davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (NY)

I contact Wells Fargo on XXXX XXXX 2017, informing them of my hardship and requested help with monthly minimum payment. The rep suggested that I could give the car back mess my credit up and still have to pay the balance. I like her know that I was able to make a payment just not the required monthly payment of {$390.00}.
Consumer complaint received 2019-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

My student loans were in default. I entered into a payment plan with Pioneer Credit Recovery. I have been faithfully making monthly payments of {$33.00}. Now my loans are out of default. I received a letter from XXXX, the Student Loan Servicer with the Department of Education. XXXX says I owe {$33.00} a month and that I am behind by {$33.00}. Pioneer is still taking {$33.00} out of my checking account and is not forwarding the {$33.00} payment to XXXX. I would like Pioneer to forward the {$33.00} monthly payments that I have been making to them and give the money to XXXX. I spoke with XXXX at XXXX and was told that Pioneer did not send the {$33.00} monthly payments to XXXX. I can be reached at XXXX. XXXX says they have not been receiving my {$33.00} payments from Pioneer.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NH)

The bank in question is XXXX XXXX D/B/A Wal-Mart Card. This card offers a promotional interest rate which I usually use for XXXX shopping. This promotional rate usually fails ( due to a complex process that is constantly under changes by the bank ) to take effect and calls and online chats with the company can usually resolve this. However, this did not work this last XXXX. I made a large purchase on Wal-Mart.com and after I was told that only in-store purchases were elegible for 0 %  interest. I at that point requested paper stetements, which I am now getting. Then they deleted all of my account history from my online account. As i did not recieve paper statements before, I have no history of my purchases. So here I pay 24 % interest until it is paid off. Today XX/XX/17 I am unable to download a PDF statement online, so I guess that is gone too. I looked this bank up on the BBB here : XXXX XXXX XXXX XXXX Here is their own summary from their page ; A+ BBB Rating System Overview Customer Review Rating : 94 % [ 30 ] Positive Reviews [ 23 ] Neutral Reviews [ 783 ] Negative Reviews [ 836 ] Total Customer Reviews [ 4,854 ] Total Customer Complaints Really? I am unable to file a BBB complaint because the page goes dead when entering the complaint process. Also somehow thay are rated A+ so there goes the BBB 's reputation. This company thought of everything. I believe they purchased this rating. All that I can do is say I am an honest person and keep my promises so I can not recommend this company because they are predatory in every way. Thank you for your time. XXXX XXXX XXXX, NH
Consumer complaint received 2024-09-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (GA)

I was a single mother buying a newly built home in XXXX XXXX Ca. I was coerced about how I was able to make down payment to the point of asking me if I knew the person completeing the loan deposit. I received no information regarding the foreclosure from Wellsfargo. I had purchased several appliciances i, e microwave, refrigerator etc and a large ceiling kitchen island light over the island dropped from the ceiling.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings (GA)

ZIONSDEBTHOL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with ZIONS DEBT HOLDINGS. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, ZIONS DEBT HOLDINGS has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (MD)

I opened a US Bank Silver Business checking account XXXX on XX/XX/year> and I had funds in the account. However some time in XXXX, US bank seems to have closed my account without my consent. Since then ( more than 1 month after the account was closed by them ) I have not received my funds back to me yet. I called them several times, but I have not received a response yet. I request them to return the fund ASAP.
Consumer complaint received 2024-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SoLo Funds Inc. (OR)

I have been trying to resolve this problem with a loan I was never able to withdraw since XX/XX/year>. I spent XXXX days trying to troubleshoot and somehow get those funds out of the digital wallet where it cant be use. You have to transfer it to your own checking account to access it. Solo funds told me it was an engineering issue and that they would fix it, but that was XXXX weeks ago and they never did. It was a {$400.00} loan that I never received a XXXX of. They assured me I wouldnt be charged the repayment, as I never got the loan out of the solo wallet. But this morning, XX/XX/year>, I was charged {$440.00}, for the loan plus a tip, and my bank cant reverse it. Solo has to cancel that transaction, but they are unreachable. Both phone numbers I was able to find go to voicemails that are full. They dont respond to emails anymore since saying it was an engineering problem, and Im now hundreds of dollars overdrawn because of them with no hope of getting my money back.
Consumer complaint received 2017-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

