davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
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: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ] Account Number : # XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. I am writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Wells Fargo account. 

I want you to know that I understand my financial obligations, and if it were not for divorce expenses, I would have an excellent repayment record. I made a mistake in falling behind, but since then, I have changed careers with higher wages, the divorce proceeding are done and I no longer have the vehicle that was financed through WFDS. 

I am planning to apply for a mortgage within the next year, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it does not reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX. 

Thank you for your consideration, and I hope you will approve my request. 

Best, XXXX XXXX
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (IL)

I received an alert on XX/XX/18 from my credit monitoring notifying me that this account ( XXXX XXXX XXXX ) has been closed by the creditor without any notification. I have not received any documentation, statements, letters from this bank in years. The credit card was in great standing and I would have used the card more often had I known this would have occurred.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
Consumer complaint received 2021-02-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (NY)

The following EMAIL complaint was sent to Discover Bank on! XXXX with no response. 

XXXX I would like to inform you about your negative customer service. Around XX/XX/XXXX I notified customer service that one of my IRA accounts was not posting any interest since XX/XX/XXXX. I received a message on XX/XX/XXXX that the problem was escalated and the interest would be posted in 2 or 3 days. 

On XX/XX/XXXX I faxed an IRA distribution request to close the account in XXXX because I would not be required to pay any income tax this year versus next year when my tax rate will be high. 

On XX/XX/XXXX I called to verify that the distribution was being processed and was told you will not process the distribution until they resolves the interest problem at a later date. I told them this is unacceptable and demanded they close the account in XXXX or I will file a complaint with CFPB. 

Towards the end of day XX/XX/XXXX, I received a call informing me that they will close the account and asked me to select an option for the claw-back of interest for XXXX & XXXX in the amount of {$23.00}. The options were withdrawing the funds from another account or reducing the payment payout. 

It is very cheap and greedy of Discover Bank to be more concerned about {$23.00} rather than the importance of distributing my funds and the inconvenience caused in addition to the value of my time spent reporting the problem and trying to get my IRA distribution processed. As a XXXX year old client I do not appreciate the stress you caused. It is amazing that Discover Bank worth billions of dollar will do anything, regardless of how it effects the client to recover a few dollars that may have lost through their own fault. 

I would like to know how you justify your intentional delay of distributing my IRA funds.
Consumer complaint received 2024-10-14
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. (CA)

Please see the attached letter from the FBI that I received on Friday, XX/XX/year>. I am forwarding it to you as additional information regarding my unfortunate situation that occurred last year for your understanding and consideration. Sincerely, XXXX XXXX
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX Citibank made an unauthorized hard inquiry on my credit report. I did not authorize this credit inquiry in any unmistakable way. I had recently opened a new credit card with Citibank with a lower credit limit than I expected. I called Citibank to inquire further about it and explicitly told the representative I was speaking with on the phone that I did not want to process a credit limit increase if it meant that it would be processed as a hard inquiry on my account. The representative assured me that the request would not be processed as a hard inquiry ; however, it was. This hard inquiry resulted in my credit score dropping NEARLY XXXX POINTS. 

I've called Citibank numerous times to rectify the situation and can not get a supervisor to speak with me. I was advised to write a letter to Citibank 's Credit Bureau Dispute Unit. On XX/XX/XXXX I wrote a letter to Citibank disputing the error on my credit report. I told them that I did not authorize the hard inquiry and to please remove this unauthorized hard inquiry from my XXXX  credit report. 

In a letter dated XX/XX/XXXX, Citibank responded and said that they " have requested that the consumer reporting agency ( ies ) change the inquiry dated XX/XX/XXXX on your credit bureau report, as you requested. '' I have submitted several disputes with XXXX  to no avail. On XX/XX/XXXX and XX/XX/XXXX, I faxed and mailed, respectively, a copy of Citibank 's XX/XX/XXXX response to XXXX. XXXX  has still refused to remove the unauthorized credit inquiry from my credit report.
Consumer complaint received 2024-09-13
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. (AZ)

During the XXXX Recession, I contacted Navient to decrease my monthly payments to make ends meet. The representatives did not offer a payment plan based on income. Rather, they just offered a forbearance option that started on XX/XX/XXXX. My wife and I took the offer, as we were desperate to stay financially afloat. Each quarter the interest was capitalized ( titled : Capitalized Interest Forbearance Quarterly ). The last forbearance transaction was XX/XX/XXXX. Since then, we made monthly payments with the option for them to allocate the funds between the two consolidated FFELP accounts. With an interest rate of 7.5 %, since XXXX, we have paid nearly {$190000.00} in interest for a total principal of {$140000.00}. 

When my wife started taking courses at a XXXX college ( XXXX ), Navient automatically put our account into deferment without our request or permission. My wife called them to stop and we intend to continue our payments. 

