davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is not correct.
Consumer complaint received 2016-05-16
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Comerica (NY)

Have been using DirectExpress Card to receive XXXX. payments and have read and followed the " fine print '' only to send the pertinent information via U.S. Mail only to receive no response and for DirectExpress to be in breach of their own " terms. '' According to F.B.I. website information on debit cards that have funds deposited to them this constitutes a fraud. 
After making online transaction that the telephone check states the balance has been reflected without a HOLD. The company is stating different from what I have recorded after transaction. The company are " pulling a fast one '' on us benefit receipients.
Consumer complaint received 2020-05-28
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: CITIBANK, N.A. (CA)

I AM VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED ITEMS TO XXXX AND TO CITIT CARDS CBNA TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. THE NOTARIZED DOCUMENT WAS ALSO SENT TO XXXX AND TO CITI CARDS TO HAVE THE FRAUDULENT ACCOUNT. THE ACCOUNT AND THE CHARGES ARE NOT MINE.I HAVE NEVER OPENED THIS ACCOUNT NEVER MADE ANY CHARGES. NOW AS A CONSUMER I AM REQUESTING TO PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I MA TRYING TO BUY A HOUSE AND THE FRAUDULENT ITEM ON MY CREDIT REPORT IS GIVING ME HARDSHIP. AGAIN I HAVE SENT NOTARIZED ITEMS TO CITI AND TO XXXX TO SHOW THAT I AM VICTIM OF AN IDENTITY HTEFT, HOW FAR IS THIS TO ME.
Consumer complaint received 2020-05-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

So I was asking on XXXX if anyone is willing to sell a XXXX charm for XXXX XXXX XXXX, and I saw this guy is doing a give away on the XXXX charm. And he said he was willing to sell it through paypal, the thing is after I sent him the money via paypal he blocked me and did not give me the XXXX charm that I wanted and requested.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (FL)

I contacted First Progressive Bank and notified them that I lost my job and am experience financial hardship due to Covid-19. I requested that they not report my account as late until I could resume to make payments. They closed my account and kept reporting my account as late Due to this my credit report has suffered irreparable harm
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I tried to make a purchase on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and I have not had it approved when I had over 4- {$800.00} available on my credit card he purchase is to provide for my 2nd Amendment Rights as an enlisted serviceman I demand that this be rectified. As I believe they have an associate which had a poor relationship with me XXXX XXXX which I filed multiple EEOC compliants XXXX XXXX XXXX v. CITI. If he is interfering with my credit account he is committing a federal offense amount the others he has for his displays of blatant racism. Customer Service Rep XXXX XXXX failed to provide excellent service.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NE)

I was scammed by XXXX XXXX, I was told by XXXX XXXX and XXXX XXXX, that I won {$150000.00} but in order to release my winnings I had to send {$500.00}. I refused so XXXX said that they would see what they could do to help me out. After weeks of talking back and forth to them, on XXXX XXXX they told me that I need a bank account so that they can deposit money into my account. I went and opened a checking and savings account that day at Wells Fargo Bank, I gave them the information that they needed to deposit the money. They kept saying trust me and that I have to do what they say. On XXXX XXXX I gave them access to my online banking. On XXXX XXXX, I received an email from the bank saying I have XXXX mobile deposits {$490.00} and {$500.00} from their friend XXXX XXXX. They told me that I have to take the money out of my account and send {$500.00} to XXXX XXXX in XXXX. And send {$450.00} to XXXX XXXX in XXXX. I told them my funds were pending, they told me as soon as they are available, do as we asked you. On Saturday XXXX XXXX, I received a email saying Deposit Successful!!! So I went to the bank and withdrew {$1000.00}. Went to XXXX XXXX and sent it to them. Gave the agent the control numbers. On Monday they said as soon as they pick up the money, that my money would be on its way to my door step. Excuse after excuse it never showed up!!! On Tuesday morning I received an email from the bank saying that I was overdrawn {$990.00} and they placed a hold on my account for fraud. That the checks were Counterfeit Checks. We went and talked to XXXX at the bank, he said that they front their customers the funds as a courtesy to them. I never would of withdrew the funds if I knew that the checks had n't cleared. I feel I was deceived from my bank. I thought that they are supposed to back their customers!! That is when XXXX gave me Loss Prevention phone number. And Attorney General Office gave me Federal Trade Commission and they referred me to this office
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OK)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

