davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-27
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)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 

XXXX XXXX {$1900.00} XXXX XXXX {$1700.00} XXXX XXXX {$3600.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX {$7400.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-04-27
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: CITIBANK, N.A. (NY)

I checked my credit report to see an old account from Citibank reporting. As stated when I phoned Citibank about the old account, I lost my job and became homeless. Thats why I fell behind on my payments. As soon as I got a job, I began to take care of the balance owed. However, even though Ive been furloughed due to XXXX, I still made payment and settled the account for less than owed. I was told once my balance was on {$0.00} it would be deleted from my credit report.
Consumer complaint received 2020-04-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I requested to be put on the COVID relief with wells fargo in case I could not make a mortgage payment during this pandemic. I have already filed another complaint against wells fargo about the way they are handling payment deferrals. I tried to make a payment today for my mortgage and was unable to make it online it said I did not have an account available to make a payment to. When I spoke to Wells Fargo they told me because I had applied for COVID relief I was no longer able to make payments online and had to either call mail in the payment or go to the bank. Their message on the phone says to make a payment online but I am unable. It is inappropriate that Wells Fargo is taking away methods of making a payment just because I applied for the COVID relief benefit. This is making it in their favor to accumulate interested and making it harder for the consumer
Consumer complaint received 2020-04-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (MD)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2024-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (CO)

In XX/XX/year>2024, the autopayment failed to process. I attempted to re-enroll in autopayment only to be told that a first time payment had to be made in order to enroll in autopay. I had made a payment in XX/XX/year>2024 and was current at that time I was told I then was enrolled in autopay. I have held this loan for years and used autopayment with no issue in the past. I now have a late mark on my credit report that is at fault for the glitch in the bank 's software. This should be removed, and the bank 's software system investigated. There is a 30-day late remark on my credit report for XX/XX/year>2024. This needs to be removed. It was at the fault of the bank ; I was told I was enrolled in autopay and that was not the case. It is unclear why, and they only acknowledged my enrollment on XX/XX/year>2024. However, they did not acknowledge why autopay failed to process on XX/XX/XXXX when I was told in XXXX this payment would be applied to the account. I believe this remark should be removed. All payments going forward this issue seems to be resolved and was originally due to a back-end error when coming off of mortgage forbearance the month prior.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY ()

Wells Fargo took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a XXXX XXXX XXXX.
Consumer complaint received 2019-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

Entered into XXXX promotion to open a new checking/savings account with Citibank inXX/XX/XXXXXX/XX/XXXX The bonus entailed XXXX for depositing XXXX and maintaining for 60 days, as well as XXXX for completing one qualifying direct deposit each month for two consecutive months within 60 days of account opening. The bonuses should have posted 90 days after completing the requirements. I received the XXXX in XX/XX/XXXX I still am not in receipt of the XXXX. I had a direct deposit post on XX/XX/XXXXand another XX/XX/XXXX, so did complete the requirements. The Citi representatives that I've spoken with have confirmed I've met the requirements but have been unable to assist me.
Consumer complaint received 2019-08-22
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. (FL)

Chase was verifying my account before making a purchase last week. After verifying me they went ahead and closed my business account. They said the reason was because rapid increase in revolving balances and too many requests for credit increases which I have not requested for any kind of credit or increase lines of credit. I have been using my card for only business transactions and paying it off just like anyone else would be using a credit card. They have discriminated against me by closing my account.
Consumer complaint received 2020-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

I am a Chase credit card holder. An unauthorized charge appeared on my credit card on XX/XX/2020 for {$1200.00} from a vendor I did not do business with an did not recognize. I discovered the error on XX/XX/2020 and contacted Chase to report the fraud. They suggested I contact the vendor. The vendor would not accept phone calls and instructed me to email. I emailed the vendor on XX/XX/2020 to ask what the charge was for and received no reply. Chase cancelled the card and sent a new one and said they would investigate. I received a letter from them on XX/XX/2020 informing me that they were closing the investigation and insisting that I pay the full amount because I had " received benefit from the transaction ''. This is untrue. I called in an attempt to resolve the situation and the individual in the fraud department was unable to help me.
Consumer complaint received 2020-04-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (TX)

