davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica (AZ)

I called to request a replacement card. I stayed on the phone for over 2 hours verifying my personal information, address, number, previous card numbers etc. When I was asked to provide old addresses I was not able to do that. For this reason, I was told to " go and figure it out. '' I have tried everything I know to do to get a replacement card. I am XXXX. I do not have money for food or housing. I have not had access to my benefits for more than 2 weeks. Direct Express does not care about us! 

Direct Express is the worse company to work with. They will not allow my advocate to assist me with getting my card. I receive XXXX XXXX  along with other medical and XXXX XXXX  assistance. It is very unfortunate that the people working at Direct Express are not expected to handle those of us who have a XXXX with better care. I am asking that you please assist me with getting a replacement card so that I can take care of my basic needs. Direct Express will not help me. I can provide proof of identity if needed. Direct Express will not even speak with a representative from Social Security who can confirm and validate my benefits. I have tried everything. Please Help!
Consumer complaint received 2024-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (MD)

I made a payment to Mr Cooper mortgage company for a payment that included past months interest and additional payment to principal to satisfy balance of mortgage in the amount {$12000.00} with XXXX towards principal. I indicated payment on coupon provided. They would not cash check. They said they required certified funds. Checking account had more than enough of check. In addition check has not been returned. Customer service Agent from a call center could not help me. I told her I would file a complaint.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AR)

I paid my bill of {$310.00} in full and they credited to the wrong account which had XXXX balance so now it's showing a negative balance. I called on XX/XX/XXXX to have it corrected and they said they would. As of XXXX it had not been fixed so I called again and they once again said it would be corrected. As of XXXX it still hasn't been corrected pus they added a late charge. I called again and they said it would take up to 14 days.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

wF provided fraudulent data to creditors to justify illegal activity. Its showing I opted out in 2019 of my credit card reporting NEVER past due for my WF credit card account. I never even knew opt out was an option until this year. Wells Fargo has been illegally covering their fraudulent ways to justify closing two of my cards with them. I saw this on XXXX credit reporting and never knew this happened. Why wouldnt I want to show positive credit report history on my accounts? It doesnt make sense to opt out of a card that is in a great standing. Please once again CFPB please look into this. Like I mentioned before I have done business with this company since it was called Wachovia and they should be ashamed. And my phone number they have listed is inaccurate and like I stated I had them since they was called Wachovia this was a blsntdbt behind the scenes racketeering attempt to sabatoge my credit on purpose to give purpose behind them closing my accounts
Consumer complaint received 2024-06-05
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX WELLS FARGO XXXX XXXX XXXX XXXX, MN XXXX XX/XX/2024 Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 3 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I tried to pay my mortgage online on XX/XX/XXXX. I could log into my online account but could not make a payment online or access my information so I called Citizens and made the payment through their phone banking system. I then talked to someone about fixing my online account, but was transferred multiple times and still did not get the problem resolved. I spoke to several supervisors and multiple employees, and was on hold a total of about XXXX hours throughout a weeks time from XX/XX/XXXX through the XXXX Today. My issue with the online banking system is still not resolved.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC (IL)

I'm filing a complaont against destiny card for mishandling my fraud case I filed a fraud case XX/XX/XXXX with destiny card letting them know I never received my card in the mail ending in XXXX and that the card had unauthorized charges on it on my account I reported the charges and destiny card has yet to reversed them I told I had no access to the card cause I never received it now they have my account in the negative because of this issue I have the charges listed below and would like a investigation in this matter to be resolved with this issue
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-01
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)

I HAVE PREVIOUSLY DISPUTED ( Bankruptcy XXXX  XXXX / Reference number XXXX ) WITH EQUIFAX, AND IN RESPONSE, EQUIFAX VERIFIED THE ITEM AS ACCURATE, STATING THAT THEY HAVE VERIFIED THE INFORMATION WITH THE COURT. 

I CONTACTED THE COURT, AND THEIR RESPONSE IS ENCLOSED. 
IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE. YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 

EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY. 

I EVEN CONTACTED XXXX AND ASK THEM IF THEY VERIFY THE BANKRUPTCY WITH EQUIFAX AND THERE ANSWER NO THEY DID NOT VERY IT WITH EQUIFAX BECAUSE THEY DONT HAVE IT ON THERE REPORT AND EVEN THEY DID DISPUTE IT WITH EQUIFAX TO REMOVE IT. Still, EQUIFAX DID NOT RESPOND TO XXXX!! ACCORDING TO XXXX THE BANKRUPTCY IS UNVERIFIABLE AND HAS TO BE DELETED FROM EQUIFAX REPORT... 

PLEASE FIND THE ATTACHMENT FOR MORE INFORMATION. 

Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case, BEST REGARDS XXXX XXXX.
Consumer complaint received 2022-11-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX XXXX  without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OH)

Chime hasn't been helping with my dispute for XXXX dollars. Someone took out a ATM and added my debit card to their XXXX  back in XXXX XXXX.I had to keep reopening this claim to try and my hardest to prove this wasn't me. I sent over my ftc identity theft report my police report stating that this wasnt me. Chime told me they found no error in the transactions so they couldn't help me. The transactions on my account says I added cash to a XXXX  that wasn't mine. None of this wasn't me and caused harship for me as well. I really need this handled
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

A company called XXXX XXXX opened a fraudulent acct in my name and charged XXXX i contacted the credit card issuer synchrony bank multiple times and even sent them a police report and they still do not remove the acct from my name. The card was called synchrony XXXX XXXX.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (MI)

I declared XXXX XXXX years ago, with a 100 % repayment plan. My student loan administered by Nelnet was included. My XXXX was XXXX a little over a month ago, after a period of time ( XXXX weeks ) for my creditors to tell the trustee if the debt was not repaid. Nelnet did not do this, as my bankruptcy was successfully XXXX. Today I got a bill from Nelnet saying that I still owe {$4400.00}. I called, and was told that there was a XXXX loan that was not included in the bankruptcy. I paid back nearly {$75000.00}, which is more than what my XXXX loans ( subsidized and unsubsidized ) were for at the time of bankruptcy was declared. I consolidated my loans, so there were no random {$4400.00} loans lying around. 
I called Nelnet today, and eventually spoke to an Account XXXX, and asked for details why they were claiming I still owed them money. They would not tell me which loan ( subsidized or unsubsidized ) was still not paid in full and they would not give me a name or phone number for my lawyer and Trustee to call. They told me that I have to go back to my lawyer and the Trustee to handle this, and my lawyer and the trustee have to call a XXXX phone number to contact them.
Consumer complaint received 2024-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (WI)

I requested a loan modification and in XXXX, i received the first set of papers that needed to be notarized. I completed the paperwork and sent it back in the XXXX they sent. They returned the paperwork saying i was missing a signature and so i did it again and sent it back in the XXXX. Then in XXXX, they sent it back again and then i called. 

So i called to find out what was missing and that's when i was told that i needed the notary to write " XXXX XXXX XXXX XXXX XXXX. XXXX On XX/XX/XXXX, i went to my bank and completed the notarized signature for a XXXX time and sent it in the XXXX they sent me. Then on XX/XX/XXXX, i received notice that they didn't receive it and they were revoking the loan modification agreement and putting me in foreclosure. 

When i called, they said that they never received the paperwork and there was nothing i could do. My mortgage payments from XXXX and XXXX were received but it was being held due to my being in default. XXXX was told that i need to apply for the modification again and pay off the amount owed which is approximately $ XXXX. i clearly don't have it. 

I find it interesting that they received the first 2 documents but not the third. 

I have also not gone by XXXX XXXX since XXXX and have never held a mortgage in my own as XXXX XXXX. Nowhere in the paperwork does it say " XXXX XXXX XXXX XXXX XXXX '' or " XXXX XXXX XXXX XXXX XXXX. '' I also didn't send it certified because i used the XXXX that they sent me. 

In the paperwork I signed, it said XXXX XXXX XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc. (TN)

Online Information Service Collection Company Violated My Consumer Right 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates. 
Resulting in a violation fine {$1000.00} Fine Per Account. 

The account " Online Information Services Acc # XXXX '' was removed from my credit profile as agreed. I am Still owned the Violation Fine of {$1000.00}. Paid to XXXX XXXX Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience ( 15 business days ).
Consumer complaint received 2024-02-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (SC)

I just found out yesterday about a unrecognized negative from Agency name Carter Young claiming I owe {$2500.00} at XXXX XXXXXXXX XXXX 6 years ago. I contacted the XXXX XXXX XXXX in person and confirmed with them I dont owe them since XXXX till now. The Manager even checked their computer system pulled up all records from XXXX till XXXX and still no records of me owing them. This is a huge mistake that affecting my personal credit and should be investigated and taken off from my credit that is falsely reporting I owe money.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bull City Financial Solutions, Inc (SC)

providing my personal information to third party agencies without my consent and permission in writing. 

I have not contract with them and do not owe the amounts stated. 

The 3 yr debt collection statute has passed in the state.

Willful negligence to continue sharing my personal private information.
Consumer complaint received 2022-11-23
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. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (HI)

Dear Experian, THE FOLLOWING CLAIMS INJURIOUSLY REPORTED VERSUS ME FAIL TO MEET MINIMAL FEDERAL REQUIREMENTS TO REPORT LEGALLY SO I HERE NOW ENACT MY CONSUMER RIGHT TO CONTEST AGAIN THE REPORT-ABILITY OF EACH NOTED UNCONFIRMED CLAIM BELOW AND MY CHALLENGE IS FOR THE DEMONSTRATION OF THE FACTUAL AND TESTIFIABLE CERTIFIED COMPLIANT REPORTING PROCESS AND THAT THE MANDATED ADHERENCE TO THE PERFECT " METRO 2 '' FORMATTED REPORTING STANDARD WAS IN FACT OBEYED!! ANY DEVIATION INCLUDING OMMITANCE OF REQUIREMENTS, BRINGS TO CONCERN REPORTING OF INFORMATION NOT ETHICALLY AND OR EVEN UNLAWFULLY DONE SO! 

