davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

From XX/XX/XXXX-XX/XX/XXXX, my wallet and phone were stolen from my possession. They perpetrator who spent money on my account nearly 800 dollars and they found me responsible for it because the police department failed to give me a copy of the police report I made XX/XX/XXXX/XX/XX/XXXX and also said another reason was they seen a transaction before on my account which was named XXXX but anyways there where I found the suspect who stole my wallet and phone. There is so much stuff you can use or buy that will come up as a XXXX transaction that they shouldn't pin that on me. The third reason they said I would have to pay them back is because they called the phone to verify the transaction that took place but keep in mind that XXXX don't need to be unlocked to be answered and they also didn't asked for verification of my identity at all. I was already on my way up to XXXX for vacation with my friends and I didn't try to call from a different phone because I thought nothing of the suspect being XXXX enough to use my card and I didn't want to call from another phone to make it seem like I'm the suspect. so I went ahead and tracked the XXXX that got stolen from me and I seen they went all the way from where I live to XXXX, FL so I cancelled my trip to make my way out to getting my stuff back. so when I figured out how much they have spent on my account I called discover from the broken phone I retrieved after hunting this person down and explained only parts of the story about the fraud done so they can hurry and get this fraud off my card and stop my card from working anymore to the DISCOVER Card REPRESENTATIVE, she said everything would be fine and that we hold our customers 0 % responsible for fraud charges which is also on their website. so I'm waiting for a month then I see the charges placed back on my account because the decision is still going so every billing cycle I got ta pay a minimum amount of money I never used from them in the first place. Then when it reached end of XXXX I finally received a call from a case manager saying unfortunately we can't honor the fraud done because the police station failed to give me a copy of a police report and that they seen a XXXX charge before so I told the guy the full story and he said we will have it under review again for me then two more months past and I get a call from them saying " we still can't honor the 100 % fraud protection '' that they promote. So, I asked can I just fax you guys a witness letter saying what went on during the time and he said that I can try but basically said it won't work. So DISCOVER has me stuck paying them money I don't have nor spent in the first place
Consumer complaint received 2018-12-18
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)

To Whom It May Concern : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
Those item include XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX  system that doesnt even contain my reasons for the dispute is not reasonable.Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is an insult Thank you. 
XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2018-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I have only ever borrowed a total of {$65000.00} of student loans from ALL of my previous institutions. I contacted each institution and had them send me a copy of the disbursed loans. The total amount added up to {$65000.00}. Somehow, Navient says I owe {$93000.00}, and can not explain exactly HOW I owe this amount. They tried to tell me it was accrued interest.. I asked how it was possible to accrue {$30000.00} in interest in 3 years at a 6 % rate, and then they told me it was due to the loan consolidation, and blamed University XXXX XXXX for overstating disbursed amounts. SO I contacted University XXXX XXXX who assured, and sent me proof they ONLY added the total amount I actually borrowed. I would like
Consumer complaint received 2022-02-22
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-01-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX my husband and I applied for a HELOC through our Mortgage servicer, Wells Fargo. We identified in the application that we are XXXX XXXX. Our credit scores in the in 700s and we have good income. 

XXXX XXXX XXXX was assigned as our point of contact for the HELOC application process. She requested I write a letter to explain my job history and income despite providing 3 years of XXXX statements when only one year is required. Her manager also requested putting the companies in the letter as well. These two requests caused the process to take longer than necessary and was the first sign my husband and I had that this could be discriminatory practices to limit/prevent XXXX XXXX  from obtaining funding for home improvements. 

A few weeks later, we were informed by XXXX XXXX XXXX, our point of contact for the process, that we were being denied. She informed us the underwriter reviewed the data and that we were being denied ( 1 ) due to having a modification performed in XXXX that reduced the balanced by {$23000.00} ; ( 2 ) because the Loan-To-Value ratio did not meet the criteria set by Wells Fargo for approval. XXXX informed us despite this, the underwriter still attempted to find a smaller amount that could be approved but was unable to do so. We advised her we feel the entire process we experienced was discriminatory based on our XXXX XXXX  status that was identified in the initial loan application and that we would be filing a complaint with the CFPB. She advised she would have an executive contact us for further review. 