XXXX XXXX XXXX  out of NY has contacted many of my family members, friends and even an ex ( who I haven't been with in 7 years ) SEVERAL times in the last 6 months. I have and others have told them to stop calling or harassing. I put my number on the do not call and then also have not sent me anything in the mail, ALL has been phone calls. There has to be some kind of relief against this type of harassment and embarrassment they have caused our family.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Mortgage was paid in full at close of escrow when property sold three years ago. Mortgage still shows as unpaid, delinquent and three years behind in payments. Title company paid off mortgage as part of closing process and provided wire transfer confirmation, as well as audited final settlement statement. Both document are available for upload to support my complaint. Currently trying to qualify for a new mortgage and learned that this incorrect reporting is impacting my credit score and ability to qualify.
Consumer complaint received 2019-08-22
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (TX)

I received a Private Loan from Sallie Mae back in College in XXXX. It was transferred to Navient. I have been fighting back and forth with intimidating customer service rep to get this loan taken care of. On XX/XX/XXXX I paid {$840.00} to the company to have my dad take off the loan. This was not a payment on the loan or at least that is what she informed me. I NEVER received a receipt, payment confirmation or there was nothing. She stated i would be responsible but my loan amount would be lowered. It was reported the same amount from XXXX. It has been 13 years since I have been dealing with this loans. There are so many different balances on each report. I I have requested payment updates, goodwill letters that was just sent XX/XX/XXXX, I have called multiple times and they keep reporting on my credit as delinquent as if it is a new loan. When I called on XX/XX/XXXX, she could not provide a reason and even after asking for assistance with the payment she gave me a collection agency number. It is so deceptive to report things like this. Its in charge off one month, the next month is failure to pay and the next it is 90 days past due. They keep reaging this loan each time it hit my credit report from another company. I have been trying to work with this company to no avail. This is affecting my score terribly.
Consumer complaint received 2024-09-29
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 (IL)

I opened an account with a firm for a small purchase from XXXX 's bridal. I had payment installments that were due each month on the XXXX and they have all been paid in full my payments were automatic and should've came out of my account and according to them, they marked my account as 30 days past due My final payment I made on the account was XX/XX/year> in the amount of {$110.00} as of XX/XX/XXXX they reported my account as 30 days past due and it's showing on my credit history that I have an outstanding balance in the amount of the {$110.00}. I don't have an outstanding balance I have closed the account I have submitted this form numerous times, and it's saying that it will remain on my credit report. I have worked very hard to get that XXXX XXXX up and for this to happen, and nothing being done about it. I am very disappointed and this is causing financial issues on my end. I tried submitting photos to show proof that it was paid off, but it wasn't allowed. I really need this resolved.
Consumer complaint received 2024-09-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I processed two separate payments on the same day from two different checking accounts but only one payment is being processed and its causing fees to be charged. 

Ive been having the same issue since 2022 and they say its a glitch or an issue with making back to back payments. 

Now i have XXXX fees since XXXX because again the issue has arisen. And they are unwilling to provide me a callback with the login and navigation logs to show 1- that the payments were scheduled and 2- why they are being rejected/ falling off. 

In addition that, they are unwilling to waive any of the fees, even though they can clearly see that I pay off my balance monthly to avoid any fees. 

This is predatory and negligent on their end as this has been an issue theyve been unwilling to look into ; Im sure Im not the only one having this issue.
Consumer complaint received 2024-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

My student loan was transferred from XXXX XXXX XXXX XXXX. In XXXX I spoke with XXXX  regarding my student loan and how to move to an Income Driven Repayment plan because I noticed that the student loan balance increased although I was making timely payments. After the conversation with XXXX  in XXXX I was placed on a forbearance without proper clarification of the risks, fees and how it would increase my student loan balance which it did. I understand interest adds to the balance, however, the amount of interest was too high and still does not make since. 

When my student loan was transferred from XXXX  to MOHELA the balance was significantly increased with no clear reason why. From XXXX - XXXX I called XXXX  and then MOHELA to get clarification on why my student loan balance from XXXX - XXXX increased over XXXX? However, no one has been able to give me a clear answer. I have emails dating back to XXXX that I can provide copies of to show my communication with both servicers. However, I am unable to access my XXXX  account and MOHELA has since removed my previous communications from my portal.
Consumer complaint received 2024-08-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

I was just looking over my credit report and found some inaccuracies that I am demanding you correct.

