davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Reliant Capital Solutions, LLC (MI)

I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.
Consumer complaint received 2017-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (ND)

I have a furniture loan with Wells Fargo. I make all my payments on line. On XX/XX/XXXX, I went on to the Wells Fargo website to check my balance and seen a payment was due ( by XX/XX/XXXX ). I made a XXXX payment thinking everything was good and the payment due by XX/XX/XXXX was taken care of. Was I wrong. On XX/XX/XXXX, I just randomly went on Wells Fargo website and checked my balance again only to find my XX/XX/XXXX payment was over due and a late fee was charged to my account. The payment I made on XX/XX/XXXX went on the previous months billing cycle. I called Wells Fargo on XX/XX/XXXX and they told me I made the payment to early yet it showed payment due. They said I should of waited till the next day to make the payment allowing the billing cycle to complete itself. How would I know that? I sent them an email with no response and they said they would refund the late fee but they still have n't. Its been over a week. I am primarly concerned with my credit report. My report is flawless. I have never had a late payment in my life. Can you help me? There number is XXXX Account number is last 4 ( XXXX )
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CA)

In XX/XX/XXXX we purchased a preowned XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX California and presuming XXXX two months later we started having lots of issues with the vehicle lots of vehicle recalls vehicle starling in the middle of the freeway and road airbag lights going off and on ignition switch authorityVehicle key falling out of the ignition switch so we had to vehicle after numerous attempts of trying to get the vehicle repaired VA dealership in speaking to the finance company we finally had the vehicle volunteer to report in XX/XX/XXXX now its XX/XX/XXXX we have been served with a summons to appear in court in XXXX of this year and we have tried to negotiate with the finance company to go down on the bill because they auction off the vehicleAs we know they should have been a violation of the lemon law since then numerous threats about selling us to court numbers harassing phone calls people saying that they have a summons and they are in attorney first appear in court
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ID Analytics, Inc. (NJ)

I attempted tp get a small loan ( + {$8000.00} ) for a used car for my son so he could establish credit. My score on the other major agencies was XXXX. This is my normal average. My credit is exemplary and I pride myself on that. 
So far I have been denies by 3 companies, the last being XXXX. It seems that a company called XXXX, XXXX has reported my credit score at XXXX and has labeled e a risk! Who is XXXX and why do they have any right to check my credit? 
This is embarrassing!!! I could easily write a check for the remaining balance nut I am trying to teach my son the value of a dollar. 
I would appreciate it if you could check out this company and what is wrong with just relying on the 3 major credit bureaus?? 
Thank you.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX XXXX my husband had i car accident they maid the car a total lost i had gap on my car just found out by Gap my car was over fiance over 150 % of the car value. Kia Finance never informed me about that information.I perches the car XX/XX/18. I was inform by XXXX XXXX ( GAP ) Company that when they did the surcharge they notice that the car was over fiance.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

I have sent numerous dispute letters to XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

I've requested for a Bankruptcy account reporting to my credit profile to be removed due to it being inaccurate and invalid. XXXX has yet to provide me proof of verification of account and continues to report this Bankruptcy account which has hindered me from acquiring credit.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (ME)

Discover Card raised my interest rate to XXXX without my knowledge or consent or for any reason. 

I wrote, called and was on a chat today XX/XX/XXXX submitting a formal request for an explanation. It was completely ignored. 

I had recently begun a program of a reduced rate of XXXX for 6 months due to a job change. I did not know it was at XXXX before around XX/XX/XXXX. I agreed to a freeze on my account and the temporary rate reduction. They were supposed to send me documentation why my rate was XXXX but never did. They also told me the freeze on my card was temporary. This was a lie. There is no guarantee my card will every be unfrozen. I have never paid late, have credit score of XXXX. 

I finally got a supervisor on chat who just kept telling me the same thing over and over about the temp interest rate and repeating what I already knew and completely ignoring my request for documentation as to why my interest rate went up from 12 to 14 % ( not sure ) in XXXX to XXXX. 