We appreciate CFPB 's efforts in righting these types of wrongs. We hope to receive some reimbursement from the settlement.
Consumer complaint received 2021-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NJ)

I writing in regards to Chime bank ( XXXX XXXX  ). Mainly in regards to faulty customer service practices and a heightened amount of account suspensions and closures in the middle of a pandemic when assess to funds are critical. With this being my primary bank account i have been cut off from all funds and assess to my personal information with no concrete information as of why even though i verified my identity on two separate occasions when prompted to do so. On XX/XX/XXXX upon receiving a new t elephone number i notified chime and provided proof of id and ownership as requested to do so and was told my number was changed. The chime app is the only method if assess to monitor your funds and a user is often forced out sometimes being mysteriously let back in. On XX/XX/XXXX i was once again being forced out of the chime app i was prompted to manually change my number that was supposed to be changed in XX/XX/XXXX by chime to gain assess. i was asked for identifying factors which i provided then asked to provide a code sent by text to my telephone which i tried to do 5 times before calling customer service. I called customer service and asked what the problem was which was never answered asked yo send identifying info to support which i did. I waited several hours to assess my account again to pay bills and was notified that my account was suspended I emailed and was prompted to send further id to which provided again. I have emailed and called on XX/XX/XXXX, XX/XX/XXXX on which i was told my problem. was being escalated and would be solved in 24 hrs, XX/XX/XXXX to no avail even speaking to supervisor XXXX the would not tell me why my account was suspended offered no support and told me to email. I now have no XXXX to unemployment monies which took five months for me to receive In the middle of snow storm and pandemic. I am confused. And without out funds that are mine. I am also unable to monitor my account for fraud and theft. This is happening to others too.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

On XX/XX/2019 I started bankruptcy chapter XXXX pro se and in the midst of it I chose not to move forward. So I toughed it out with my creditors continuing to pay my bills on time. I spoke with the Bankruptcy court and it shows that i didn't turn in the proper paperwork to moved forward. A third party Lexus Nexis is reporting the information inaccurately without knowing all the facts.
Consumer complaint received 2024-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY (VA)

My uncle XXXX XXXX XXXX had a line of credit with Wells Fargo secured by his residence, XXXX XXXX XXXX XXXX XXXX XXXX  My uncle passed away on XX/XX/XXXX. His wife, XXXX XXXX XXXX, predeceased him. There were no surviving children, grandchildren, etc. In XXXX XXXX XXXX, my cousin and I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX visited Wells Fargo in XXXX to determine what, if any, accounts were open. We were told that there were none in our uncle 's name. 
The residence passed to my XXXXXXXX XXXX  and me by operation of law at my uncle 's death. In XX/XX/XXXX we entered into an agreement to sell the residence. The title company identified that there was a line of credit on the property and needed a letter releasing the lien. Multiple calls and visits to Wells Fargo went no where. Wells Fargo has been provided with the death certificate, deed of trust, SSN and other information ( by my cousin, our attorney and me ) but thus far has refused to release the lien without the account number. We do not have an account number and until that time did not know an account existed. I did find a receipt for payment of a balance in XXXX, and our attorney forwarded this to Wells Fargo, but the account number on the receipt was shorter than the required number. 
The prospective buyer has been very patient thus far, but we do run the risk of the contract falling through if this one outstanding item can not be provided. Even if we are able to find another buyer, we will encounter the same problem with another title company.
Consumer complaint received 2021-01-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery One, LLC (FL)

I have disputed this debt with recovery one llc on XX/XX/XXXX. I requested a validation of the debt. I never received a response. I again sent a certified letter on XX/XX/XXXX. I did not receive a response again. I contacted all 3 credit bureaus with the dispute. It was removed from my XXXX  credit report. I sent another certified restricted letter to recovery one llc for debt validation on XX/XX/XXXX. I still have not received a response.
Consumer complaint received 2024-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (OH)

OK, I have contacted best egg Buy phone four or five times with no resolve Ill say do or say is that what it is that is the way it is so I would say that Ive contacted them on the origination fee. They charged XXXX times XXXX XXXXXXXX of every month I called them and asked them. Why has this not been resolved and given them back with no response
Consumer complaint received 2015-12-22
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Brock & Scott, PLLC (VA)

Debt Collectors are attempting to steal my home after the debt has been discharged lawfully in a Chapter XXXX bankruptcy. Discharge paperwork lists mortgage as fully discharged. Interlopers are trying to force me out of my home with threatening unsigned letters. I have made numerous requests for the full account loan data which have been ignored. I have also sent FDCPA Validation Letters that have been ignored.
Consumer complaint received 2021-01-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-01-30
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (WI)

After 11 years of litigation, 3 bankruptcy actions ( two Ch.XXXX  's and a Ch. XXXX ) against Wells Fargo Bank, N.A., Wells obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " Wells Fargo XXXX XXXX XXXX ''. Wells was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX XXXX XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " MERS '' letter only back in XXXX. I have proof of that bribe. 
XXXX  ( XXXX XXXX ) sold to XXXX XXXX XXXX, who contacted me in XX/XX/XXXXseeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the XXXX FORECLOSURE property left to rot and deteriorate. Wells Fargo and XXXX are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in XXXX. THERE IS NO DEBT!
Consumer complaint received 2024-09-13
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: Chime Financial Inc (NY)

