davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (NY)

My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.
Consumer complaint received 2024-09-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I have requested the following verification and validation for the debt in question and have not received any response. 
1. **Proof of the Debt**. 
2. **Account Statements** 3. **Verification of Assignment** 4. **Detailed Breakdown of Charges** 5. **Your License Information** See attachment for complete letter
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MS)

I XXXX XXXX am a natural person submitting this dispute. This dispute is not being submitted by a third party. I submitted a dispute letter to Lexis Nexius because they have violated my consumer right to privacy according to the law 15 USC 1681e ( b ) regarding a bankruptcy on file. I submitted a letter addressed from the United States Court that stated that do not report data to the credit bureaus or any third party agencies. Lexis nexius has ignored my efforts to remove this information from my credit file. Lexius Nexius has failed to do their due diligence to make sure my credit report is 100 percent accurate not negating the fact that they have completely violated my consumer rights to privacy being that XXXX and the United states courts do not verify information and it is the responsibility of the credit bureaus to make sure the information they publish on my credit report is100 percent accurate. simply matching a name and part of a social is not verifying information and doing their due diligence..
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I am filing this complaint regarding XXXX XXXX decision to close my account without providing any clear explanation. I have contacted the bank several times requesting reasoning for this action, but their responses have been vague and non-specific. This lack of communication is creating unnecessary hardship for me as I try to manage my finances. 

My account was always in good standing, and I believe I am entitled to know why this action was taken. Furthermore, my attempts to open a new account with Wells Fargo have also been denied, with no proper justification provided.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FC HoldCo LLC (FL)

XXXX Statute 501.976Actionable, unfair, or deceptive acts or practices.It is an unfair or deceptive act or practice, actionable under the XXXX Deceptive and Unfair Trade Practices Act, for a dealer to : ( 3 ) Represent the previous usage or status of a vehicle to be something that it was not, or make usage or status representations unless the dealer has correct information regarding the history of the vehicle to support the representations. ( 9 ) Obtain signatures from a customer on contracts that are not fully completed at the time the customer signs or which do not reflect accurately the negotiations and agreement between the customer and the dealer. Add to the cash price of a vehicle as defined in s. 520.02 ( 2 ) any fee or charge other than those provided in that section and in rule 69V-50.001, XXXX Administrative Code. All fees or charges permitted to be added to the cash price by rule 69V-50.001, XXXX Administrative Code, must be fully disclosed to customers in all binding contracts concerning the vehicles selling price. These particular sections explain the deceptive acts of practices from both the dealership and Flagship Credit whom cant produce every original document Ive requested for the alleged vehicle, regarding the price. How does XXXX go to XXXX And most importantly ( 10 ) Require or accept a deposit from a prospective customer prior to entering into a binding contract for the purchase and sale of a vehicle unless the customer is given a written receipt that states how long the dealer will hold the vehicle from other sale and the amount of the deposit, and clearly and conspicuously states whether and upon what conditions the deposit is refundable or nonrefundable! Now with this particular section ( 10 ) and one of many I can post that violates my consumer rights, I was provided with a copy of a receipt from the dealership from which the car was purchased and heres the catch, it has NO SIGNATURE! IT says over the phone. What in the XXXX is over the phone supposed to mean on a signature line?! How do you even validate/ verify such thing?! Also noted that if I were at the time required to put down a {$500.00}, where are yall getting a {$3500.00} deposit as noted on the contract from? The math is not mathing. 

Violation after violation. See ya in court, because clearly this matter is out of my hands.
Consumer complaint received 2016-08-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services (MI)

I have spoken with them on the phone, first they offered a settlement and I asked to put it in writing, they sent me one via email say I owe millions dollars which was not correct. I asked them to send a corrected one, and a validation of debt owe, alone with they have legal rights to collect, inside that letter I stated no phone calls, and everything in writing.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (NJ)

I signed a promissory note that I would make a payment of {$370.00} on XX/XX/2024 for my Credit Card ( also with Wells Fargo ). I made the payment earlier on XX/XX/2024. However, on XX/XX/2024, Wells Fargo still took the money from my Wells Fargo XXXX account. I called and told them that I had already paid and to stop all automatic payments because they were no longer necessary and to reverse that payment of {$370.00}. A few days later, it was reversed. The problem should have been resolved right there, but it wasn't. The following week, XXXX XXXX, I was charged again for {$370.00} even after I told them I didn't have a payment due, that I cancelled all automatic payments, and asked why they are still charging me. These conversations weren't all nice either, I had representatives hang up on me, argue with me as if I'm lying, I kept getting bounced around to different departments, a complete and total nightmare. Again, I told them that I need that money reversed and that I already cancelled all automatic payments and they said that my money may be reversed in a couple days. It is now almost a week later, and that money is just completely gone and has not been reversed. I then spoke to another representative, and they told me that I MAY or MAY NOT be getting my money back due to how everything is set up. What does that even mean? They took {$370.00} from me and now I MAY NOT be able to get it back? This has been going on for two weeks now! I WANT MY MONEY!
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This complaint is my own, regarding late payments on my credit record. I've found these late payments after checking my records. I sent letters about this over 30 days ago, but got no response or proper validation. I need your help to solve this quickly and effectively.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

