davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Below is what I've submitted to Wells Fargo. I'm trying to close on a house, and this issue is what is holding it up. I was told that the issue would have a resolution on XX/XX/XXXX, and was told on XX/XX/XXXX that now it won't be resolved until XX/XX/XXXX. Over the last few months Ive had many, many issues in regard to my automated online payments. On SaturdayXX/XX/2018 I logged into my Wells Fargo mortgage account to make sure my automated  payment had gone through, or was pending to submit. On this day, I saw no pending amount on either my checking or mortgage accounts, and nothing was listed in my scheduled transactions. I got nervous, as I didnt want for it to be late and forced a payment through. On Monday, XX/XX/XXXX I received notice that I was hitting an overage fee, as there was not enough money in the checking account, because it was trying to push two payments through to my mortgage. I called and went into the bank to put a stop payment on one of the payments so that I would not continue to receive overages. I strongly believe that this was a technical bug since I did not see any pending payments and would have never submitted another payment if I knew it was coming out. After the issue in XX/XX/XXXX, I was told that everything should be fine and to trust the automated payments going forward. I assumed my XX/XX/XXXX payment went through, as I saw it posted on XX/XX/XXXX and confirmed with an agent that it was paid ( you can look through my login history, and call/ticket history ), only to be reversed by Wells Fargo XX/XX/XXXX. I did not receive a letter from Wells Fargo telling me that the payment was late until XX/XX/XXXX, after the 30 day late payment. I have several calls, office visits and emails requesting to ensure that everything was fine with my account, as I didnt want to be overdue. As you can see it happened again in XX/XX/XXXX, even after I had confirmed with your staff that everything looked fine. I am very disappointed and frustrated as I have a paper trail where I have made payments, only to have them reversed, and only to be told by Wells Fargo that everything is fine with the account. We are now looking to have a child and buy a new house closer to family, but our credit scores have been badly damaged by this issue which I strongly believe stems from a Wells Fargo technical glitch, and several Wells Fargo customer service interactions where I was told the issue looked fine and wouldnt happen again.
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (MA)

I am writing to formally dispute certain inaccuracies present in my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding these discrepancies, but I have not received any response to date. I am providing the details of the incorrect information and the necessary corrections, seeking your assistance in rectifying this matter. 

Account Information : Account Identifier : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} Original Creditor : XXXX The account labeled as XXXX  with Account # : XXXX is not mine, and I respectfully request its immediate removal from my credit report.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST NATIONAL BANK OF OMAHA (NY)

My savings account was restricted, and XXXX of the transfers I made was cancelled without any explanation. The bank warning stated that if the issue with the restircted account is not resolved within 90 days it will close the account. I tried to contact the bank but the bank does not have any phone service, only online chat and email. I sent a couple of emails and also tried chat but had not had any response. It has been over 5 days now. The bank does not have any willingness to resolve the issue but only wants to close the account. I don't understand this kind of customer service.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank closed both my checking accounts and my line of credit along with my credit card! Asked for Reason why and the lady was very rude and kept talking over me! Considering I have over XXXX XXXX XXXX dollars worth of vehicle loans with them! My phone was stolen and I exercised my federal right of reporting Fraudulent transactions. Shortly after this they begin closing all my accounts saying I was a high risk!
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (UT)

Nelnet is my student loan servicer. I have recently called twice and asked to speak to a supervisor. The representative usually put me on a hold for about 10 minutes and comes back saying there is nobody available and will receive a call back. I have not received the two call back request Some of my student loans were discharged recently, however, the interest for those loans were not discharged.

Nelnelt added approximately {$28000.00} to my loans whiles in COVID 19 forbearance with zero interest.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (NJ)

This is a violation of 15 usc 1681a Transaction history is not part of a consumer report.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2018-05-10
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. (CA)

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the XXXX, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Consumer complaint received 2023-08-28
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. (DE)

I am writing to formally dispute the accuracy of certain information listed on my Experian credit report, as provided by your agency. I originally contacted Experian on XX/XX/XXXX to address the incorrect information detailed below. Despite the passage of time, I have not received any response or resolution from Experian. I am now seeking your assistance in rectifying these discrepancies. 
Account Details : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} ( Disputed Amount ) The reported information concerning XXXX is inaccurate. The original creditor associated with this account is XXXX XXXX XXXX XXXX, not the company indicated by your agency. I have never engaged in any contractual arrangement with this entity and have not been contacted by them. Furthermore, the reported balance of {$1400.00} is higher than my understanding of the actual amount. I hereby dispute this account in its entirety and request verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} ( Disputed Amount ) The details provided for the account XXXX are also inaccurate. The true original creditor for this account is XXXX XXXX XXXX XXXX, not the entity stated by your agency. The reported balance of {$1700.00} exceeds the amount I acknowledge as owed. I challenge the accuracy of this account and insist on verification of the Date Opened and Date of First Delinquency. 
XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ( Disputed Amount ) The information presented for the account XXXX necessitates further investigation. While the original creditor is XXXX XXXX XXXX, I have not been contacted by XXXX. The reported balance of {$1100.00} is inflated and inconsistent with my records. As a result of these disparities, I dispute the entire account and demand verification of the Date Opened and Date of First Delinquency.
Consumer complaint received 2018-05-11
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. (MI)

