davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NY)

Signed up for Wells Fargo Visa Card branded with XXXX in early XX/XX/2022 in response to advertisement ( see link below ) offering 3 free hotel nights for spending over {$4000.00} on the card in the first 3 months of card opening. Spent over {$6000.00} in the first two months the card was open, but was only credited with one free night. Six calls/online chat exchanges with Wells Fargo resulted in them denying me the promotion and saying I was ineligible. 

This is dishonest and possibly fraudulent. I would hope Wells Fargo had changed their business practices but apparently they haven't. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CO)

M & T Bank holds my loan for my house at. This was a VA loan that I assumed from the old owner, assumed approximately XX/XX/XXXX. Regarding property insurance, my spouse and co-owner submitted our proof of insurance from farmers at least 3 times to M & T Bank, this was a condition of assuming the loan. The old owners held their insurance through XXXX, apparently their policy wasn't formally cancelled until XX/XX/XXXX, after XXXX sent a bill to M & T for insurance for the following year totaling approximately {$3600.00}. M & T paid the XXXX bill without verifying the names currently attached to the loan. 
This could have been an employee or a computer error. Through phone calls first to procure my first mortgage statement M & T had put the old owners new address down as my mailing address along with a there phone number, it took several phone calls and reentries to get this straightened out, if it is straightened out. There were letters and bills that were apparently sent out but the went to the wrong address. Under an assumption with M & T bank there is no capability of adding online access to the new home loan owner. Additionally the employees I have spoken to over the phone are not authorized to send pertaining documents to me. 
M & T did their own escrow analysis and increased my monthly mortgage by approx. {$300.00} a month to cover the Mortgage. I have ordered a new escrow analysis twice, several employees have confirmed what I described is what happened. M & T has provided me with the old owners XXXX policy number and advised me to contact them, explain the situation and once a refund is issued a new escrow analysis can be performed and in two or three months the payment will revert back to the original value. M & T is not authorized to contact XXXX themselves. However XXXX can not issue a refund to me for the old owners policy number because I am not listed on that policy. I paid the incorrect amount in for XXXX because I was afraid of going into delinquency. After being promised I wouldn't be held responsible for late fees or reported to the credit bureaus if I withheld payment until this was resolved I received a letter dated XX/XX/XXXX stating they were correct to report me. I then paid XXXX bill in the correct amount that they state is {$300.00} short.
Consumer complaint received 2022-11-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (IL)

I had 17 loans with Affirm totaling {$5500.00}. On XX/XX/2022 I made payments in full on all 17 loans. My balance on all 17 loans is now {$0.00}. I am trying to close my account with Affirm so that I do not acquire more loans. Affirm is not allowing me to close account. Methods I have tried to close account ( 1 ) solution : calling Affirm customer service at XXXX outcome : Affirm says I need to wait 30 days to close account ( 2 ) solution : contacting Affirm at help XXXX XXXX per their website to close account. outcome : reply from Affirm that they are not monitoring this inbox. ( 3 ) solution : contacting Affirm via online form on their website to close account. outcome : no response.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2018-06-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE (CO)

A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. 

The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. 

We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. 

They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

It's hard to describe just how miserable Sallie Mae/Navient has made me, but I will do my best. 

In XXXX of XXXX, I was still newly married, but I had no job. My wife had just begun her career as a nurse, and we had our first child on the way. With financial pressures building up, I responded to an offer that I had received in the mail from Sallie Mae. Promising the convenience of lower payments, interest free deferments, and generally a much simpler process for paying our student loans, we immediately moved forward with consolidating our loans together. My wife had graduated from college with {$31000.00} in debt, and I was struggling to pay the balance from my year and a half in college, which amounted to {$26000.00}. This was without even having a degree to show for it. 

We did our best to make our payments ; There were times when we had to use the deferments due to economic hardship. I was either unemployed or underemployed for most of my twenties. But we did make payments, a lot of them. 

However, the payments, along with our other consumer debt, drove us to bankruptcy in XXXX. Every one of our credit cards was paid off because of this, and our total settlement fee was around {$2500.00}. What I noticed as I was going through our paperwork, that a portion of our settlement went to all of our creditors- including Sallie Mae.

This seemed odd to me, since our loan with Sallie Mae was not discharged. It was our largest debt, and the payment had ballooned to more than our mortgage, as did the balance of the loan. But Sallie Mae STILL got almost half of our entire settlement for our bankruptcy. 

With capitalized interest, our student loan was increasing despite every payment that we made, and the payoff date kept moving further and further away. As of this writing, our payoff date is now XXXX of XXXX, when my wife and I will be almost XXXX  years old. That means the loan itself will be XXXX  years old by the time it is paid off - the same age as my oldest son, who by then will have been out of college for close to 13 years. 

I'm sure my story is not unique. What happened was Sallie Mae ( and Navient ) were deceptive and predatory, coercing my wife and I to sign on to a loan that is impossible to pay off, and when we were under extreme duress to the point of bankruptcy, they took money from our settlement payment even though they were not being discharged like every one of our other debts. 