On XX/XX/XXXX I received a letter from AES for me not to pay my student loan because of a new law sign by the president, due COVID 19, my interests will not gain any more, and my account will freeze. Because AES didn't communicate with the credit bureaus, all three of them XXXX, XXXX  and XXXX, my credit score went down drastically ruined my so hard to keep score. Its shows in my credit like if I haven't pay for my loan voluntarily. This need to be addressed immediately. The points the credit bureaus removed from my credit need to put back right away so I can keep on going with my normal life.
Consumer complaint received 2016-12-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (UT)

in XXXX I tried to get An afordable payment via Hardship I qualified for Thru HAMP Wells Fargo Claimed my Loan # XXXX originated in XXXX of XXXX and I could not Qualify. They Solicited That XXXX step Mod. They changed my loan Number so they would have Their deceptive Proof. They drug the process out for 4 years and tried to take my home, I had to file a petition of Bankruptcy to Stop Them. Finally in XXXX of XXXX they gave me another Payment of {$1000.00} per month. I am XXXX and only get XXXX per month. They claimed i make XXXX. They also added {$42000.00} to the end of my loan. This is all Predatory. They are nationally known as being Crooks. Why Cant YOU HELP ME?????????????????????????????????????????????????????????????
Consumer complaint received 2016-11-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A. (TX)

In XXXX 2012 I had a vehicle repossessed, which I had a loan for through PNC Bank. I received no notifications after the vehicle was repossessed as to when the vehicle was resold and the amount it was resold for. This is information as the debtor that I am due to receive according to Ohio law from the creditor. I contacted PNC Bank directly after attempting through my credit reporting agencies to have PNC Bank correct and update the information on my credit report. They have not updated the information correctly on my credit report nor have they sent me the information I requested for a copy of the resale date and amount of resale on this vehicle. I have attempted to work with PNC Bank in correcting this matter, however, they have failed to reply to my requests.
Consumer complaint received 2020-05-29
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: Nelnet, Inc. (MA)

DEPTEDNELNET reported several accounts inaccurately. The late remarks started late 90 days right after a good payment in XX/XX/2019.
Consumer complaint received 2020-05-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

I am trying to refinance my mortgage and my current mortgage company Flagstar Bank is not paying off my taxes that were due inXX/XX/XXXX They are saying that payment is not due untilXX/XX/XXXX but according to my research that is when they are considered late. I contacted Flagstar Bank about 2 weeks ago and they said that the payment was made but according to the county office it has not been processed.
Consumer complaint received 2020-05-28
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)

I had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un 2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (GA)

On XX/XX/2020 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. No reply was received back within 30 days. They have failed to validate the request of showing signed contracts or agreements with this company or signed. I haven't received a response to validation which clearly violates my rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation and reach out to the Attorney General on this matter. I urge you to take this extremely seriously as I have documented my case without error. I encourage a deletion from all three credit bureaus expeditiously.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CO)

