davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2020 XXXX, I noticed a fraudulent transaction in my Wells Fargo account. It was an Online BillPay transaction in the amount of {$3000.00} sent to a XXXX XXXX XXXX credit card ( last few digits available upon request as they are shown on on my transaction history ). As soon as I noticed the pending transaction, I called Wells Fargo to file a claim ( # XXXX ). Wells Fargo said it would take anywhere from 10-15 business days to process the claim. The Wells Fargo agent closed my online account and checking account and opened up new accounts for me ( new online account as well as new checking account ). On XX/XX/2020, I noticed that the {$3000.00} transaction credited to my new checking account. On XX/XX/2020, I noticed that the {$3000.00} Online BillPay to a XXXX  XXXX XXXX account had posted to my new Wells Fargo checking account, effectively removing the {$3000.00} credit ( or what seemed like a credit ). On XX/XX/2020, I received a letter from Wells Fargo requesting I fill out and return an " Affidavit of Online Fraud ''. I did so immediately. On XX/XX/2020, I called Wells Fargo to inquire about my claim and was told that the claim is currently pending. On XX/XX/2020, I called Wells Fargo to inquire about my claim and the agent I spoke with said that the claim is closed, but that there was no verdict. She mentioned that the case files said " resolution status : successful resolution '', but no determination as to whether or not the amount of the fraudulent transaction will be credited back to my account or not. Because of this lack of verdict, the agent opened up a new case for me ( # XXXX ). 

I have also filed a police report with the XXXX Police Department. The police report number is XXXX.
Consumer complaint received 2016-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

To whom it may concern, From XXXX, I attended XXXX a private college in XXXX no longer in operation. I have XXXX. I have federal and private student loans. My issues today are the private loans serviced by Navient. Recipients of private loans have no legal protection or recourse when attempting to negotiate a more favorable interest or payment plan. We are basically indentured servants to a system that enjoys protections that no other creditor is given. We can not discharge the debt in court. We can not ask for a change in terms or avail ourselves of the same options as Federal loans. There are no suspension of payments or repayment plans based on income or consolidation of multiple loans without a credit check. Navient may state that these options are available but this is not true. What Navient offers are temporary fixes that do nothing to address the real issues, high interest rates, lack of consolidation options, and a willingness to assist in a flexible change of terms so that loans can be paid off in a reasonable length of time.The interest rates charged for my private loans are 12-13 %, variable and not negotiable. The terms are 30 years. The payment has been around {$770.00} a month not counting Federal loans. I have been making payments for almost 7 years and the balance has not changed. I am allowed to ask for a limited number of forbearances ( {$150.00} a request ) but this does not stop the accrual of interest. Navient treats all loans as if they are federal when it suites them, such as grouping Federal and private loans together when setting payment amounts on household income instead of individual. I moved my Federal loans to XXXX to provide leverage when discussing my private loans with Navient. What few rights I have, I have learned to use. My loans are based on my income now, after reiterating these are private loans to the customer service staff. 
I have always paid my student loans. I am now XXXX years old and on Social Security. I see no incentive to continue paying private loans that, in essence, will never be paid off before I die. I have written to XXXX, the Ombudsman at Navient and now this agency. Please level the playing field for private loan users. I stopped taking private loans after 2 years at college when I realized what was happening. There is something wrong when 2 years of private loans have an accrued balance greater than 4 years of Federal loans. The real crime is there is not a thing I can do to pay my loans off and my only option appears to be default. Thank-you for your attention to this matter.
Consumer complaint received 2016-12-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NV)

3 years ago I was placed in charged of my Grandfathers bank accounts. He passed away a year later and everything was placed into my name from Wells Fargo. They had his assets divided into XXXX accounts and told me it was best if I did the same and only withdrew from XXXX. I noticed that everytime I with drew ( even though I made it clear I wanted a cap on what could be pulled! ) they would charge me. They opened a credit card in my name that appeared in my account suddenly and began overdrafting me from that account. Even though I clearly had enough money in all my other accounts. When I asked why they stated it would help me build credit since I am a student, but i declined! 3 times ALL my account numbers have changed now. I do n't know about banking and admit I listened to their advice! They charge me sometimes from multiple accounts several days in a row for overdrafts that I asked to pull from an account that is positive. I only own XXXX card but have things pulling from XXXX accounts, plus I was told to stay in this XXXX Savings account but do n't know why and this high yield savings account also, but do n't know why! Plus I can not understand why they unatttached my regular bank account as my back up over draft account and made it into a credit card!! I am confused. 2 weeks ago a new card appeared and I am almost out of money!! I never asked for any cards and HAD plenty of money to cover myself before I ASKED Wells Fargo to help me.
Consumer complaint received 2017-01-10
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (MD)

