davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
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: DISCOVER BANK (MO)

I am writing to file a formal complaint regarding Discover Banks handling of my account and the inaccurate reporting by the credit bureaus XXXX, XXXX, and XXXX. The issues I am experiencing with Discover Bank are causing significant and undue harm to my credit and personal well-being, and I respectfully request the CFPB 's assistance in resolving this matter. 

Account Details : Issuer : Discover Bank Account Number : XXXX Reported Amount : {$2900.00} Date Reported : XX/XX/XXXX Account Status : Closed/Charged Off ( XX/XX/XXXX ) Key Issues : 1. Inaccurate Reporting of Account Status : Despite the account being marked as Charged Off since XX/XX/XXXX, XXXX, XXXX, and XXXX continue to report it as derogatory. This is misleading as Discover Bank has been informed of the circumstances around the charges on this account. 


2. Theft and Disputed Charges : My vehicle and credit cards, including my Discover card, were stolen in XXXX, Missouri. Following this theft, unauthorized charges were made on my Discover account. I reported this to Discover Bank, yet they have refused to acknowledge the theft and disputed charges. 


3. Mixed Communication from Discover Bank : Discover recently indicated they are considering issuing a 1099-C form to potentially forgive the debt. However, they have also stated that they still intend to pursue legal action against me for this disputed debt, which has left me confused and without clear direction. 


XXXX. Request for Accurate Credit Reporting : I am asking for CFPB intervention to ensure XXXX, XXXX, and XXXX remove the derogatory status from my credit reports. The charges were disputed and resulted from theft, which Discover Bank has refused to appropriately address or resolve.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , XXXX credit XXXX XXXX XXXX and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and XXXX XXXX XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (CA)

I applied for an online checking account with Chime and was declined. There is no legitimate reason I would be declined and Chimes response to the decline is their generic letter below : Chime logo We're sorry! 
Unfortunately, based on the information provided, we were unable to open a Chime Checking Account and Credit Builder for you at this time. Due to security reasons, our Member Services team is unable to provide you with any further information.
Consumer complaint received 2024-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (WV)

Fraudulent purchases on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to XXXX in the amount of {$570.00}. I filed a dispute and was denied. Contacted the West Virgina Attorney General 's office, XXXX and other entities to no avail. Chime would not tell me how my complaint was investigated. Also, my account was closed without my authorization.
Consumer complaint received 2024-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Essential Lending Inc (LA)

Account # XXXX Ive disputed this debt on many occasions with this company, in XX/XX/XXXX, in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ive informed the company to remove/delete this debt from my credit report, due to being affected by a Natural Disaster Hurricane. This debt is impacting my ability to rebuild, and Im and experiencing financial difficulties and hardship. 
This debt is reflecting a balance of {$380.00}, but has been sold. The balance should be {$0.00}. The company has also sold this debt to another lender. 

I am also a victim of fraud and have reported my case to The Internet Crime Complaint Center where my bank accounts was compromised. My personal information such as my ssn, is involved in several data breaches and on the dark web. 

I wish for this debt to be removed from my credit reports, due to to inaccuracy and potential fraud.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MEI AUTO FINANCE INC (GA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX Subject : Dispute of Inaccurate Collection Accounts with MEI AUTO FINANCE I am writing to formally dispute the accuracy of the collection account referenced in your records under the account number [ Account Number ]. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically under 12 CFR 1006.34 ( d ), I have the right to dispute any debt that I believe to be inaccurate. 

I would also like to draw your attention to 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which stipulates that furnishers of information must ensure the accuracy of the information they provide to consumer reporting agencies. I believe this account has inaccuracies that need to be investigated, and I request that you provide verification of this debt, including any documentation that substantiates your claim. 

Please provide me with the following : 1. The original creditors name and address.

2. The amount of the debt.

3. A detailed account of how this debt has been calculated.

4. Any documentation that verifies the validity of the debt.

In the absence of such verification, I request that you cease all collection activities and remove this account from my credit report. 

I look forward to your prompt response to this matter. Please send all correspondences regarding this dispute to my address listed above. 

Thank you for your immediate attention to this issue.
Consumer complaint received 2024-08-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Boek, Inc. (WA)

i had a XXXX at work and was taken to the hospital and im triple covered so it shouldnt of costed anything they told me i owed XXXX dollars and i paid it and no one has called me i just a letter ever couple months saying its not paid when i did and i called and left a message they never responded. now im talking to you guys just send me how to pay it again and i will i just wish there was more communicatio.
Consumer complaint received 2024-08-26
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Sage LLC (CO)

I typed in on XXXX a collection agency that has one of my debts and I called the first number that popped up as it said they were the collection agency, that company did not identify themselves as a credit repair company named Credit sage, took down a credit card and my personal information before telling me that they were not the collection agency
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MA)