On XX/XX/XXXX, my husband and I spoke with XXXX XXXX, the executive representative XXXX XXXX XXXX referred us to. He advised the same two reasons mentioned previously that we were denied. I advised him we had been informed that by XXXX and challenged the validity. I asked XXXX if the reasons we were denied are regulatory reasons or if these are Wells Fargo policies. He replied they are Wells Fargo policies, not regulatory policies. I also advised him of the discrimination we feel the process has taken us through. He replied an internal investigation was performed and it was not found to be discriminatory. I advised him as I did XXXX that Wells Fargo recently settled with the CFPB in XXXX for discrimination specifically against XXXX XXXX   and it seems these practices are still taking place despite that fact and that I would be filing a complaint officially with the CFPB.
Consumer complaint received 2019-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UBS BANK USA (OK)

I canceled my UBS credit card two months ago. Eithout my knowledge, they canceled my abi, its to view my card information online. 

A few weeks ago, I received a letter saying I owed a payment. I have called them twice. Both times they told me they could not send me a copy of my statement, and twice they said the auto payment I had set up was canceled when I closed the card. 

So they say I owe them money, but theyve blocked my online viewing of the statement, and wont mail me a statement.
Consumer complaint received 2018-12-17
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. (MS)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regard to several accounts that was placed in my name that did not belong to me and that I did not authorize, and I am not familiar with. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have numerous accounts that does not belong to me reporting inaccurately. I have disputed and reached out to Equifax several times and they say the same thing over and over. The companies either need to send proof or validation or it needs to be removed. These accounts do not belong to me. I've done the FTC Identity theft report number XXXX, I've called Equifax and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was taking care of it only to find out she had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following accounts are what is being reported : XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I also want the following unauthorized inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX removed. I have even sent copies from XXXX & XXXX  showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information, but some bureaus are correcting items & the other is saying verified which is totally incorrect
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (PA)

Dear Sir or Madam, My name is XXXX XXXX XXXX. On XX/XX/XXXX, I went to Home Depot to purchased hardwood floor with cash on hands. The lady at the checkout offered me a store credit card with interest-free for 24 months. After talking to my husband, I accepted the offer. I purchased the hardwood floor over {$4000.00}. I have been making payments every month and never been late on a payment. Based on my calculation, I owed them less than {$2000.00}. On XX/XX/XXXX, I called to make a payment, they told me the balance was over {$4800.00}. On XX/XX/XXXX, I called customer service to find out what is wrong, they told me that they have been charging me interest since the date of purchase. That is not what I agreed to when I made the purchase. On the same date, I called again and asked to speak to a manager, they made me wait for 30 minutes and they hung up the phone.
Consumer complaint received 2019-01-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (MO)

I have a Wells Fargo account, I am required to make 10 monthly transactions to avoid a {$14.00} monthly service fee. I made the 10 monthly transactions and Wells Fargo still charged me the {$14.00} monthly transaction fee. Wells Fargo is scamming customers by charging them a {$14.00} monthly service fee by stating the customer made less than 10 monthly transactions even though the customer made 10 or more monthly transactions. This has happened to me several times. It just happened again on XX/XX/19!
Consumer complaint received 2018-12-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (AZ)

The company i used to work for is no longer in business and i am needing my complete my pay statements from XX/XX/2014 through XX/XX/2014. For additional information needed from me i can be reached at XXXX. My address while I was employeed there was XXXX XXXX XXXX XXXX XXXX XXXXXXXX   however, I've moved to XXXX since then. What I am looking for a document stating and/or showing when was the last contribution i made to my 401K through manual payments/ pay deductions.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I purchased two Airline tickets of XXXX XXXX with the amount {$470.00} through my Citi Card Credit. Then I found out the XXXX XXXX offered the cheaper ticket, as a result, I cancel the trip with XXXX XXXX. On XXXX XXXX I did call Representative Customer service of my Citi Card Credit to cancel the trip with XXXX XXXX and request to refund {$470.00} back to my account then they referred me to Dispute Charge Center to do that. On XXXX XXXX I did called the Representative customer service of XXXX XXXX to request the refund {$47000.00} to me then they referred me to their Refund request website to do that. Finally, Both refused to refund to me with the reason I didn't call them to cancel the trip while I did.
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NV)