To whom it may concern, Please help me keep my home, I called my bank ( Bayview Loan Servicing ) asking help to modify my mortgage payment. After almost 4 months of waiting now my bank keeps telling me to wait because the investor of my loan is out on vacation.
Now that the investor came back from vacation, Bayview Loan Servicing is telling me that my modification is denied because it is not on the best interest of my investor to help me keep my home.
I asked what does that mean and they told me that they do n't want to help me modify because it is not on their best interest to help me.
Please please I am very concerned that now Bayview Loan Servicing is going to try to take advantage and take our home away. my interest rate is very high and adjustable which it seems like that 's why Bayview Loan Servicing it doing everything to deny my application.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc (PA)

XX/XX/XXXX Subject : Dispute of Inaccurate Account Information and Request for Removal AFFIRM INC This is my 2nd request to have this issue resolved I am writing to formally dispute the inaccurate reporting of my account with AFFIRM INC on my credit report. Upon reviewing the account information, I identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be removed immediately due to these reporting errors. 

Inaccuracies in Account Reporting : Prolonged Charge-Off Reporting : The account reflects a charge-off starting in XX/XX/XXXX and continuing until XX/XX/XXXX. A charge-off is a one-time event, and continuing to report this status for multiple months is inaccurate and misleading. According to the FCRA ( 15 U.S.C. 1681s-2 ), credit information must be accurate, and this misrepresentation violates that requirement.

Failure to Update After Charge-Off : The account shows a past-due balance of {$300.00} even though it has been charged off since XXXX XXXXXXXX. Un
der the FCRA ( 15 U.S.C. 1681c ( a ) ), the credit reporting agency must update account statuses to accurately reflect the account 's current status, including whether the debt has been paid, settled, or sold. This failure to update the account status causes confusion and misrepresents the status of my debt. 

Overlapping Past-Due and Charge-Off Reporting : The account reflects 30-, 60-, and 90-day past-due statuses in XXXX prior to the charge-off. However, after the charge-off, it continues to report as both past due and charged off, which results in duplicated negative information. This could unfairly harm my credit score, as past-due statuses should not continue after a charge-off has been reported. The FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to ensure accurate reporting, and this overlap is both misleading and incorrect.

Failure to Resolve Dispute : This account is marked as " under dispute, '' but the discrepancies mentioned above have not been addressed. Under the FCRA ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit bureau must investigate and correct any errors. If the information is unverifiable, it must be removed from the report. The continued reporting of incorrect information violates these standards. 

Request for Removal : Given the reporting inaccuracies outlined above, I am requesting the immediate removal of this account from my credit report. The continued reporting of incorrect, misleading, and outdated information has caused undue stress and negatively impacted my financial health. If the account information can not be verified as accurate, it must be deleted, as required under FCRA ( 15 U.S.C. 1681i ( a ) ).
Consumer complaint received 2019-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed (TX)

While enrolled as a full time college student I was suddenly struck by a vehicle as a pedestrian. 
Needless to say this caused me to withdraw from many of my courses for an extended period of time - to which I did report promptly to the governing body within the school in question concerning my need to forego a semester or two. 
The Withdrawal was misinterpreted by my institution, not as a medical necessity, but as a lack of appetite to attend & complete my degree. 
Ultimately this dispute was finally resolved within the Institution and the Medical Record, Police Record of the Actual Accident and so on were presented along with an appeal to reinstate my Academic Standing in good form. 

These proceedings did not, however, impact my Student Loan Status. As this entire process did take an extremely long time I was forced into default on the Loans. 

Now years have passed, & I have had Lien on my Tax returns each year to the tune of thousands of dollars. 

Thousands of dollars in payments towards these loans and no ability to gather any specific information about the apportionment of the monies collected to pay the loans. 

Finally I am able to receive some information after Legal Request. 

I am able to see in black and White the figures of these Thousands of Dollars of mine that have impacted this loan to no avail. 

Each payment has been deliberately been forwarded to pay interest and not one penny towards the loans Principle. 

I have more money to give these Loan Sharks - But I can not in good faith begin making any payments at reducing this loan to any degree now knowing that they are taking advantage of me to no end perpetually with not one penny towards the Principle of the Loan. 
As you may imagine, paying Interest Alone could go on forever to no end. 

This must be considered unscrupulous by anyone observing, How can an agency do something like this and escape prosecution is my question>? 

I need some help. I need some serious help on this. 

I have made every good faith effort in attempting to right this loan after having been horribly hurt in an automobile accident whereby I was a pedestrian deemed not at fault forcing me out of school temporarily. I am now needing to finish my degree, & Find that I can not due to this nonsense. 

I can see no rational path forward & only a gaping pit of despair concerning this Fraud that is occurring on my account. Please Help me restore my rights and put a permanent end to this. I have legal documentation as well as monies meant to be paid towards the loan that I will never remit now knowing that it refuses to pay principle balance. Please Advise. I need to have my account handled by an ethically bound governing body. 