I also asked for a rate reduction. He completely ignored and just sent the same response saying my account freeze would be periodically reviewed like he was some kind of robot.
Consumer complaint received 2020-07-28
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. (NJ)

I purchased international airline tickets in XXXX for a family trip in XXXX. I purchased XXXX round trip tickets on XXXX through their booking agent XXXX  for approximately {$3600.00}. Covid hit soon afterwards and all the flights were cancelled. I tried to call XXXX and XXXX everyday to see what options were available but their lines were busy with other callers dealing with the tens of thousands of cancellations. When I did get through to XXXX 's customer Service department, they said they do not issue refunds, I would have to speak with the airline. XXXX told me that the booking agent has the money and they have to give the refund. This went back and forth so I contacted Citibank to dispute the charges to keep the merchants from getting the money since the end of the day they did not provide the services I paid for. BTW, attached are references to laws both in America and XXXX that cancelled airline tickets must be refunded. Also XXXX filed for insolvency and there is threat that XXXX may go under as well, so I would never get my money refunded anyway. Citibank after investigating the dispute awarded the charges to the merchant and I am in the process of appealing the decision, so the money is still with Citibank visa.
Consumer complaint received 2017-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

Around XX/XX/XXXX chase sent me a mortgage statement showing I was one month behind on my mortgage. Chase attached late fees and dinged my credit. I contacted chase and spoke to XXXX XXXX. XXXX said he would look into it and sent me a years worth of payment history and no missed payments shown. I contacted chase again stating what I found. No missed payments.. chase said they will look into it again chase contacted me around XX/XX/XXXX. Chase stated the payment missing is from XX/XX/XXXX?? I asked for payment history from XX/XX/XXXX. I still have n't received any information. They continue to pile up late charges and hitting my credit.. no one at chase can clearly explain this issue to me. Why after 2 years is this the first time I hear about?. I feel they ca n't clearly explain what 's going on and are just putting me off. Meanwhile my late charges are piling up and credit score is taking a hit. Please help me resolve this issue Thanks
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

Over the last year or so i have been disputing Lexis Nexis on the claim that on my public record on my credit report. They have  reported my bankruptcy on my XXXX and my XXXX credit report since XX/XX/2016 and through when i got discharge in XX/XX/2016. On my credit report listed under the public record part and it shows on my credit report that they were the source that the credit bureau receive my bankruptcy information. Recently i have disputed this with Lexis Nexis to disputed the bankruptcy and it comes back with no change at all. i disputed my public record with the credit reporting agency XXXX and XXXX XXXX stating that there  were in accuracy on the bankruptcy on my credit report and also why would a bankruptcy appear on ones credit report i thought if there were any issue on how it was put on how do we dispute this and get it remove. i reach out to the court house where my bankruptcy was done and i was told in person and they mail me a letter out that state that the bankruptcy court does not verify bankruptcy to anyone. They dont dispute bankruptcy through third party agency or through the credit bureau. Each ones bankruptcy is mask and it only shows the last 4 digit number of ones social security number. So i send off a email to pacer and they sent me email back that state pacer does not directly verify federal case information to third parties by phone fax or email. it also states this information does not included ones full social security number .All that may be accessed through pacer are the last 4 digits of ones social security number which pacer phone number is XXXX. ON my XXXX credit report it shows under public record as the court house usbkpt ct va XXXX  On my XXXX XXXX   credit report under the public record usbk court XXXX virginia. There are some issue on how this was put on my credit report and there are some other issues ON MY XXXX XXXX CREDIT REPORT IT SHOWING THE WRONG DATE FILED AND WRONF DATE PAID AND UPDATED. .ON XXXX  IT SHOWING ADDRESS ID UNDER THIS AS XXXX. THE ADDRESS ID IS NOT RIGHT.. UNDER PURSUANT TO 15 USC 1681 LEXIS NEXIS MUST IDENTIFY THE IMMEDIATE SUPPLIER OF THE INFORMATION REPORTED IN ORDER TO ACCURATE IDENTIFY THE SOURCE OF THE INFORMATION ON A CREDIT REPORT.. THE INFORMATION WAS NOT SUPPLY BY THE COURTHOUSE. AS A CONSUMER I MUST BE ABLE TO DIRECTLY DISPUTE INACCURATE INFORMATION. THIS BANKRUPTCY SHOULD BE REMOVE OFF OF MY CREDIT REPORT WITH MANY INACCURATE INFORMATION.
Consumer complaint received 2019-11-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NV)

I was involved in an online scam week and half ago involving XXXX I paid for the dog online using XXXX and a cash app. Didnt realize until after the transaction was made that this was a fraudulent transaction. I tried to resolve with my bank, Wells Fargo and they told me there was nothing that they could do, couldnt even pull up information regarding the transaction so I could make a police report and take legal action. My bank is supposed to protect any fraudulent transactions on my account And at this point there is they have told me theres nothing that they can do. I find this hard to believe. This was money I sent on my account and I am not entitled to any information regarding this? I feel like Im at a loss, and would love any help I could get. I have all the information from the breeder emails, copies of transactions, Or any other information you need.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have tried to dispute 6 dismissed bankruptcies that don't belong to me on my credit report with Equifax. Equifax claims that they verified these bankruptcies with the creditor. Equifax is the only credit bureau reporting these bankruptcies. The creditor is the US Bankruptcy Court, who DO NOT verify anything with 3rd party vendors such as Equifax. According to the FCRA, Equifax is supposed to verify accounts directly with the creditors to provide accuracy. However, Equifax says they verify account information through XXXX XXXX, which is a 3rd party vendor not the creditor. Therefore, Equifax is unable to directly verify my correct information because only partial information, such as, social security numbers are available. If Equifax can not accurately verify information from the actual creditor then they must delete these bankruptcies because they are violating my rights under the FCRA. Equifax is reporting inaccurate information that they can not legally verify. Equifax needs to delete these bankruptcies from my report immediately.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, XXXX XXXX Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) 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 For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2020-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