PLEASE DELETE BELOW INVALID ACCOUNTS : XXXX  XXXX XXXX XXXX - INVALID ACCOUNT, DELETE NOW, BECAUSE YOU ARE ILLEGALLY REPORTING " UNKNOWN PAYMENT HISTORY '', PLUS YOU ARE ILLEGALLY REPORTING NO PAYMENT HISTORY AT ALL. 
YOU ARE ALSO ILLEGALLY REPORTING STATUS OF ACCOUNT AS " NO STATUS '' AS WELL AS ILLEGALLY REPORTING " NO BALANCE '' INFORMATION YOU ARE ALSO VIOLATING METRO 2 STANDARD BY NOT REPORTING THE " ACCOUNT TYPE '' AND THE " ORIGINAL BALANCE '' XXXX XXXX XXXX XXXX PLEASE DELETE THIS ACCOUNT NOW BECAUSE YOU ARE ILLEGALLY REPORTING ALLEGED, UNPROVEN, UNVERIFIED AND INACCURATE LATE PAYMENTS.

YOU ARE VIOLATING METRO 2 STANDARD REPORTING, BY NOT REPORTING ANY BALANCE INFORMATION, OR ANY BALANCE UPDATED PAYMENT INFORMATION. 
YOU ARE ALSO NOT REPORTING THE MONTHLY PAYMENT. 

IN ACCORDANCE WITH THE FCRA SECTION 611 ( 15 U.S.C 1681 ( I ) AND IN ACCORDANCE WITH THE ACCEPTED OF METRO 2 DATA FIELD REPORTING, I AM HERE NOW ENACTING MY RIGHT ( S ) TO CONTEST QUESTIONABLE AND OR CLAIMS ALLEGED, YET STILL UNPROVEN TO BE EACH TRUE, CORRECT, DOCUMENTED AS VALIDATED AND OR ELSEWISE UNDENIABLY CERTIFIED COMPLIANT INFORMATION INCLUDED ON MY PERSONAL XXXX CONSUMER CREDIT REPORT. PLEASE STOP REPORTING ANY ALLEGATION OF DEROGATORINESS AND OR DELINQUENCY WITHOUT FACTUAL DOCUMENT PROOF. 
PER FEDERAL AND APPLICABLE REPORTING LAWS OF MY STATE, YOU MUST REPORT WITH GREATEST COMPLIANCE AND ACCURACY. 
I REQUEST AGAIN PHYSICAL AND DOCUMENTED PROOF OF YOUR ADEQUATE INVESTIGATION AND THEN PLEASE SEND ME MY UPDATED PERSONAL CREDIT REPORT FOLLOWING YOUR CORRECTIONS. THANK YOU
Consumer complaint received 2024-02-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (UT)

I indicated to the company that this debt was not mine and requested a copy of the signed contract that would prove my agreement to enter a business relationship with the vendor. 

However, they only provided a series of invoices for the months the service was supposed to be provided. 

I also requested proof of equipment delivery and activation, and this was also never provided.
Consumer complaint received 2024-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

Re : customer service call on XXXX about numerous issues with our account XXXX XXXX XXXX has transferred our account to edfinancial.studentaid.gov In this transition they have caused many issues which they told us they can not fix, all of which is no fault of our own -We had autopay, and they failed to make autopay payments since XXXX specifically for the two FFELP account totaling {$61.00} ( other private ones proceeded ), accruing more interest and potentially leading to credit hits. They have told me they can do nothing about this to fix their financial damages to us. They have told me they can not tell me when they will begin charging again and could not fix anything. Autopay is contract that they are failing!

-We had ( and it says 'currently have ' ) autopay set up to pay the highest interest loans first. In the transfer they ignored our allocations and payed all XXXX loans equally. Not only are there financial damage is not keeping our allocations, we are unable to EDIT the allocations ( due to a bug or intended design, contrary to previous servicer ) and they indicate we must instead drop out then reapply of auto pay thus loosing the .25 % interest rate benefits which they have indicated take 1-2 months to take effect! This is a large amount of many on the nearly 6 digit loan we have! This is a crazy amount of time for something that should be immediate. They obviously have conflicts of interest in being as slow and unhelpful as they can For all this told us they can do nothing and not even file a complaint! All of these failures leads to financial benefit for them and would be terribly worse if we did not notice their changes They are mismanaging our account, costing us financial damages for their gain, we have no recourse