I look forward to speaking with you soon.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kikoff Inc. (SC)

KIKOFF LENDING LLC Charge Card with account # XXXX opened on XX/XX/year>. This was there response nothing I asked for was done on this account per USC Law.

As a lender we must respond truthfully to the bureaus and therefore can not grant this request. We have shared the status and balance of the account and provided the options to take with the account should the consumer choose to take those actions. We have supplied documentation on the account history and have invited the consumer to contact us via email should they have any questions This company stated they want to be truthful to the bureaus, XXXX, XXXX and XXXX are agency with a XXXX # not a bureau. So this company stance is truthful to the bureaus but not truthful to the laws of the land. Please review the violations per law. This company did not reach out to me with any options. 
15 USC 1681 1681 I 1A,15 USC 1666B,15 USC 6801 ( 6802 ), 15 USC 1681 ( 602 ), 15 USC ( 604 )
Consumer complaint received 2021-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group (NC)

I received a letter from Account Adjustment Bureau Inc stating I owed them {$15000.00}. I have no knowledge of this account or dollar amount and I strongly believe it may be a fraudulent account or mixed file. I asked the collection company for debt validation and other documents presented by me including signatures stating that I agreed to pay them this amount. The collection company has failed to do so and has been repeatedly calling my phone and my place of employment harassing me.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  XXXX is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Consumer complaint received 2017-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  services is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.
Consumer complaint received 2021-01-12
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)

Please Review these Accounts that is on my credit, these Accounts are inaccurate I did not give any Authorizations on these Account. I'm a victim of Identity Theft I would Like this situation to be Resolved.. 
Thank you
Consumer complaint received 2017-07-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (IN)

Completed an international wire transfer to XXXX on XXXX/XXXX/2017 in the amount of C {$55000.00}. The amount sent in USD was {$43000.00}. Giving an exchange of rate of 1.292599. Historical data shows an exchange rate of 1.3249 on XXXX/XXXX/2017. There were no disclosures given to me our my company at the time of the exchange.
Consumer complaint received 2024-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TN)

My federal student loans taken out for the XXXX XXXX XXXX XXXX in XXXX and over the next 3 years were discharged by the Department of Education due to the misconduct of the XXXX XXXX and their parent company, XXXX. 

Some of the loans ( in the amount of {$52000.00} ) to the XXXX XXXX are private and are held by Navient. After my federal loans were discharged, I applied to have my private loans discharged by filing a XXXX XXXX XXXX application with Navient, including evidence, written statements, and my discharge paperwork from the government. 

The application was submitted on XX/XX/XXXX, they put a document in my Inbox on my account on their website on XX/XX/XXXX that said they had received my application, and I received no further word or information until XX/XX/XXXX, when they denied my application by posting a document to my inbox. They gave no reason for denying my application except to say I did not meet the requirements for discharge, though according to the Department of Education and the criteria Navient themselves list for school misconduct, I do. 

I would like to know the specific reasons my application was denied, what specific criteria they based my application denial on, and what further information Navient needs in order to approve my application.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

I retired in XX/XX/XXXX. 
I paid off this credit card company from the proceeds of my house sale. 
During the move ( XXXX ) to florida, I notice strange charges against my Barclays Bank account ending in XXXX. 
I in formerd them of possible fraud. 
They DID send me a letter agreeing it was fraud and reversed the charges. ( I still have it! ) And another a month later saying they changed their mind ( so they say, never recieved it! ) I thought I was okie dokie. 
I should have demanded to close the account right there and then. 
I started receiving bills from them that my account had Ballooned to over {$11000.00} in debt and behind in payments. 
I called, and verbally got a payment plan and asked them to look into even more fraud. 
Nothing. 
BCalled again and again verbally they agreed to a {$220.00}. A month plan for 60months and dropping late / finance charges. 
Never in writing mind you. 
Last month they charged my checking over {$900.00} AFTER I paid the agreed amount. 
I have all of the statements, letters I did recieve. 
It is my understanding that the fair credit act requires them to monitor for 7 years after first report for further fraud. 
Obviously they did not. What can I do? 
I am retired and living on a fixed income and my Checking account is almost gone. 
Please help. My credit score is junk., So I cant even get a consolidation loan. 
I own my house outright ( no mortgage. ), but I am constantly worried how to pay taxes and real estate taxes. I considered a reverse mortgage, But my COA community is not qualified for a FHA Back financial product such as that. 
Please help. 
XXXX XXXX