I had 7 student loan account with Nelnet. They were transferred over to collection ( they have since been paid in full ). However on the credit reports for XXXX and XXXX, the status shows as currently 120 days late even though the account was transferred and no balance is owed. I have disputed the incorrect status with XXXX and XXXX only to have Nelnet confirm its accurate. I called Nelnet directly and asked the to correct the status and the stated that because it used to be over 120 days late they are not obligated to correct the current status. There is no balance owed to Nelnet. The account was transferred. The CURRENT status should state account was transferred. I am NOT currently 120 days late.
Consumer complaint received 2018-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Rodenburg LLP (WY)

I have two loans that were taken out through XXXX XXXX XXXX. I have several issues with this company. The original amounts of the loans were at XXXX, XXXX it was agreed upon that there was no interest and there now has been interest added. They have a debt collection agency sending notices and threating not only me but my ex husband who through a divorce and a court order was filed no longer liable for the student loans. They are asking for much more than what was taken out on the loan. They are threating to garnish wages and when asked for them to show the proper documents that they own the debt they stated they do not have it. This company has been sued for not being able to show that they have ownership of this loan. I have requested ownership be provided that they own the debt and it has not been provided. I don't feel its fair for this company to request money and threaten me and my ex husband who is no longer liable for the debt to raise the amounts and to collect on and to not show proof they own the debt.
Consumer complaint received 2018-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (UT)

Collection item appeared on credit report on XXXX, XXXX, and XXXX for over {$5000.00}. I do not owe anything and no communication attempt has been made by the collection agency or alleged debtor.
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (UT)

Back in XXXX I received a letter from : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Under the acct # XXXX indicating that a debt from XXXX was owed. This was disputed as I did not have a contract with XXXX nor MRS BPO LLC, and sent via certified letter back to the company. At the company an individual named XXXX XXXX signed for it on XX/XX/2018. I now in XXXX have received the same letter from the same company for the same debt under a new acct # XXXX, and they're saying they didn't receive the certified letter for the previous acct number that was listed, and it has a new acct number because the debt was transferred between departments within their company.
Consumer complaint received 2024-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-12-17
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/2018, I went to chase ATM at the XXXX, IL location terminal XXXX. I made a deposit of {$410.00} in the middle of the transaction the atm rebooted and the money was in the machine. I called Chase right away while the card was in the ATM. The representative advised me to take the card out the ATM to give him the last four numbers of the card. I removed the card the machine came back on and I checked my balance and the money didn't go to my account. I made a claim and the claim was denied. They won't go look at the cameras or anything. I don't feel like I should take a lost of {$410.00} because of an error at their ATM.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I filed a dispute with Chase for charges from XXXX XXXX XXXX XXXX    XXXX on XX/XX/XXXX for {$280.00} and {$380.00}. Despite the mountain of evidence, I provided on both my original dispute and my request redisputing the card on XX/XX/XXXX for the following reasons : Incorrect Amount charged, Not as Described or defective merchandise ( no heat during a winter storm, leading to a below freezing room ) and misrepresentation ( XXXX Best Rate Guarantee not honored ) Chase either failed to fully investigate or ignored all the evidence as no detailed reason for the chargeback being dismissed was provided and nor was any compelling evidence.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I received a letter from Chase stating they had issued a credit of {$210.00} for a dispute filed with a charge from the XXXX XXXX on XX/XX/XXXX for {$210.00}. The letter further went on to state onXX/XX/XXXX the merchant provided a credit of {$210.00} and that they believed the credit to be a duplicate and thus reversed their original credit. I originally called into the Chase dispute customer service line to notify them the credit and disputed charge was not related. Chase requested I send in a letter requesting this dispute be re-opened stating this. As requested on XX/XX/XXXX I submitted a letter to chase with the return receipt which should have been issued a credit from XXXX XXXX but was not, as well as the receipt for second credit issued by the XXXX XXXX proving these were two separate transactions. As of a letter dated XX/XX/XXXX in response to a CFPB complaint, Chase still has yet to review or reply to the letter detailing the difference in the two transactions detailed in my letter and has failed to investigate my dispute or issue a credit for the disputed transaction. Thus they have violated the Fair Billing Practices Act.