CHASE HAS RIPPED ME OFF, THEY CLOSED MY ACCOUNT BECAUSE I DISPUTED SOME FRAUDULENT TRANSACTIONS THAT WERE ON MY ACCOUNT. 

THEY NEVER GAVE ME MY MONEY BACK AND I HAVE TRIED TO RESOLVE THE ISSUE SEVERAL TIMES IN BRANCH. 

A MANAGER TOLD ME " HONESTLY CHASE DOESN'T WHETHER YOU MADE THE TRANSACTIONS OR NOT, THE PERSON GUESSED YOUR PIN NUMBER SO YOUR SCREWED ''. 

THIS IS UNAMERICAN, AND EXTREMELY IMMORAL. THEY KEEP SAYING THEY NEVER RECEIVED A DISPUTE EVEN THOUGH I HAVE A CFPB DISPUTE ABOUT THIS ISSUE, THEY NEVER INVESTIGATE THE CHARGES!
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

i have been watching my credit score daily for 36 months. there is no pattern to my credit score changing ... i pay cc debt to less than 30 % utilization -- credit score drops by 3 pts ( XXXX, XXXX and equifax ). i do nothing, score up 1 point. i have filed dozens of disputes - either no response or just stmt " we believe them '' but they are under no burden to provide actual data to support it. there should be a transparent credit scoring model - not just " it's complicated '' it's not. that's nonsense. do x credit score increases, do y credit score decreases ... the consumer is not protected. the agency websites are not easy to use and the disputes often aren't responded to. i want to know how score is calculated every single time and what causes it to increase/decrease -- - it's insane that the consumer doesn't have a right to this information. my credit has been ruined - i've disputed with all agencies and it takes years for them to do something besides sending a notice saying 'we got your dispute, we're looking into it. ' bad credit has prevented me from employment, insurance, home ownership, etc. this is truly criminal.
Consumer complaint received 2019-08-20
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: EQUIFAX, INC. (FL)

To whom it may concern,Please consider this letter as a formal, written grievance against the mishandling of the federal loan account ending in  XXXX and, the subsequent disputes regarding an erroneous delinquency reported to the credit bureaus, to include Equifax, XXXX   and XXXX. I implore you to review the inconsistencies within your internal emailing system and the misstatements given by your managing account specialists. Moreover, I would like to bring your attention to two phone conversations held with federal loan specialists, in which the first agent provided contradictory information to that of the 2nd representative.Initial call took place onXX/XX/XXXX at proximately XXXX XXXX. Please track sequence and review this call. Within this call, the representative scoffed at me to imply that I was lying about ever submitting a deferment.  The federal loan account specialist confirmed with upmost certainty that there was absolutely no record of Any deferment documents in her system. Her condescending tone was quite discouraging therefore, I allowed her to terminate the callWithout resolve. She advised, as you will hear from the recording, that without a confirmation email, no receipt could be verified. Later that evening, I called and advised that I would record the call for quality assurance. The call had to be transferred . XXXX (XXXX  sequence number) was gracious enough to review file. After searching multiple times, she was able to confirm my deferment documents. This leads me to believe that when the deferment was confirmed over the phone previously , that the file was mishandled, file was not denoted and I, misinformed. This has caused a great deal of emotional distress upon me. I have pleaded for assistance but, instead I’ve been ignored and bullied by the federal loan team. I have attached phone records for your reference so that you may locate calls and I have printed both confirmation emails.This is my last attempt to resolve amicably.If not able to resolve, I will retain counsel to litigate these matters. Please be advised that a copy of this letter and supporting documents will be provided to credit bureaus. Regards.
Consumer complaint received 2019-08-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NC)

Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX  extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX every day. I've told the supervisor who I originally spoke with that I'm available around XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX XXXX and left a voicemail, and again at XXXX. Yesterday (XX/XX/19) I received a call at XXXX that left a voicemail and then called again at XXXX, XXXX, XXXX, and XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.