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report.

Here are the inaccuracies I have identified : Account Name : GENESIS CRDT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Creditor agreed to delete Instruction : The creditor has agreed to delete this account. Please contact the furnisher and they will confirm this. Then remove this account from my credit report. after entering agreement with the creditor that will have me paying XXXX XXXX weekly. creditor agreed to deletion or removal of this item., Thank you,
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX, I received a Chase bank notification that there were suspected fraudulent charges being made on my credit card account. I replied to the message saying that it wasn't me. My card was locked and a new one was issued to me. The next day, on XX/XX/XXXX, I got another message about fraudulent charges. This time in regards to my checking account. I once again stated that it wasn't me, and then my debit card was locked. I filed a claim with them, and they cleared the charges on my credit card, but refuse to reimburse the fraudulent charges on my debit card. I told them that I did not give out my card information, the charges were unauthorized, and I had both of my cards in my physical possession. They informed me that the charges were made from an XXXX pay account, however, I told them that I have never opened an XXXX pay account and I currently use a XXXX phone. After the first time they denied my claim, I provided evidence that I was at work and physically is XXXX, XXXX the day the charges were made. I also provided tollway charges on my car to show I was traveling to work that day. I provided time frame evidence, showing that I was in XXXX, XXXX working from XXXX pm to XXXX pm. I also explained that it should be obvious they are fraudulent charges because they are from the same store, across various cities in XXXX, and all the charges were around the same exact price. I wouldn't have enough time to go to XXXX different cities in XXXX and be able to work XXXX hours of the day in XXXX, XXXX  After multiple attempts, Chase bank has repeatedly refused to assist me with the fraudulent charges. I went to the police station and also filed a police report. I provided them with this information as well. As of now, I have only gotten the same response that " Unfortunately, there is nothing we can do to help. '' I will provide all charges, charge location, store number, and charge date below : XX/XX/XXXX : XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XX/XX/XXXX : XXXX # XXXX XXXXXXXX XXXX XXXX XXXX {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - {$190.00} XXXX # XXXX XXXXXXXX XXXX XXXX XXXX {$190.00}
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (CO)

XXXXSubject : ** Request for Interest Forgiveness Due to Mismanagement of Forbearance **To Whom It May Concern, ** I am writing to formally request assistance in forgiving the interest that has accrued on my student loans due to misleading and misguided information provided to me by Mohela Loan Servicing XXXX 

Following the COVID-19 loan payment pause, I was incorrectly placed into an administrative forbearance due to my Borrowers Defense application submission. At no point during my submission did I elect to be placed into forbearance ; in fact, I specifically elected to continue payments once the COVID-19 pause concluded.

Despite numerous contacts with Mohela to resolve this issue and be removed from forbearance, my loans were repeatedly placed back into forbearance without my consent. As a result, interest continued to accrue during this period, which I was not supposed to be responsible for. 

In the spring of XXXX, I was finally removed from forbearance. However, the large amount of interest that accumulated during this period now burdens me, and I am required to pay this interest before any reductions in principal can be made. 

This interest is a direct result of Mohelas mismanagement of my account. I am now facing monthly payments of {$4000.00} next year which I can not feasibly continue for the future. My Borrowers Defense application is still under review and expected to be processed by XX/XX/XXXX. I urgently need assistance in forgiving the interest accrued during this mismanaged period to avoid further financial hardship. 

Please consider this request and provide any available assistance or guidance. 

Thank you for your attention to this matter. I look forward to your prompt response. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (LA)

Hyundai motor fianc never refunded gap payment they also never register the vehicle I filed bankruptcy and Hyundai motor sent a 1099 -C form to its stating I owe the tax amount Hyundai motor fianc refused to accept the vehicle back or come pick the vehicle of in XXXX they then listed debt as a charge off on my credit report for XXXX years then XXXX the debit fell off they sent the irs a 1099 - c form and has yet sent me documents as to h how many pa were made and where my funds went to sence the amount they sent the irs is incorrect
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XX/XX/XXXXaccording to XX/XX/XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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: EQUIFAX, INC. (NJ)

Recently I locked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you wil investigate these ITems for me to ensure accuracy. 
Here is the item I am asking you to verity as accurate : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX