davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

On XX/XX/XXXX at XXXX XXXX, I withdrew {$20.00} from an in-network ATM. On my Chime account it said that I withdrew {$500.00}. I immediately called Chime and told them what happened and they told me to fill out their form and send it to them, but I would have to wait until XX/XX/XXXX just for a PROVISIONAL CREDIT! I told them on the phone, I can not wait that long! I have severe XXXX, XXXX, XXXX and have had multiple serious back surgeries. I am on XXXX and on a fixed income and have bills to pay! They gave me a credit on XX/XX/XXXX, just in time for my car payment on XX/XX/XXXX. Without notice they reversed my credit on XX/XX/XXXX and said there was no error! I said are you kidding me? Now my car payment got kicked back and I got charged {$30.00} for HAVING INSUFFICIENT FUNDS! I called Chime on XX/XX/XXXX and said I have the ATM receipt to prove it! The associate said that I was supposed to send the receipt to them as well. I told him that nobody told me that I needed to attach the receipt! He told me if I send the receipt that I will get my money back! I sent the ATM receipt immediately and I just called on XX/XX/XXXX at XXXX XXXX  and I was asked " did you get an email from us? ", I said no I did not. The associate said that upon reopening the claim with the ATM receipt I provided proving I only took out {$20.00}, they still decided that " no error occurred ". I was furious and said I gave you the ATM receipt proving I only took out {$20.00}. That is irrefutable evidence. He told me nothing else can be done that this was their " final decision ". When I thought things couldn't be any worse, they made my account go negative so I also lost my deposits of {$160.00}, {$160.00}, and {$50.00} because it went towards the negative balance because they reversed the credits that are MY MONEY! Now my car loan is past due and I am facing my car being repossessed! I can't afford to lose my car. I need it to get to my doctor appointments, pharmacy to get my medication and to get my XXXX treatments. Now my credit is going to be ruined as well! This is all due to Chime banks negligence!
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-12-31
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

I have a Received letter in the mail for a car loan becoming repo that I never owned. Im reporting identity theft. I only have one car on my credit report which is my XXXX XXXXXXXX XXXX I pay my monthly bill every month with that car. I dont own anything else. I would like this negative inquiry removed off my credit report.
Consumer complaint received 2021-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NJ)

I need assistance from your office asking Wells Fargo Mortgage to reinstate the initial Mortgage rate ( My loan is an XXXX ARM 30 years Mortgage loan, supposed to reset this year, XXXX or XXXX, XXXX  ) that they sent on their mail sent on XX/XX/2022. 
The XXXX XXXX ' they offered me on their XX/XX/XXXX letter was, 3.125 %, letter attached here. later on, they sent another mail on XX/XX/XXXX letter stating my new mortgage rate increased to, 5.25 % effective XX/XX/2022 from my current rate of 3.25 %. 
As a result of this rate increased by Wells, My new payment will be, {$4300.00}, effective XX/XX/2022, according to their letter dated XX/XX/2022. See below all details of my mortgage with Wells incl letter from Wells Fargo. 

Wells fargo sent second letter via dated XX/XX/2022 stating that your 'new rate ' is 5.25 % ( see attached letter named ; 'WellsFargo ... -New.pdf '' ). All of a sudden they reset my ARM Mortgage Loan to a higher rate, increased by 2.125 % from their initial letter ( see Attached named ; " estimated arm..pdf ''. 

I would like your office to intervene on my behalf asking Wells Fargo Mortgage to reinstate the prior rate of 3.125 % stated ( as my 'New rate ' ) that they sent to me via mail dated ; XX/XX/2022. See below all details and attached have their contact details and I have copied my Wells Fargo Mortgage XXXX, XXXX XXXX as well. 

Mortgage Details : Name ; XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Home Loan Financed by : Wells Fargo Loan No. : XXXX Wells Fargo Contact no : XXXX XXXX XXXX Wells Mortgage XXXX XXXX XXXX XXXX ( may no longer working ro Wells anymore ) Loan Type : 7 years ARM, 30 years Mortgage My Current ARM Rate : 3.25 % My current Monthly Payment : {$3.00} -- -- - New Rate ( as per Wells Fargo Mail sent on XX/XX/2022 ) : 3.125 % New Rate ( as per Mail sent on XX/XX/2022 ) : 5.25 % My Proposed Monthly Payment effective XXXX, XXXX  : {$4300.00} -- - Increase of rate 2 %, which is unacceptable. 
Increase of Monthly payment by : $ XXXX, Increase of that much is unacceptable, sice they initially informed me a rate that my loan will reset at, come XXXXXXXX XXXX 

Please help asap. They are trying to force me to pay this rate effectively, XX/XX/XXXX payment. You can reach me at XXXX XXXX for any questin that you may have Thanks XXXX XXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2018-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: D&A Services, LLC (IL)

On Tuesday,XX/XX/2018 at XXXX I was contacted by D & A Services on behalf of XXXX XXXX , I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic.