I was an active customer on papal for the better part of a year and had not conducted any nefarious activity with my account, I did not break any rules and always complied with any requests that paypal would make that i do at any time. on XX/XX/XXXX, out of nowhere, at XXXX XXXX! I get an email that states my paypal account, that has well over {$4000.00} in it is limited. I then am very upset and conserned as they do not give any specifics to why this has happened, or what will happen to my funds in the account. I then get another email from paypal stating they are perminently closing my account at XXXX, mind you I am asleep and waking up to this insanely distressing news. Paypal also states in that email my {$4000.00} will be held by them with no interest being added for 180 days to cover any charge backs that may occur on my account. And that i would receive an email after the 180 days about how to receive my funds that were left in the account. We are now in XX/XX/XXXX! Paypal has NEVER sent me anyhting about anything! They literally have blocked my email from even resetting my password. essentially I am permenantly blocked and they have stolen my money! I want justice and my money asap! PLEASE HELP! 
This can not be legal that they have froEn XXXX of my money for over 3 years now please XXXX help me
Consumer complaint received 2024-08-23
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC (IN)

My payments are due on the XXXX day of each month and the calls start immediately after that. I spoke with someone on XX/XX/XXXX at XXXX pm to schedule a payment to be taken out of my checking account on the XXXX day of XXXX and received a confirmation email about this arrangement on XX/XX/XXXX at XXXX XXXX. I also paid {$95.00} in past due fees on XX/XX/XXXX. I also do not agree with the amount of interest that continues to accrue on my account as if I have paid nothing toward this original {$2000.00} loan according to my credit report. Since setting up the payment arrangement on XX/XX/XXXX for the payment that was due on XX/XX/XXXX to be deducted from my checking account on XX/XX/XXXX I have received multiple calls all day and evening from different people and different numbers continuing to inquire about a payment when I was told that a payment arrangement would stop the collection calls. I feel like it is harassment and mob activity at this point, and this has to be illegal. I can't even work without them calling my phone all day from multiple numbers. Some of the numbers do not even identify the company is calling and it could be anyone for all I know but they want me to verify my information. This entire situation has made me very uncomfortable, and I need help, please.
Consumer complaint received 2024-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (ME)

I am seeking credits from Citi for improperly calculated interest bearing balances and respective interest charged from XXXX - date XXXX. Payments are to be applied to the highest interest balance first. 

I have a substantial XXXX interest balance transfer, which comes due on XX/XX/XXXX. I have made regular monthly payments of not less than {$300.00}, and have supplemented with higher payments before the statement closing dates when interest bearing charges were made. 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$100.00} ; No interest bearing charges, no interest charged ( see statement pages ). 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$100.00}. Interest bearing charges of {$54.00} paid in full. Payment difference of {$240.00} should have been applied to XXXX interest balance. {$0.00} interest was incorrectly calculated and charged on {$44.00} ( see statement pages ). 

XXXX - {$800.00} payments composed of {$500.00} on XXXX and {$300.00} on XX/XX/XXXX ; minimum required payment {$100.00}. Interest bearing charges of {$570.00} + {$99.00} annual fee charged, totaling {$670.00}, paid in full. Payment difference of {$120.00} should have been applied to XXXX interest balance. {$9.00} interest was incorrectly calculated and charged on {$450.00} ( see statement pages ). 

XXXX - {$1300.00} payments composed of {$300.00} on XXXX and {$1000.00} on XX/XX/XXXX ; minimum required payment {$130.00}. Interest bearing charges of {$1400.00}, leaving an interest bearing balance of {$150.00}. {$30.00} interest was incorrectly calculated and charged on {$1200.00} ( see statement pages ). 

XXXX - {$300.00} payment on XX/XX/XXXX ; minimum required payment {$140.00}. Interest bearing charges of {$390.00}, leaving an interest bearing balance of {$94.00} + {$150.00}, the remaining interest bearing balance from the prior month. {$39.00} interest, composed of {$0.00} and {$39.00}, was incorrectly, respectively, calculated and charged on {$1.00} and {$1800.00} ( see statement pages ).
Consumer complaint received 2024-08-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

WELLSFARGO CLOSED MY ACCOUNT & I DONT KNOW WHY THEY ARE NOT TELLING ME WHY MY ACCOUNT WAS CLOSED AND I WANT TO KNOW WHY WAS IT CLOSED AND WHAT I AHVE TO DO TO OPEN IT BACK UP.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (RI)

I have tried to apply for XXXX XXXX forgiveness plan since XX/XX/XXXX. My XXXX XXXX XXXX was approved by the department of education since XXXX  of last year and Nelnet and Sloan Servicing were supposed to fiish processing the application. I had a XXXX  in XXXX of XXXX. My husband had a XXXX XXXX XXXX in XXXX of XXXX and he stopped working and was denied XXXX  so I was the only income and I have XXXX kids. So we are a family of XXXX. Hence why I applied for the program. Since my husbands accident. He has had XXXX XXXX  and has not been able to go back to work. I provided the documentation that they asked for me. My XXXX  and my husbands denial for XXXX. I called to check on the status of my application with Sloan Servicing and was told that they were missing my husbands XXXX  denial and I said that I had already submitted that. They told me that I needed to submit a new application and in XX/XX/XXXX I submitted a new application was again approved and submitted the documentation once again in the sloan system. I kept calling and they kept telling me that it was being processed and then finally in XXXX I was told that they need my paystubbs in order to complete my application. I uploaded the paystubbs while on the phone with the agent from Sloan Servcing, she verified that it was uploaded and said that I should hear from the income redriven application in 30 days. I just called today XX/XX/XXXX and was told that I now need to resubmit the XXXX XXXX application AGAIN!!! Sloan Servicing took over for Nelnet and Nelnet was sued for not processing applications for income redriven and now Sloan Servicing is doing the same thing to me.
Consumer complaint received 2024-08-13
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CT)