I returned my leave vehicle to Kia Motors in XX/XX/XXXX. Kia Motors never sent me a final invoice. In XX/XX/XXXX, I received a note Dated XX/XX/XXXX from Kia Motors Finance telling me how much I owed. That same month, Kia Motors Finance reported me to the credit bureaus as being XXXX days past due. My credit scored dropped XXXX points. I called Kia Motors and paid in full. Then on XX/XX/XXXX, Kia Motors Finance reported me to the bureaus again as being XXXX days past due even though my account was {$0.00} and closed. My score dropped another XXXX points. I called Kia Motors Finance back and they said that I just have to wait. Mind you that I need a very good credit score for my security clearance. Kia Motors Finance acted as if this drop in credit score, which was caused by the company, was not a big deal. Well, it is a big deal for me and I have no idea when my score will go back to the original score, which I monitor closely as it is a must for my employment. I filed a dispute with XXXX and XXXX and they both informed me that it is up to Kia Motors Finance to rectify the issue and that my score will most likely not go back to what it was. Now, I am stuck with a poor credit score, which puts my security clearance at risk, all the while, I owe no money to Kia Motors Finance and I never received an initial final invoice from the company. Pleas help as my employment is on the line. Thank you.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Im reaching out to file a formal complaint against Bank of America regarding their ongoing reporting of incorrect information on my credit report. Despite my efforts to dispute an auto loan account ( Account Number : XXXX ) multiple times, they have failed to fix or remove these inaccuracies. This misinformation has been damaging to my credit score and creates a false impression for potential lenders, which could hurt my financial future. Ive contacted both Bank of America and the credit bureaus repeatedly, but no resolution has been reached. Its incredibly frustrating to see this issue persist despite my attempts to address it, and its causing unnecessary stress and financial harm.
Consumer complaint received 2020-07-02
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (FL)

On or about XX/XX/XXXX I received a letter from General Revenue Corporation regarding an alleged debt. According to the letter that was dated XXXX/XXXX/2020 I was in debt with XXXX XXXX University in the amount of {$2100.00}. This amount included a collection cost of {$420.00} and the entire balance was assigned account number XXXX. Upon receipt of this letter I requested validation of this debt from GRC. I submitted multiple letters to GRC requesting further validation of the debt and my requests were received by GRC on XXXX/XXXX/20 and XXXX/XXXX/20. The letters were received by XXXX XXXX and XXXX. On or about XXXX/XXXX/2020 I received another letter from GRC that alleged to validate this debt. The letter stated that the information we provided to the consumer reporting agencies is accurate and will continue to be reported in accordance with the Fair Credit Reporting Act. Enclosed is validation to support the reported information. The letter I received on or about XX/XX/XXXX stated that I was in debt to XXXX XXXX University in the amount of {$1700.00} and this amount included a collection cost of {$350.00}. Both the total amount owed, and the collection cost were different than the original amounts alleged on the letter I received on or about XXXX/XXXX/2020. The letter suggested that it validated the original debt however the amounts owed on each letter were different. The letter I received around XX/XX/XXXX2020 that allegedly validated the debt also included a statement from XXXX XXXX University. The statement was not a contract and it also did not contain any type of identifying marks that suggested that I had agreed to this debt with the university. The statement alleged that the debt was derived from federal financial aid. I was not a student with the university during the time of the alleged debt and I am also currently enrolled in school with the University XXXX XXXX. All of my student loans with the U.S. Department of Education are in deferment status while I am a student. I am unaware of the legitimacy of this debt and have not ever been contacted by XXXX XXXX University regarding this debt or any other debt. GRC is attempting to collect an unvalidated debt and have sent numerous misleading and threatening letters in their attempt to collect this alleged debt.
Consumer complaint received 2021-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (TX)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2020-08-13
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: CITIBANK, N.A. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-10-29
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)

To Whom It May Concern, I am writing to formally request the blocking and deletion of several accounts on my credit report that are fraudulent and a result of identity theft due to a data breach. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am filing the following complaint because I am a victim of identity theft and also a victim of several data breach 's. I do not recognize these accounts, These accounts are a Fraud and must be deleted these accounts have resulted in several fraudulent inquiries and collections. I demand that these fraudulent accounts be deleted pursuant to my rights within the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION PRACTICES.
Consumer complaint received 2021-10-06
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. (CA)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I am writing to formally dispute fraudulent information on my credit report and demand the immediate deletion of all fraudulent accounts listed below. 
I have recently reviewed my credit report, and I have found several unauthorized accounts that I did not open, nor do I have any knowledge of. These accounts are clearly the result of identity theft and should be removed promptly as they are damaging my credit history. 
Details of Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$500.00} HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