For nearly a year, I have tried to cancel XXXX, but it never goes away. they make it impossible to cancel, telling me I have to bring my account to a XXXX balance, but then they don't make this possible. They say stuff like you have to withdraw funds, etc, but if I do that, it charges me a fee to them, it's a never ending cycle. I have told them this repeatedly as well as chime, i have contacted them numerous times requesting they block XXXX all together, each time they told me it would never happen again, but it keeps happening as recent as this morning. At this point, I believe XXXX owes me XXXX a month for the past XXXX  months.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Zillow Group Inc. (CA)

The company didn't disclose until after signing a contract that a judgment would hold up the closing process. About 15 days away from closing I need to pay {$6800.00} in a civil judgment in one payment and provide them proof of it. Since it was short notice I had to sell my car and not spend any money for the closing month to come up with it. 

The loan XXXX XXXX XXXX wanted proof of the sale, title and bank statements. The collection agency refused to provide any proof of what I owed and everything was over the phone. I told XXXX XXXX and she told me that I couldn't provide legal advice. She said to speak with my real estate agent. I asked her " Who dropped the ball on this? ". She told me no one and that I asked in the prequalification questionnaire. I said that the company had all my information including my name and address incorrect so I never about the judgment against me. 

Also, what was the point of asking me if Zillows underwriter was going to check anyway toward the end of closing? So after paying the deposit of {$2200.00} plus wire fee, home inspection {$320.00}, termite inspection {$81.00} and a loss of {$1000.00} from my car sale. Im out almost {$3800.00} for sometime that could have been prevented. I've been stressed out throughout this whole process and the best I was offered was excuses. I want to share my experience so that this doesn't happen to anyone else.
Consumer complaint received 2024-09-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK (TX)

Midland Mortgage is holding my loss draft money to complete my house repair after water damage. I fired a contractor who called the mortgage company stating that I owe him money. This is far from the truth. I have sent all of the documentation to prove that I owe him nothing. He has followed the legal process to file a mechanics lien on my home. He does not have a signed contract by myself and my wife ( which is Texas law on a homesteaded property ). A contractor should not be able to call a mortgage and lie about this! He hasn't even given them a dollar amount that he is requesting and yet the mortgage company is refusing to release my money to the new contractor that finished my home. I need this money so the new contractor can get the money he is owed!! I don't know what else to do?
Consumer complaint received 2018-05-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I made a Bank of America ATM deposit of a XXXX XXXX check in the amount of {$1500.00} on XX/XX/XXXX. XXXX XXXX cleard/paid the check in the full amount on XX/XX/XXXX. Bank of America refuses to release the hold or make any effort to help me expedite or resolve this issue. Furthermore, they will not make funds available until XX/XX/XXXX. I have accured NSF fees because of this poor decision.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My last payment for this automobile was made XX/XX/2015. The car broke down on XX/XX/XXXX. I notified the car lot on XX/XX/XXXX. The car shows as a repossession on my Transunion credit report. At the time I owed under 4k. The car company never contacted me to say they retrieved the car, offered me an amount to get the car once they repossessed it, the car lot did not let me know that the car was sold to someone else and did not take the amount they sold the car for from the balance I owed. My credit report show I owe {$7500.00}. This amount is incorrect. The car is currently for sale by the same owner just at a different lot.
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (FL)

Well, I received a loan from inbox loan company on XX/XX/2018 for the amount of XXXX. At that time I wasnt aware that annual percentage rate was 780 %, Ive made payment my first of XXXX   on XX/XX/XXXX but after that payments have been XXXX  on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and at this rate if I dont pay off the XXXX  plus XXXX Im one full amount i will be making XXXX every other Thursday until XX/XX/XXXX. Ive already paid back more money than i received from them but The payments are becoming a problem and I feel like i was taken advantage of because I didnt know it would be this hard to make balance the payments with my regular bills.
Consumer complaint received 2024-09-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (FL)

I am a retired, XXXX veteran who served 30 years in the XXXX XXXX. I received treatment for my XXXX while on XXXX XXXX, which ended in XXXX. The treatment that was used was called XXXX, which is a form of ketamine. While on XXXX XXXX, my treatment was covered, and when I retired, I struggled with my XXXX and XXXX. I sought treatment with a company called XXXX. I was told my XXXX XXXX  covered it, and I would only have to pay a deductible, which I did during each visit. I received a bill from XXXX XXXX which stated I owed a large sum of money for the medication, which went directly to the doctor 's office and was only used during my visits. I informed the doctor 's office that I had received a bill for a large amount of the ketamine medication, but I was never given the amount and dosages on the bill. They told me they would clear it up and apparently never did because my credit report is now in collections. I firmly believe the medication that XXXX sent to the doctor 's office was given to other patients or distributed in different manners ; either way, I was never directly in control of the medication until it was given to me at the doctor 's office, I was never administered the amount of drugs that I received a bill for, and now had been sent to collections.