RECENTLY I PAID OFF MY XXXX  XXXX  ACCOUNT THAT WAS ISSUED BY WELLS FARGO FINANCIAL NATIONAL BANK. UPON PAYING MY ENTIRE BALANCE OFF I PULLED MY CREDIT TO MAKE SURE THAT THE PAYMENT WAS REFLECTING CORRECTLY AND I SEE THAT THEY HAD IN THE PAST REPORTED THIS ACCOUNT AS BEING LATE FROM XX/XX/XXXX TO XX/XX/XXXX AND THIS IS 100 % INACCURATE. MY ACCOUNT WAS ENROLLED INTO A DEBT MANAGEMENT COMPANY SO THAT THEY COULD HELP ME MANAGE MY PAYMENTS DUE TO A HEALTH SITUATION THAT I ENDURED BACK IN XXXX EARLY XXXX. THIS COMPANY GOT THEIR PAYMENTS EACH MONTH. UPON CALLING THEM THEY SIMPLY SAY THEIR SYSTEM IS SHOWING THAT I WAS LATE. NO VALIDATE, VERIFIABLE PROOF JUST THEIR WORD. THIS ACCOUNT IS CLOSED WITH XXXX BALANCE, THEY GOT FULL PAYMENT AND YET THEY WANT TO KEEP INACCURATE, NEGATIVE INFORMATION REPORTING AGAINST ME. 

THE FCRA SAYS THAT ALL INFORMATION REPORTED MUST MEET 3 REQUIREMENTS. IT MUST BE ACCURATE, COMPLETE AND VERIFIABLE AND THIS DOES NOT MEET THAT REQUIREMENT. I AM NOW ASKING THAT THE CFPB STEP IN AND INVESTIGATE THIS COMPANY FOR FALSE REPORTING. I AM REQUESTING THAT ALL MENTION AND REFERENCE TO LATE PAYMENTS BE REMOVED FROM THIS ACCOUNT. IT IS NOT CLOSED WITH XXXX BALANCE AND THE LATE PAYMENTS ARE HURTING MY CREDIT RATING AND THEY KNOW THIS. DURING COVID19 I ACTUALLY THINK ENOUGH OF THEM TO PAY THE BALANCE OFF AND THEY DO THIS TO ME. ILLEGAL AND NOT RIGHT. I WILL TAKE THEM TO COURT AND SUE THEM FOR A VIOLATION OF THE FCRA AND IF I WIN THE JUDGEMENT AWARDED IS XXXX PER VIOLATION SO MORE THAN IT WOULD COST THEM TO SIMPLY REMOVE THE INACCURATE INFO.
Consumer complaint received 2019-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

My complaint is regarding the handling of my loans for the Public Service Loan Forgiveness ( PSLF ) program through FedLoan. Since my loans were transferred to them over a year and a half ago, I was told that I would be receiving information regarding a count of how many previous payments made through my old servicer ( XXXX ) would qualify for forgiveness. I have yet to hear from them regarding this count and have reached out to them on 4 separate occasions requesting an update. I have even reached out to their ombudsman group to follow up and have yet to hear anything. They have filed and completed my paperwork for IBR several times, especially when my income changes ( which increases my payment amount - and this is always done on time and quickly ). I'm not sure why it should take over a year and a half for them to give me an update regarding which of my previous payments count. This is halting my financial planning and affecting my daily budgeting. I have qualified my employment from the start of these payments ( dating back to 2012 ) but thus far, only have seen a count for 8 payments.
Consumer complaint received 2020-05-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NY)

To whom it may concern, My dedt I have with PayPal was brought by an attorney firm, which unfortunately I haven't been able to settle right away. I began receiving text messages from a company that is supposedly hired to collect for the attorney 's that brought the dedt. I called last week around XXXX XXXXspoke to a gentleman there who was actually pleasant to deal with, but wasn't able to make a payment with him. I called again today and spoke to a woman who was flat out abusive, threatening, and rude! I was offering to make a payment today and additional weekly payments till the debt was paid in full. I was concerned this might have been a scam so I asked if she can email/mail me a statement on the agreed settlement, when she said she's had it and that she'll tell her client to sue me for the full amount and hung up on me. HERE IS A COPIED AND PASTED TEXT MESSAGE BELOW ( I ERASED MY PERSONAL INFO ) : This text is from XXXX. This message is for XXXX -- - - -- -- we have a legally required notice with your name and SSN attached for legal review. You may call back XXXX with or without your attorney to discuss your current case in our office. While calling back please refer to Case # XXXX -- -- --
Consumer complaint received 2016-07-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