They are stating they wont take any payment at all unless i pay 10 % of the total debt first. On XX/XX/XXXX XXXX i spoke to someone regarding it and I told them i can afford to pay them XXXX a month but they said they cant do that until the initial 10 % is paid. They said they would converse to see what they could do and lowered it to 5 % for the initial split up into 4 months which is still too much for me. I then requested the loan documents from the original lender to be sent because I dont have enough information and Im trying to pay what I can afford and its not being accepted. I understand if thats the debt I owe but Im still trying to pay something and they arent accepting it until they get their percentage.
Consumer complaint received 2024-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I attended The XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX. The school promoted an 87 % chance of job placement after graduation. This turned out to be false advertising and the school ( Part of EDMC ) has been sued by the federal government and even recognized by President Biden as a bad actor. Due to this, my federal loans were forgiven by President Biden in XX/XX/XXXX. 

This, however, has had no effect on my private loans. My private loans totaled {$64000.00} when I graduated and due to hardship went above XXXX at one point. I made faithful payments every month of over {$1000.00} since XXXX ( increasing yearly due to the repayment program ). In total, since XXXX, I have paid {$130000.00} into these loans. I have held these loans in good standing the entire time and in XX/XX/XXXX I was able to make a lumpsum payment of {$3400.00}, finalizing my payments ahead of the XX/XX/XXXX payoff date. In late XXXX / early XX/XX/XXXX it was brought to my attention in a forum I follow that Navient was offering private loan forgiveness, through a program much like the Borrowers Defense to Repayment ( BDR ). Navient was aware of my attendance at a fraudulent school as I had submitted my BDR in XXXX of XXXX and had put my federal loans into administrative forbearance at that point ( this action involved numerous phone calls to the company with paperwork being sent that proved I was awaiting approval ). I am member of the post-class settlement in the XXXX case. I was never made aware of any kind of financial aid or forgiveness program regarding my private loans. Had I known about the forgiveness program I would have withheld my final payment and applied for forgiveness where I have numerous documents proving XXXX/EDMCs fraudulent acts.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ASTA FUNDING INC. (NY)

They keep calling my personal line and there calling my job kind of like harrasing they keep calling especially a girl named XXXX. They are trying to collect a debt from 13 years ago. Without giving me any information about what the debt is
Consumer complaint received 2024-08-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDMAN SACHS BANK USA (NJ)

I am the victim of identity theft. A XXXX  gained access to my email account and switched my landline phone to his/her cell phone and used that to access my XXXX Goldman Sachs XXXX account XXXX So far they have stolen {$150000.00}. I am not able to even prove to XXXX that I am the rightful owner of the account because the hacker changed all of my passwords.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

The following accounts should be deleted due to their violation of these provisions : - XXXX XXXX ( Miscellaneous Automotive ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX XXXX XXXX XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX - XXXX ( XXXX XXXX ) - XX/XX/year>. XXXX I request that these accounts be promptly removed from my credit report. Thank you for your attention to this matter.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

I was assaulted, robbed and hospitalized on XXXX XXXX. Wells Fargo states if going through a hard time they will help. They made it worse. I made an appointment around XXXX XX/XX/year> to talk to a banker. He said I could close my account. That was it. I filed XXXX escalated complaints and was contacted by XXXX from XXXX who offered absolutely no help. XXXX reduced XXXX overdraft fees. Of which total well over {$200.00}. Nothing was done or adjusted
Consumer complaint received 2024-08-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HILLTOP HOLDINGS, INC (CA)

My mortgage was sold or transferred to another mortgage servicer by PrimeLending ( XXXX XXXX XXXX  ). I have been trying to get them to reissue a check for funds left over in my escrow account for almost 2+ years now. The original check was issued on XX/XX/year> and was not deposited within 180 days, after which it is void. Hence the need for a replacement check. I reached out to PrimeLending and was directed to XXXX ( XXXX XXXX XXXX XXXX XXXX ). With great difficulty I was able to talk to customer service reps at XXXX. I was informed twice by XXXX customer service representatives that replacement checks were issued but I have not received them. I can no longer get through to PrimeLending or XXXX customer service because the automated phone system used by XXXX does not recognize the loan number or my SSN. It's impossible to get hold of a customer service rep through their phone line at XXXX or XXXX without authenticating. It is not possible to authenticate using non-active loan info. 

This is just plain awful customer service. Their online chat also doesn't provide customer service for mortgage issues, only technical support for login issues. I can't register for an account with their online system using the loan details since the loan is no longer active with them.