The fact that we are supposed to pay for a loan until our children have graduated from college themselves, is robbing us from being able to plan for our future, but also makes it difficult to make ends meet some months. We were lead to believe that they were going to make our lives easier ; instead, they have chained us to a loan that is sinking us financially. A choice I made when I was XXXX should not affect my life until I am nearing XXXX age.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

Good morning, I am reaching out to the CFPB to have Equifax make good on their reporting errors. I recently read online that Equifax has purposely reported inaccurate credit scores for consumers whose job it was to protect consumers. I as a XXXX  XXXX  feel especially effected by this mishap. I pray that the CFPB will encourage Equifax to right this irreparable MISTAKE! I dont know any other way I can recover, except for the removing all account items that are in good standing and also those in negative status. This blatant mistreatment of minorities has to stop now! I am now paying high interest on credit accounts because of this issue! No compensation will reversed the clock for all the suffering I have endured as a result of poor credit scores being reported by Equifax. Please XXXX help me before its too late.
Consumer complaint received 2022-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NJ)

I.C. System INC. repeatedly adds the same fake debt to my credit report. I have already successfully disputed the fake debt twice and had it removed before but they keep adding it back. The amount the are falsely claiming is {$61.00} and allegedly originated with XXXX internet. XXXX has absolutely no record of this debt when I spoke with them and said it doesn't exist. I do not recognize this debt as being mine.
Consumer complaint received 2024-10-08
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: Experian Information Solutions Inc. (FL)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. 
Please find it in your best interest to delete the items. 
I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Consumer complaint received 2022-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (CA)

I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called Unifin. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
Consumer complaint received 2022-10-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Hood & Stacy, P.A. (MO)

Auto loan company came to my residence on private property and took my vehicle without my knowing. The company also did not give me the opportunity to remove personal belongings and private documents containing personal information. The company still will not let me have my personal belongings. The representative I spoke to over the phone said tough luck and I also was not notified that I was being sued and I never received any sort of documentation for the court date and I received a notification of judgment through the mail. I still have not been able to connect with and resolve the issue of my personal and confidential belongings.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Simon's Agency, Inc. (PA)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2023-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Portfolio Services, Inc. (WA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WV)

I check my credit report on an annual basis for accuracy. I have been divorced and provided information for my legal name change. My report ( after numer efforts appears to have been updated ) BUT a mailing is still being addressed in the WRONG NAME contaiing my pesonal information to the wrong addressee! I received two mailings from two different Equifax XXXX XXXX XXXX. A mailing dated XX/XX/2022 from XXXX XXXX XXXX, XXXX XXXX XXXXXXXX is being sent to the wrong addressee. I am not concerned with the address as I am in the process of moving BUT the last name continues to be showing up and is no longer my legal last name. My legal last name is XXXX, NOT XXXX. I am attaching a .pdf of the mailing addressed to XXXX from XXXX XXXX XXXX. Their seems to be a disconnect in Equifax system being synced. I am providing a 2nd mailing from Equifax from XXXX XXXX XXXX which was sent to the correct last name to the address I am moving from. WHAT IS GOING ON!! My credit information, file, dispute responses or anything should NOT be addressed to XXXX XXXX as that is NOT my legal last name but the system is still INCORRECT. I have attempted to contact, notify and have this corrected directly with Equifax numerous occasions over the past XXXX XXXX years!!
Consumer complaint received 2022-10-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, Paypal banned my account citing abuses of their policy, however, when I contacted them via phone, they were unable to disclose any information of how I violated their policies. I've only ever used it to transfer money between friends and family. The email I got claimed they would hold the money for 180 days and then tell me how to access remaining funds, but on XX/XX/2021 they instead transferred my balance ( XXXX USD ) out of my account and to themselves, effectively stealing it. Again, when contacted via phone support line, they were unable to give me any information about this transaction or why the account was banned in the first place.
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: U.S. BANCORP (WV)

On XX/XX/XXXX I overnighted a check to pay off my lease on a lease end purchase from US Bank on a XXXX XXXX XXXX. The amount was XXXX on Lease Number XXXX. On XX/XX/XXXX, the payment arrived and was signed off - XXXX XXXX # XXXX. 

On XX/XX/XXXX, I received a phone call from US Bank inquiring what I was planning on doing with my lease. I advised that I had sent in all my paperwork and the check was overnighted and received. I gave the person my XXXX tracking number. He had to investigate it and came back on the phone to state that he talked to lease end maturity department and they said they could not process my payment due to the fact that the legal line did not match the amount box on the check. Wouldn't it have been nice if someone had called me? I then asked the representative how I could expedite the payoff of the lease and he advised that he could take the payment over the phone for the lease amount. I provided my routing and account and he came back on the phone to tell me the most he could process was XXXX. I asked if he wanted to take my payment in increments as the money was there. He thought it was better He then provided me the information for a bank wire transfer to US Bank. XXXX XXXX with specific instructions on what to put in the memo section. I immediately notified my bank and they wired the money to US Bank. 

On XX/XX/XXXX, I received a phone call from US Bank asking me again what I planned on doing with the lease. I advised if she could read the notes on my account as I had just spoke with a representative on Friday XX/XX/XXXX and the rep said there were no notes regarding my payment. I then advised of the bank wire transfer and she said the lease maturity department does not take bank wire transfers. I said, why was I provided the bank wire information by US Bank if that was the case. After being transferred 3 additional times, they were able to locate my bank wire payment. And then I was told that they would need to send it back to me and that it could take 5 business days and I would need to send another check. I asked why I would need to send another check when they already had my money? I was given the excuse that it was with another department of US Bank which was the collections department. I advised that the collections department should be able to refund my money to the lease department. And the worst part is that they are now threatening collection actions if I don't send in a check when they are the one 's who have my money. I have spoken with a Senior Rep ( asked for a supervisor ). How can a bank treat a client like this? How can they provide me an expedited payment method through bank wire and then after they have the money refuse to apply the payment to my lease. They told me their procedures were that they can not accept bank wires for lease payments but they clearly did. 

Currently this has not been resolved and have been waiting on a call back all day.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit it 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.