My bank Wells Fargo did not allow a stop payment on an ACH withdrawal after I had requested that the payment be stopped. I was then logged with another {$35.00} overdraft fee after I could not cover the cost of the ACH withdrawal. I could n't afford gas or everyday necessities like food because the little money I had in my account was taken out.
Consumer complaint received 2019-10-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NM)

I have been working with Quicken Loans for the past 6 weeks to secure a conventional mortgage. My loan was dropped 3 business days prior to closing without warning. There was no stated reason for why the loan was dropped. I have excellent credit, was putting {$200000.00} down on the purchase of a {$350000.00} home so it was considered very low risk. Quicken uses a website to handle the majority of their interactions with clients. I was in contact with them throughout the entire process and uploaded everything they asked for in a timely manner. I applied for the mortgage on XXXX XX/XX/2019. The loan was approved in the beginning of XXXX. On XXXX XX/XX/2019, I informed Quicken that I had received a competitve offer from a local bank and Quicken agreed to match their offer. The new rate was 3.25 % with a 1 % point buy down for {$1500.00}. I assumed everything was good to go. Then 10 days later on Friday, XXXX XXXX, I recieved a message from a " solution consultant '' asking me to call her back. She did not work weekends ; I was busy Monday the XXXX and tried calling her 3 times on Tuesday the XXXX. She did not answer. I tried texting her. She did not reply. I went on to the website and asked if everything was still good to go for closing on the XXXX? At that point, I recieved an automated email that simply stated : " Even though things didn't work out, you can still view your appraisal on Rocket Mortgage. Please note that your account for your loan ending in XXXXXX will close in 90 days, so you'll need to download your appraisal if you want to save it. '' I then emailed the original mortgage banker that I had worked with asking what happened. She simply said " I've CC 'd the solution consultant to assist you. '' She did not offer any explanation. Another person responded to the email and said, " It appears the solution consultant was trying to get a hold of you and we just couldn't hold the loan any longer. '' That was on Wednesday, XX/XX/XXXX - 2 business days prior to closing. In all, I had to work with over 8 different people at Quicken. Each time, they lacked the continuity and understanding of the situation. And it appears that once I tried to shop for a competitive rate, they were no longer interested in doing business with me but waited until the last minute to tell me which meant I could not meet closing and lost thousands of dollars.
Consumer complaint received 2016-12-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DC)

Since XX/XX/XXXX, I 've received a series of very intrusive calls ( from XXXX, XXXX, XXXX, XXXX and XXXX ) that have come from either PNC Bank, or just a person or persons claiming to represent them. My phone 's caller ID does not display the particular number involved with any mention of PNC or a bank in its heading like it usually would. ( I 've had several legitimate contacts from them in the past ; and these are different. Usually letters accompany their contacts - but not this time. ) The calls come daily and several times a day. It seems that the callers are determined to be more and more persistent. 

In each of the couple of times they were answered they were told that they should already have certain items of information on file. They insisted that I give them vital account-related and personal financial statistics and were refused. However, my refusal went over their heads. They then asked about my granddaughter, XXXX, who was recently XXXX after 17 years of working for them for a group of strange and unsubstantiated accusations ( XXXX ). They questioned the validity of a check I wrote myself on an account I have with her there. They also tried to attach me to an account ( for loan payments ) which I do not own. ( It may be my granddaughter 's. ) They prompted me to make a statement as to " elder abuse '' allegedly committed by my granddaughter. I know her and my accounts well and nothing out of the ordinary took place with the exception of these rude and pointless attempts to unsettle me and steal parts of my identity. ( They may be trying to " fix '' her because she complained about not being paid for overtime. ) It seems that they think I have XXXX. I may be old ( at XXXX ) ; but it does n't mean I 'm senile. I am of sound mind. If the calls do n't stop a restraining order will be placed. The authorities will be contacted. I 'm tired of being harassed. 

Attached is a partial list of the dates and times on which they phoned and other documentation. 

Sincerely, XXXX