davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (FL)

WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES XXXX DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS. 

ON XX/XX/XXXX, I APPLIED FOR A WELLS FARGO VISA CREDIT CARD. WELLS FARGO ACKNOWLEDGED MY APPLICATION AND DENIED MY APPLICATION BY MAKING FALSE STATEMENTS WHICH VIOLATES MY GOOD FAITH OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT. 

A ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE TOO MANY RECENTLY OPENED ACCOUNTS, WHERE I ONLY HAVE A : 1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX  THAT IS SERVICED BY XXXX XXXX XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. TWO INQUIRIES FOR HOME MORTGAGE. 

2 ) XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

3 ) XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX. 

B ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I HAVE NO BANK CARD HISTORY. WHERE THEY LOOK FOR HISTORY THAT SHOWS HOW I MANAGED CREDIT OVER TIME. 

1 ) I HAVE XXXX BANK CARDS HISTORY WITH XXXX XXXXS XXXX CREDIT CARDS. XXXX XXXX CARD WITH XXXX XXXX XXXX CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX BALANCE ZERO AND XXXX XXXX CARD WITH XXXX XXXX XXXX  CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, BALANCE XXXX. 

C ) WELLS FARGO REPORTED FALSE STATEMENTS THAT I DO NOT HAVE ENOUGH ACCOUNTS PAID AS AGREED ON MY CREDIT FILE AS THEY LOOK FOR A HISTORY OF ON-TIME PAYMENTS. I HAVE XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX, AND XXXX XXXX CARD WITH XXXX XXXX BANK CREDIT CARD ACCOUNT ENDING IN # XXXX, SINCE XXXX FOR HISTORY ACCOUNTS PAID AS AGREED. 

D ) WELLS FARGO REPORTED MISLEADING STATEMENT AS AN ACCOUNT WAS OPENED TOO RECENTLY AS THEY LOOK HOW MUCH XXXX XXXXXXXX IS TAKING ON. 

1 ) HOME MORTGAGE ACCOUNT WITH XXXX XXXX THAT IS SERVICED BY XXXX XXXX   XXXX, UNDER MORTGAGE LOAN ACCOUNT ENDING WITH # XXXX, SINCE XXXX. 

E ) WELLS FARGO REPORTED ONLY ONE TRUE STATEMENT THAT I HAVE A CREDIT SCORE OF XXXX ON XX/XX/XXXX. 

1 ) A CREDIT SCORE OF XXXX IS ONLY ACHIEVED WHEN A CONSUMER WHERE THEIR CREDIT HISTORY OF PAID AS AGREED ACCOUNTS, MORTGAGE ACCOUNTS, LOW BALANCES, LENGTH OF CREDIT HISTORY, ETC. 

IN CONCLUSION, IS WHERE THAT WELLS FARGO IS OUTRIGHT DISCRIMINATING AGAINST ME AS A CREDIT APPLICANT FOR MY NATIONAL ORIGIN, MY LAST NAME IMPLIES ITALIAN DECENT, XXXX AS A FEMALE, AND AGE, AS I AM XXXX YEARS OLD, IN REPORTING A VIOLATION OF MY RIGHTS UNDER THE CONSUMER CREDIT PROTECTION ACT AGAINST WELLS FARGO AS THEIR BASIS
Consumer complaint received 2018-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (VA)

XX/XX/XXXXXXXXXX/XX/XXXX I attended classes at XXXX university. The FTC sued this university and awarded students a settlement. Unfortunately, XXXX university has failed to erase the student debt which was a part of the settlement. The settlement also includes {$30.00} million to forgive all private unpaid student loans issued to undergraduates between XX/XX/XXXX and XX/XX/XXXX, and {$20.00} million for tuition, books and lab fees.
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RevSolve, Inc. (AZ)

I have informed both Credit Reporting Agencies on XX/XX/XXXX of the inaccuracies and have asked them to have the Collection companies remove them from my report. I explained how I had medical insurance at the time and the insurance company paid 90 % of the bills. However, they refused to pay these smaller bills claiming I had secondary insurance ( which was inaccurate ) Now, out of the 2 I sent into XXXX regarding XXXX XXXX reporting have been addressed but only 1 was removed. 

Plus, my other complaint is by filing a complaint/request with XXXX they have lowered my score by over XXXX points. I do not understand as if anything my score should be going up as nothing negative has been added and 1 negative item was removed. 

XXXX XXXX XXXX ( Collections ) XX/XX/XXXX - {$3100.00} XXXXXX/XX/XXXX - {$510.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1000.00}
Consumer complaint received 2018-11-02
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. (AL)

I have a fraudulent account on my credit report and XXXX and Equifax are CLEARLY breaking the law and I have talked to Special Handling several times and nothing has been done. I have filled out a police report and have created TWO FTC ID Theft affadavits since both credit bureaus claim that either the account number or the amount was incorrect on the account. 

I clearly asked for a Identity Theft block under FCRA 605B and neither bureau is complying, which is a violation of the law. I have sent proof of my identity, and submitted everything the law asks for in order to have this account blocked and there is no reason it should still be on my credit report. 

I have sent a copy of the FCRA law that I am referring to and it PLAINLY states that this account should be blocked. Noncompliance is a direct violation of Federal Law.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I had a credit card with Chase Bank for 1.5 years. I made a payment with the Chase App and missed 1 digit of checking account and within 30 days, without notice they cancelled my Chase charge card.

I later find out the error, and called Chase bank. The customer service representative checked my account status and payment history and were surprised that they cancelled my card without notice, or even at all. I usually made {$750.00} to {$1500.00} payments each month!

I needed this card for my employment which required me to make purchases for which I was later reimbursed.

The Chase customer service representative promised me on the phone that if I would make {$270.00} payments for 2 months, she would issue me a new card and not report the card to the Credit Bureaus.

I paid as promised keeping my part of our agreement, but did not receive a new card.

Chase also has sent this balance out for collections and??? charged off the account???

I have made numerous calls and visits in person to Chase Bank to clear this up, to no avail.

Chase did not keep their verbal agreement with me on any points : 1. Did not send me a new card, as agreed, ( the phone conversation was recorded by Chase ), 2. Chase charged off the account, 3. Chase also sent the balance out to collections, 4. Also, Chase reported the card to all 3 Credit Bureaus, 5. And greatly damaged my Credit Score, from XXXX  down to XXXX!!!

6. Since 2008 I have worked diligently to improve my credit score, and then this happens.

Solution : I want my card re-activated, so I can pay my balance directly to Chase, have a new card issued, and have Chase remove the negative reports to the 3 Credit Bureaus.
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (WY)

They reported late payment onto my Credit Report on XX/XX/2018, HOWEVER, I called on XX/XX/2018 to get it removed upon full payment of my account. She agreed to it on the phone and I paid the card in full on XX/XX/2018. 
I called on XX/XX/2018 to verify it and Fidelity Representative stated that it is true that she verbally agreed on the phone to remove the late payment on my account and ensure that it will be removed on the credit report or not be reported at all. She also stated to have had experience doing this. 

Unfortunately it did not happen and the supervisor repeatedly stated it did not matter she said that and they will not remove it.
Consumer complaint received 2018-11-02
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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (TX)

SINCE XXXX  OF XXXX I HAVE SERVED XXXX XXXX MILITARY STATUS WITHOUT INTERRUPTION AND HAVE BEEN PROTECTED UNDER THE SCRA THAT ALLOWS SERVICE MEMBERS TO HAVE FEDERAL STUDENT LOANS DEFFERED. IN XXXX OF XXXX NAVIENT DENIED MY DEFFERMENT THAT THEY THEMSELVES NOTIFIED ME WOULD BE EFFECTIVE UNTIL XXXX OF XXXX. REGARDLESS, THE SCRA STIPULATED MY PROTECTION AND RIGHT TO DEFEREMENT AND NAVIENT AGREED AND THEY ARE BREACHING THIS RIGHT. MY LEGAL REPRESENTATIVE AT THE OFFICE OF THE STAFF JUDGE ADVOCATE AT XXXX XXXX AGREES THAT I AM ELIGIBLE FOR MILITARY DEFEREMENT, SEE BODY OF EMAIL TO NAVIENT BELOW -- -> Dear XXXX XXXX , There is currently a war in XXXX and has been since XX/XX/XXXX. XXXX XXXX has been on XXXX XXXX since XXXX XXXX, XXXX. I have attached a copy of his SCRA report. I previously submitted copies of his orders. 

The applicable regulation does not require that XXXX XXXX be XXXX, just that he be serving during a war. 

34 CFR 674.34, at paragraph ( h ) states : ( 1 ) The borrower need not pay principal, and interest does not accrue, on a Federal Perkins Loan, an NDSL, or a Defense Loan, for any period during which the borrower is -- ( i ) Serving on XXXX XXXX during a war or other military operation or national emergency ... 

Please let me know if you have any questions or need further information. Please note : I am out of the office XX/XX/XXXX - XXXX. 

Best Regards, XXXX XXXX, XXXX. 
Office of the Staff Judge Advocate Chief, Client Services Division XXXX XXXX, AZ Ph. ( XXXX ) XXXX XXXX THE RESULTING DELENQUENCY HAS DAMAGED MY CREDIT REPORT WITHOUT CAUSE
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I applied for a credit card with XXXX XXXX and they use XXXX XXXX to check my credit. Despite having a FICO score of XXXX, I was denied a credit card with XXXX XXXX. 

They have asked me to contact XXXX to findout why my credit file is negative and I have received no response from them. 

Can you please help me with this matter.
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NJ)

I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX
Consumer complaint received 2018-07-23
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. (IL)

I received a XXXX back at the end of XX/XX/XXXX. At first they stated I wouldn't have to pay the loan back until starting end of XX/XX/XXXX and on the app I downloaded it stated on there as well. I got a notification that instead it was a mistake and it was adjusted to start in XX/XX/XXXX or XX/XX/XXXX on the app. I didn't receive a letter in the mail. A few weeks go by and I see an alert on my credit report stating that I was behind in payments. Yet I NEVER got anything in the mail about when payments would be do. On XX/XX/XXXX I logged on to the app and paid a payment of {$120.00} which was deducted from my bank account on XX/XX/XXXX and a few months go by and it still says on my credit report that my account is past due. I log into the app and the payment still said It was pending. It was never updated to show the true balance. I had to email moneylion customer service and they stated it would be updated in the system but it still says pending. And it reports every month as late. If I never got a statement in the mail stating by when and how much is due by a certain date how is it fair that it reports late on my credit report? I never got any type of communication with this company about it.
Consumer complaint received 2018-07-23
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)

i have tried to no avail to get these fraudulent accounts removed off of Equifax. They have a glitch in their system they refuse to fix. These accounts are not mine and i have provided my case number to my fraud account from the police. These accounts are not mine and need to be removed : 1. XXXX # XXXX 2. XXXX XXXX XXXX  # XXXX and XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXX 6. XXXX XXXX # XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX # XXXX and XXXX
Consumer complaint received 2018-04-04
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Neon Newco Corporation (CA)

On the evening of XX/XX/18 about XXXX XXXX I tried to open a savings account with my current bank of 8 months -- XXXX  XXXX XXXX. The account was approved and I XXXX from XXXX of XXXX tried to transfer XXXX from my Premiere Net Spend XXXX debit card. He informed me that the transaction would not go through because XXXX doesn't like or take that type of card from that institution. I've never run into this type of problem with my Net Spend debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. What happened next is Netspend ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. Netspend will not give it back with out XXXX writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, XXXX, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money
Consumer complaint received 2018-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (TX)

there was delay in paying quartarly charge : {$100.00} The invoice was misplaced, that is how it was delayed. 
as soon as I see new remainder I paid the due amount on XX/XX/2018 XXXX XXXX. 
Now I got a Letter from so called A.R.M solutions Inc XXXX XXXX  XXXX XXXX, CA XXXX Ph : XXXX asking me to Pay the same amount again which I paid already on XX/XX/XXXX to Original Service Provider. I have evidence of my payment to original service provider and receipt of payment is attached here. 

I called the both XXXX XXXX XXXX and also ARM Solutions each one of them are saying Talk to other party, NONE is able to resolve the issue. 
Client Acct # XXXX Agency Acct # : XXXX Client Name : XXXX XXXX XXXX  this is CLIENT for XXXX XXXX XXXX.
Consumer complaint received 2018-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (DC)

On XX/XX/2018 I received an e-letter from Nelnet regarding my income-driven repayment plan. The letter had relevant typos and incomplete/inaccurate information -- namely, the amount in which my monthly payments would be, the date they would begin at that level, and the date on which any interest would be capitalized into the principal. 

I called the customer service line on XX/XX/2018 to find out the information above. The agent read through the letter with me and said " I think what they mean is X. '' This explanation did not make sense to me and still didn't give me the information I was asking for. Regarding the date of capitalization, the agent put me on hold to ask someone else and said neither of them knew the date it would happen. 

I responded by saying those answers weren't helpful and she said " we work for the government, this is from them. '' I said, " the federal government wrote this letter? '' she said, " no, but this is coming from the Department of Education, that's just how they operate. '' It is not helpful whatsoever to 1 ) not be able to obtain the dates necessary to make payments on my loans or 2 ) hear the servicer blame " the government '' for their own mistakes or lack of competency.
Consumer complaint received 2018-07-23
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. (MD)

I was enrolled in auto-pay for my 1-01 Direct Loan - Subsidized,  which was unexpectedly and without notice cancelled on XX/XX/2018. As a result I missed my scheduled payment on XX/XX/2018 by one day. I was never notified by Navient that my auto-pay enrollment was cancelled. The Navient representative was unable to find out why my enrollment in auto-pay for that loan was cancelled.There were sufficient funds in my checking account from which I make payments on top of that. I immediately made the payment manually on XX/XX/XXXX. I set up auto-pay enrollment precisely so that I could get peace of mind when making repayments on my student loans. It is irresponsible for Navient to cancel enrollments of its customers and without notice. I receive a monthly email from them confirming payment. When I did not receive it this morning I made sure to check. Had I not checked my loan could have gone into default eventually.
Consumer complaint received 2018-04-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam, This letter is in reference to SOME BILL XXXX $ XXXX XXXX, NO ACOUNT NUMBER NO INFO JUST A COLLECTION AGENCY for services provided to NO NAMED PERSON on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$760.00} ) Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MN)

I sent letters to CIT Bank regarding 2 account that are not mines and they are reporting under my information, I have spoke to them and did a claim for both accounts and provided them with a police report. They still have not removed it from my credit report as it is negatively reporting as chargeoff, it should not be there at all as those are not my account, there are collections agencies calling me everyday about this two account which I would like to have stopped.