I have disputed the error of XXXX XXXXXXXX three ( 3 ) times, reporting I falsely owe this company {$2300.00} to XXXX XXXX  hospital. I have contacted XXXX  hospital and because they DO NOT request IDENTIFICATION upon registering consumers, I have been SELECTED to pay unknown medical bills for services I have NEVER used. I am entitled to an accurate credit report and this company is reporting FALSE information under my name.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (PA)

Discover reduce my credit limit causing purchases to go over the limit and purchases to be declined affecting payment obligations without notice. My credit limit was reduced from {$1800.00} to {$1200.00} without any notice or consent. I contacted the credit department and they acknowledged that no notice may have not been give which is completely unacceptable. The credit card was not overdue and is was not over the limit until they changed the limit.
Consumer complaint received 2018-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc. (VA)

I filed bankruptcy and it was dischargedXX/XX/2015. Included in the discharge was XXXX XXXX XXXX. I explained to the debt collection department that I included this bill in the Bankruptcy and it was discharged. They claim that the service was reconnected after bankruptcy. I did not live in XXXX  after bankruptcy discharge, nor did I incur any electrical charge from XXXX. I was and still am paying for services in my home in XXXX - XXXX electric bill. Further they are listing me as an open credit from 3 months ago. All this information is false and I request that it be remove immediately.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (KS)

XXXX XXXX XXXX & Citi Bank are using their significant market power to discriminate against customers based on lawful firearm related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. Lawful activities in accordance with U.S. Constitutional rights should not be discriminated against!
Consumer complaint received 2018-05-11
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: JPMORGAN CHASE & CO. (SC)

I wrote a letter to Chase XXXX service about an unapproved inquiry I found on my credit report. I stated that I NEVER applied for an Chase credit card nor do I own a Chase credit card and can they remove this inquiry off my report. Because clearly this is fraud.. Well received an response letter date on XX/XX/18 from a XXXX XXXX XXXX XXXX XXXX  XXXX stating that " after researching the request, we found that the inquiry was valid. This inquiry was part of the process to review the application you requested on XX/XX/XXXX '' Now, like I stated before I never applied for a Chase credit card but they have chosen to ignore the fact that my complaint stated that in the beginning.
Consumer complaint received 2018-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I tried to reduce the interest expenses on my loan # XXXX with Wells Fargo Home mortgage ( Servicing of my loan ) then I made a payment for {$2000.00} by my check # XXXX from my account # XXXX in Wells Fargo Bank branch at XXXX XXXX in XXXX XXXX NC. the payment was paid to Wells Fargo Home Mortgage by XXXX XXXX XXXX XXXX ( agree the statements ) .since I have tried hardly Wells Fargo Home Mortgage to reduce the principal on my loan for the amount paid by me of {$2000.00} this have not happen. The last time I contacted them on XX/XX/XXXX the company one employee of the company told me they applied my {$2000.00} to the escrow fund on my loan. I want to observe that I have paid my loan for about fifteen years without skipping payment or having late payment. So at the time of my payment for {$2000.00} I did not have pending for escrow fund neither for my regular monthly mortgage payments. 
In regarding to the escrow fund, when I had shortage on this fund I use to mail a check to Wells clearing house they ask me to mail.. The company on its account activity statement recorded my payment as received but did not reduce the principal on my loan. also when Wells Fargo does not apply my monthly payment to the loan as happened on my payments of XX/XX/XXXX for {$820.00} paid by my ck.XXXX account XXXX, my loan will show a shortage too on my escrow, interest and insurance because they are included on my monthly regular payments. for instance in XX/XX/XXXX I paid my ck. XXXX from my account XXXX for {$820.00} this has not been posted on the statement sent me by Wells Fargo Home mortgage on XX/XX/XXXX, the company want to involve this payment with my payment of {$2000.00}
Consumer complaint received 2018-05-10
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Dyck-O'Neal, Inc. (MD)

I had a house foreclosed in XX/XX/XXXX that had a XXXX XXXX loan. I paid the required mortgage insurance throughout the length of the loan. After the forclosure happen they turned the amount that the insurance company paid to the bank over to a collection agency, Dyck ONeal. They threaten to take my pension check so I agreed to make monthly payment of {$200.00}. I have been making that payment since XX/XX/XXXX. Do they have the legal right to go after me for this amount.
Consumer complaint received 2018-04-29
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: U.S. BANCORP (MN)

I discovered through my credit report that there was a balance on my US Bank credit card of {$5300.00} and late payment reporting for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I did not make any purchases on my US Bank card and when I called to dispute the charges, I was told by that agent that I needed to speak with a particular person that was handling the account and I left that person a voicemail numerous times throughout the last couple months and haven't received a reply. 

Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$5000.00} Term -- Monthly Payment {$190.00} Responsibility Individual Account. 
Balance {$5300.00} Highest Balance {$5300.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$620.00} Times 30/60/90 Days Late 1/1/1 Remarks Account closed by credit grantor 120 Days past due Payment History Latest Status : 120-149 Days Late XX/XX/XXXX 60 90 XX/XX/XXXX OK OK OK OK OK OK OK OK OK OK OK 30 XX/XX/XXXX U U U U U U U U U OK OK OK XX/XX/XXXX U U U U U U U U U U U U XX/XX/XXXX U U U U U J F M A M J XXXX XXXX XXXX XXXX XXXX XXXX 60 60-89 Days Late 90 90-119 Days Late 30 30-59 Days Late U Unknown Credit Utilization*106.66 %
Consumer complaint received 2018-05-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (UT)

This company put my account into a negative balance in order to receive their monthly fee and I was never notified of the policy change that led to it Several months ago, I stopped using my Card.com card  because my employer did not do direct deposit. Now that they do, I checked my account in order to start using it again and noticed that Card.com had put my account into a - {$6.00} balance. When I called their customer service on XX/XX/XXXX to inquire as to why, I was told that they changed their policy in XX/XX/XXXX and they will now take their full {$9.00} monthly maintenance fee regardless of if the money is there, potentially resulting in a negative balance. I was told that I received several emails about this policy change back in XX/XX/XXXX and even though they had my correct email address listed, I never once received such an email. If I had, I would have cancelled my account rather than stay with a company so morally bankrupt that they would force their customers into a negative balance just to get their money. I then spent several hours on the phone, speaking to several agents and at least 4 supervisors. Not a single one treated me like a customer who deserved their respect nor did I even feel like a customer at all. Nay, I felt like a dollar sign to them and not a single person was willing to do one courtesy reversal or at the LEAST, just return my account back to a XXXX balance, regardless of the fact that I never once received the proper notification. This is the only reason why I feel like I am owed 1 courtesy from this company, something I have never asked for before, because I was NOT notified of this HUGE policy change. I have spent 2 days and several hours trying to get this resolved directed with Card.com and they won't budge so that is why I am now filing a formal complaint against them with the XXXX and FDIC.
Consumer complaint received 2018-03-27
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 (GA)

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with Wells Fargo dealer services. The person that hit my car from behind insurance company ( XXXX ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with Wells Fargo, I paid for the GAP insurance through Wells Fargo as well. After the car was totaled I never saw the vehicle again. Wells Fargo was Paid by XXXX XXXX, Wells Fargo had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and XXXX and they arent even contacting Wells Fargo Dealer service because I receive updates like two days later saying investigations complete. Please help. I want Wells Fargo dealer services reported on my credit as paid in full because two different insurance companies paid them.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP. (CA)

I have sent a letter to 21st Mortgage Corporation on XX/XX/XXXX to state the following late payments reported to the credit agencies incorrect as follows : - XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be XXXX late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 60 days late reported to credit agencies. 
- XX/XX/XXXX 60 days late. XX/XX/XXXX payment was made on XX/XX/XXXX, it should be NO late reporting as it shows 30 days late reported to credit agencies. 

I received their respond letter dated XX/XX/XXXX stating that they're reporting correctly according to the payment history. Neither they didn't investigate thoroughly nor review the supporting documents that I've enclosed. Supporting documents clearly show the payment dates made and it weren't late. 

21st Mortgage Corporation has been very difficult to work with and they seem not to correct any mistake that they made even supporting documents provided. I'd greatly appreciate if someone from your agency can assist in this matter.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I visited chase on XX/XX/XXXX where I opened an checking as well as a saving account. gentlemen banker assisted me with a split counter deposit. all my receipts say deposit on the XX/XX/XXXX. Chase now claims that the deposit was done 2 days later on the XX/XX/XXXX. Chase also still hasn't explained to me how I had interest payments deposited into my account. and why I had Ann available balance of {$1000.00} XX/XX/XXXX and I was unauthorized to withdraw from my own account. I will post a scanned document that shows the interest deposit in my next complaint.