week. Call us at XXXX '' I then just called the number and was transferred to XXXX, and I asked her why I was being shut down when XXXX said was not? XXXX would not explain to me and I asked her please tell me what I've done wrong? She then said, we don't have a reason to closed customers ' accounts, because banks have the prerogative to closed accounts. But then when I started asking her that how can banks close accounts if it's illegal, due to no reason? She then said, since, we don't have to have a reason and you're wasting my time and then she hung up on me! My other checking account is a checking trust account for my son 's direct deposit, but it didn't matter to Wells Fargo. And to change banks for a trust checking account, it takes the XXXX 2 months to make the change to a new bank. I also asked XXXX, then what's going to happen to my balances, she said, " we'll just send you a cashier 's check. '' And she hangs up on me. Wells Fargo is not only illegal, but they are also rude and hurt so many customers and even employees. therefore, Wells Fargo is being sued by many customers, ex-employees and class action lawsuits. Wells Fargo doesn't care not even for themselves! Not even if their are being sued and have been penalized for billions of dollars. They discriminate XXXX senior citizens. They have such record, but it does not matter!
Consumer complaint received 2018-11-20
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (ND)

On XX/XX/2018, I filed a complaint against LexisNexis with the CFPB, Case # XXXX, about an erroneous reported bankruptcy appearing on my credit report. I requested they provide me with the original creditors name and telephone number, and who they spoke to that physically verified this account was indeed mine. 
On XX/XX/2018, I received a letter from LexisNexis stating they had indeed verified this account as accurate. I am writing this complaint to the CFPB to notify them that LexisNexis has violated my FCRA rights and I intend to pursue litigation against LexisNexis for monetary relief for this violation. 
In the letter sent to me, LexisNexis states they received verification of this erroneous verified bankruptcy from LexisNexis XXXX XXXX XXXX XXXX XXXX, a company which they indicate sells public records to a variety of customers, including consumer reporting agencies such as XXXX , XXXX , and XXXX . LexisNexis XXXX XXXX has no role in determining what public records relate to which consumer.

This is a violation of FCRA 611 ( 6 ) ( iii ) which I have also included in my complaint. LexisNexis did NOT verify the accuracy of this erroneous account with the ORIGINAL CREDITOR, which would be the US BANKRUPTCY COURT, but instead received it from a third party wholesaler of public records, who by the way, retrieved it from the XXXX system, which is a public records reporting system which legally in court cases has been shown to be notorious for reporting wrong information. I demand this erroneous bankruptcy be removed from my LexisNexis credit report IMMEDIATELY or else litigation for violation of my FCRA rights will be swiftly forthcoming!
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.