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
Consumer complaint received 2021-01-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CO)

When I purchased my town home in 2019 I paid the mortgage ahead a month for my own security.. In XXXX I maid more than half partial payment because I was ahead a month didn't think it would be an issue to just keep paying on my mortgage ... Wellsfargo took my partial payment put in a different account never told Me or applied my finds ... .I continue making scheduled full payments following my partial extra payment thinking everything was fine an I have a lil cushion if needed ... .I started receiving late payment notice in mail. I called they move my money I had no clue and they were not applying any of my payment saying that my extra payment was not added ... by the time I got this all figured out my security was gone an my mortgage went up an they made me pay additional XXXX to get them back on track when I was paid up w extra in bank NOT BEING APPLIED no one told me my money was moved no one told me I couldn't pay extra so for Me to.make an extra payment an it messes up my account is crazy to me I don't understand why no one would say anything I made all these payment in person at the bank an no one even.knew what I was complaining about when I came back to bank like they didn't even know about the account my money was moved to. Flash forward Corona hit and I had no cushion because of their negligence when we NEEDED IT.
Consumer complaint received 2018-12-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (AZ)

I started to take out loans XXXX and went to different schools and ended around XXXX. I have been trying to repay my loans the whole time. I found out I was battling XXXX   XXXX ( XXXX, XXXX and XXXX ) and it was hard to keep a full time career. Even though I have Higher education, it was these issues that kept me down. They first, did not tell me or inform me how to make proper decisons before taking out the loan. I also had XXXX XXXX and he kept using my social securtity number to take out loans. I kept telling them this and they refused to listen to me.Basically, because of all these i have been trying to get SS XXXX and became bankrupt during the process. I can not pay of any of it back and thus far have ruined my entire life.
Consumer complaint received 2018-12-16
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. (GA)

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX  failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX  - XXXXXXXX XXXX
Consumer complaint received 2018-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Last night I tried to get free credit reports from XXXX, Transunion, and XXXX. XXXX  was very helpful and we received their free credit report promptly. Transunion tries to get you to subscribe to a monthly paid service to obtain your credit report and Fico score. After multiple efforts, we finally were able to submit a request for a free report and they denied the request on the basis that they did not have enough information to confirm my identity. We paid off our last mortgage almost 24 years ago and I did not remember what the amount of the mortgage was. 

XXXX  told me that I was not entitled to a free report, in clear violation of Federal law. As a result I contacted the Federal Trade Commission, got the right phone number to get the reports from Transunion and XXXX, called that number rather late at night. A woman answered my call, asked me for some brief information, and said that I should receive the reports within 15 days. 

I initiated a Credit freeze wih XXXX after checking the Credit Report that they provided. This process was simple and quick. 

I get the impression that both Transunion  and XXXX  are gaming the system. They resent having to provide free credit reports as required by law.
Consumer complaint received 2018-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I had a Student Loan classified under Private Loan with Sallie May back in XX/XX/2004. After my XXXX program ended, I didn't get a job that would allow me to make the monthly payments on the loan. Instead of Sallie Mae to assist me in lowering my payments, I was tricked into forbearance and deferments. After the end of each deferment or forbearance, I would make payments for a few month but it was unsustainable and I would stop making payments and defer once again. 

All along, the loan kept accruing interest and increase. I would be called by their customer service and harassed and threatened. The loan accrued interests and it is now almost {$30000.00}. Now they changed their name to Navient but the loan amount is still increasing till date.
Consumer complaint received 2021-01-20
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. (NY)

Dear Sir or Madam : I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Consumer complaint received 2018-08-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: National Enterprise Systems, Inc. (FL)

This loan went into default. I have made several attempts to contact the case manager who if she isnt there I end leaving a voicemail that never gets returned. Then if I do get her on the phone shes rude and will not negotiate with me. In the past 6 months Ive offered amounts from {$250.00} a {$2000.00} just to pay up front and then setup a payment plan for the remaining balance. She is absolutely unwilling to accept anything less than {$4000.00}. I would ask her what my options are to negotiate with them, and her response is to take out a second mortgage on my home or withdrawal funds from my 401k at work! So I appropriate!! When Ive asked multiple times to negotiate something to setup an automatic debt she ends up hanging up on me. Then when I ask the company for another case manager, they just route me back to her. When I ask for a manager, I get routed to her again! I would think a company would take any amount of money to at least begin the automatic debt process.
Consumer complaint received 2018-12-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OK)