I started the process to Bankruptcy but I never went to court to complete the process. I did not go to court either times because I did n't want to go thru with the process. It appears twice on my credit report and I would like it removed as it is showing public record and it is affecting my credit score.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ATG Credit, LLC (CA)

Filed previous complaint ( # XXXX ) on this entity and asked that they provide information on that debt, creditor and verify it. They indicated that the item would be removed while they investigated it. It never was removed, they submitted a spreadsheet as verification of the debt and no contract or other recognizable documents to verify its authenticity. They continue to report the item as valid, and have altered their name to report it yet again, as XXXX separate listings. Looking at the information they provided shows that the item originated in XX/XX/XXXX, not in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX as they have reported. This information is being falsely represented as current and accurate but given that it originated in XX/XX/XXXX it is well beyond its reporting period and should not be showing up as a current item.
Consumer complaint received 2016-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IN)

I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (MO)

I received a email that my security interest was deposited on 09/08/2024.i never received it. I've only received one back in XXXXXXXX XXXX XXXX XXXX. I'm not receiving the security interest that I'm suppose to be receiving. It's all lies coming from this company so much fraudulent activity on my account with this company and the waving of bank fees as time.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment XXXX XXXX XXXX XXXX XXXX -Late Payment XXXXXXXX XXXX XXXX XXXX -Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (VA)

I am writing to formally request the removal of inaccurate information related to closed accounts on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I noticed that the following closed accounts are inaccurately reported : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$16.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name XXXX XXXX XXXX Account Number : XXXX Amount : {$0.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$0.00}
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

In XXXX, my credit report shows two different amounts from Ed Financial. I have emails from Ed Financial confirming one of the amounts, but my report shows much more than they confirmed. I disputed it with XXXX and they denied it. They claim they only enter what Ed Financial tells them. They kept both amounts on my credit report. Both XXXX, and Ed Financial keep sending me to talk to each other with no resolution. This additional amount shown in my XXXX credit report is affecting me and nobody is helping me resolve the issue.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Delinquent account — 
Company: P&L Acquisitions LLC (FL)

I am receiving debt calls and letters stating I am going to be sued. They have even called my partner on his cell and home numbers. I am told I owe {$2100.00} from 2008. I have asked for proof, but none received. I did n't have a card then. The company is P & L Acquisitions. My partner told them not to call him again, but they are calling daily.
Consumer complaint received 2015-08-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Due to my financial hardship I was behind on my first and second mortgage payments. After some time, Green Tree, the servicer of my second mortgage got a judgement against me for the amount owed on the second mortgage in XX/XX/XXXX. They approached my employer and began wage garnishment in XX/XX/XXXX even though the house was still undergoing foreclosure review by the first mortgage company. The foreclosure sale of the property eventually took place on XX/XX/XXXX, two months after the wage garnishment had started.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Here 's a revised draft of your request : -- - To Whom It May Concern, I am writing to formally request that JPMorgan Chase, through the Consumer Financial Protection Bureau ( CFPB ), acknowledge a critical error in their response to my complaint, [ case no. XXXX ] In their response, dated XX/XX/2024, Chase incorrectly referenced the date of the cashier 's check in question as XX/XX/2024. However, both my original statement and the check itself clearly state the correct date of XXXX XXXX, XXXX. This discrepancy must be corrected, as attention to detail is crucial in this matter, and even minor errors can have significant implications. 

I respectfully request that Chase issue an updated letter reflecting the correct date and ensure that all parties are made aware of this correction. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (GA)

I received a alert from all XXXX credit bureaus that a new account hit my report causing my scores to drop dramatically. The collection was from XXXX which was removed earlier this year. I received no documentation validating this debt from the original creditor which is a violation of the FCRA. I would like for this to be removed from all XXXX credit files.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

In XXXX XXXX XXXX wells Fargo took XXXX dollars from my acct and then closed my acct, so that I couldn't even see the transaction to dispute. I had the clear access banking which doesn't allow you to overdraft yet alone withdraw money from ATM. I clearly stated this to agent who vehemently said that I overdraft that large amount and I know for a fact that I can't even overdraft XXXX XXXX
Consumer complaint received 2024-07-31
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. (KY)

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX  XXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-09-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC (NJ)

Hi, my name is XXXX XXXX. I applied at RocketMortgage for a home loan. I requested a loan estimate from XXXX XXXX ( Senior Loan OfficerNMLS # XXXX ( XXXX ) XXXX ). I provided XXXX with the home purchase price and taxes. I was also approved for {$420.00}, XXXX with a 10 % down and received a verify letter from their underwriter. XXXX advised that in order for me to receive a loan estimate I would need the seller to have accepted my offer.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (MN)

What I want is copys of the most current payments taken from my XXXXXXXX XXXX XXXX XXXX. 
I am not going to say anything else as I asked for these in last complaint you never sent them.