I have submitted to my lender an application to prevent losing my house since XXXX XXXX the lender keeps asking for documents it does not need to make its review in order to make it impossible to apply for mortgage assistance and pursue their goal of foreclosing on my home. They are asking 22 documents including my mom 's who passed away already.
Consumer complaint received 2021-01-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SIMM Associates, Inc. (FL)

I had a XXXX XXXX credit card during my marriage. I didn't know, until I left my husband, that he wasn't making payments on any of the debt that was in my name. I was contacted by Simms Associates that my card had gone to collections and set up a $ XXXXmonth payment plan with them in XX/XX/XXXX. My divorce was finalized in XXXX of XXXX and I settled with them and paid my agreed upon debt settlement on XX/XX/XXXX. 
On XX/XX/XXXX, I began being contacted by XXXX XXXX XXXX. They were trying to collect the same debt. I contested this and explained I'd paid it. They did an " investigation, '' only to come back saying that I'd never paid off the account. 
I've been calling and emailing Simms Associates since then and have not gotten any response. 
In addition to being hounded for payment by XXXX, this is negatively impacting my credit score. 
Thank you for your help.
Consumer complaint received 2024-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I was doing a credit review of my credit, and I seen this account was opened on XX/XX/XXXX. I have been incarcerated in federal prison since XX/XX/XXXX and was just released to a halfway house on XX/XX/XXXX. I have no acknowledgment of this account or how this was opened.
Consumer complaint received 2024-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

Due to the SAVE updates in XXXX my payments increased from {$240.00} to XXXX. My taxes from XXXX were used and I lost my job in XXXX and used pay stubs to certify my income. I was advised to submit for a recalculation and used my XXXX taxes and the new total on studentaid.gov was $ XXXX I submitted on XX/XX/XXXX. I recently received my newest payment schedule updates and I do not need to recertify until XX/XX/XXXX. And Mohela still has my payments as {$550.00} and the application for recalculation is closed on the studentaid.gov site. IF I choose to recertify now when I don't have to, I will be on a processing forbearance and will be subject to interest for the 2 months it takes them to process the request. I am frustrated. I spent 6 months this year already in an unrequested forbearance BEGGING to make payments and accrued almost {$5000.00} in interest. PLEASE help fix this fiasco. I would appreciate my payments getting lowered to either the {$240.00} ( because we were all told our totals would only decrease in XXXX and mine increased ). Or the {$310.00}.
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

More than {$600.00} was taken from my Wells Fargo account that I did not authorize by way of my debit card. I personally went to one of the merchants and requested to see video of the person using the card. It was not me and I did not know the person. Wells Fargo has not reached out to the merchants as I did and request to see the same to rule out it was me using the card. Very unfair.
Consumer complaint received 2016-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AK)

Follow up to Case # XXXX against student loan provider, Navient 's, negligent, deceitful, and potentially illegal/regulatory non-compliant practices that are harmful to borrowers and destructive to fair trade. 

Complaint # 3 I have documentation and cause to suspect that Navient 's internal controls or lack of sufficient controls are in violation of revenue compliance regulations and XXXX requirements. During recent interactions with Navient while following up to my first complaint, I witnessed and discovered the following : ( 1 ) a lack of accurate and complete internal organization of my customer data, ( 2 ) incorrect or insufficient reporting to me of activities I knew from prior research Navient had administered on my account that had the potential of negatively impacting my good account standing and causing long term harm to my overall publicly reported credit worthiness, ( 3 ) insufficient employee training on how to obtain and communicate accurate and complete account information to me when I requested it, ( 4 ) improper protocol for timing and execution of data systems processes that impact revenue reporting in financial statements, ( 5 ) a massive series of emails and phone calls, separately to me and my husband, resulting from Navient controlled activities that caused me significant XXXX and possible public financial harm, either in fact or in appearance if improper negative reporting was issued to credit agencies about me ( because I still do n't know what Navient did to my accounts after I informed the customer advocate department on or around XXXX/XXXX/16 that my mother passed away that day ). 
After a series of contradicting communications from Navient via different channels, including poorly explained modifications to payment allocations in spreadsheets I downloaded from the Navient website, fluctuating information in written letters regarding my payment due dates and account status that have been delivered to me back to back within the same month, now spanning into three months, combined with conflicting and contradicting statements made over the phone to me by Navient reps attempting to explain activities on my account, to being informed that activities on my account were occurring remotely during the call and would be explained to me in a ground postal letter, that was never delivered.