It started months ago but these are the most recent dates it was on XX/XX/XXXX and now XX/XX/XXXX. I use PayPal to send money to friends overseas. I normally use my bank account information because its a cheaper fee ( 1st fee on XX/XX/XXXX {$0.00} & XX/XX/XXXX fee {$2.00} ) to send using the Friends & Family feature that PayPal has but a few months ago and now on these two most recent dates I can not! With each transaction I get an error message " We are sorry, but we could not complete this payment, because it has been denied by the card issuer. Please retry with a different card or funding option to continue with the payment ''. The first issue with this is that I am not using a card ; I am using a routing number and bank account number. I have three accounts with PayPal and each one get 's this same error message even when using a different bank account information. I have called my banks to make sure the issue is not with them and they assured me it is not and that it's a PayPal issue. When I go back and use a debit card from the same accounts or a credit card with a higher fee ( XX/XX/XXXX {$4.00} & XX/XX/XXXX {$6.00} ) the transaction goes through with no problem, but I'm paying more money!! I have reached out to PayPal twice with no resolution and during one phone call I spoke to three different people they're phone reps have no idea what the problem is because they all have told me different things and its never the same story. I have not received an emails or letters from PayPal saying there is an issue with any of my accounts and restrictions has been placed!! I finally get a call from XX/XX/XXXX ( PayPal customer Solutions Support Specialist ) and she states that it is a PayPal issue and there are others having the same issue. She supposedly sent some type of request to their security department. It hasn't been resolved. She is supposed to contact me again on Monday XX/XX/XXXX. I feel like this is way for PayPal to get higher fees from consumers sending money overseas to friends and family. PayPal refuses to refund me any money due to this being their issue not mines. I feel like I'm forced to pay the higher fees using a debit card from the same bank. As I stated this problem started over the summer this year. Before then I had no problems using my bank account to send money via friends and family with PayPal. I do not have this issue with my bank account sending money here in the USA.
Consumer complaint received 2018-12-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (SC)

This company added a collection to my account for a debt which I dont owe. I tried to contact multiple times but I only receive a busy signal. I never received a bill or statement, just a collection added all 3 bureaus with no explanation of where the debt originated. All it states is " Medical '' on the collection however I have medical insurance coverage.
Consumer complaint received 2018-12-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I ALREADY PAID WHAT I OWE BANK OF AMERICA BUT THEY STILL HAVEN'T TOOK ME OFF XXXX  AND WHEN I ASK THEM WHY I AM STILL ON IT THEY TELL JUST TRANSFER ME TO ANOTHER DEPARTMENT AND ITS NEVER ENDING.
Consumer complaint received 2018-12-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TCF NATIONAL BANK (AK)

This company abandonment of interest in the car. The lending company still didn't provided no statements since XX/XX/2018 to present. The company lock me out of the account, they stated do to status of account. I mailed a check and they return my check ( XXXX, XXXX and XX/XX/2018 ). I sent the money order XX/XX/2018 and they return it. They never accept money orders or checks as stated in there XXXX   report. I ( VOLUNTARY SURRENDER ) the car. They still report it as open. They never updated. The balance never was reduce for being surrender.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I closed my XXXX 's credit card in XXXX, 2020 and in XXXX, 2020 I paid the credit card off in full. In XX/XX/2020 I was sent a refund for overpaying my account. In XXXX, 2020 XXXX 's charged my account ( which had been closed since XXXX XXXX {$11.00} and did not notify me at all. As a complete refund for the overage was sent to me in XXXX and the account was closed I still am not sure what the {$11.00} is for but in XX/XX/2020 they reported me 30 days late to the credit agency for the {$11.00} that they still had not notified me was due. I have an excellent payment history with this company and I have tried several times to call them but I get transferred or hung up on or told that they can not remove the 30 day late payment and another company reports for them. I asked to speak to that company and after being disconnected 3 times and having to call back and explain all of this over again to XXXX 's I finally get transferred and was told that it would be removed immediately. Then I receive a letter from XXXX XXXX saying that they can not remove it because the payment was late. Nothing about how the payment even placed in the first place or that I was not notified at all that something was put on my credit card that was closed and had been closed for months.
Consumer complaint received 2018-08-28
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. (NJ)

I submitted a credit inquiry dispute with Equifax online on XX/XX/2018. Two days later on XX/XX/2018, I received an email notifying me that the dispute was complete. Each time I attempted to check the status online, the website returned with this message : " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. 
Please try again later or contact us directly to check the status of your dispute. 
We apologize for the inconvenience. '' When I called Equifax, the representative indicated that I could not dispute a hard inquiry with them ( Equifax ) and that I had to directly through the company that reported it. 

Equifax did not do a proper investigation. In fact, they did no investigation at all. 
I contacted the below creditors and I have not received any proof that I initiated such inquiries, nor written authorization nor any permissible purpose. Since, I have received no authorization,