davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On yesterday I received another harassing call from Wells Fargo after them already knowing the fact that theyre to only contact the third party involved thats on record. And then as youll see in the attachments they already received the documents for the mortgage assistance application back on XXXX. However now theyre lying once again and claiming that they never got it. This is my last result with this and if this lying and harassment continues then possible legal action maybe taken. Sadly Wells Fargo has been sued by various cities including XXXX Pa for their lying and fraudulent activities and theres been constant complaints about their racism towards minorities in which I happen to be. Amazingly theres been mostly white veterans who receives the free mortgage homes from Wells Fargo. And less minorities and its pathetic on how their Customer Service Represenatives lie claiming that theyre part of some XXXX XXXX but in reality theyre just contained to a small cubicle. Finally after countless times they continues to send letters here in the name of XXXX XXXX to whom has defrauded them with forging my signature on the Mortgage Documents in 2006 and this has been brought to their attention countless times and even a hand writing expert confirmed that this was not my signature at all. Then Wells Fargo claims that no fraud was committed when XXXX XXXX forged my signature on the XXXX XXXX in 2006 and sadly this is why XXXX constantly lying about submitting both sides of the check in which a Judicial Ruling may have to take place if they dont stop their constant lies. XXXX XXXX currently physically XXXX and also feels as though XXXX being discriminated against. So where are the rights for the XXXX Wells Fargo? Make note that XXXX XXXX XXXX who was the assigned attorney who has since been fired by yours truly because he lied to me claiming that he did not have a Bank Account with Wells Fargo and only after the real civil rights investigation he actually did and Wells Fargo knew it and they both were trying to work against me. XXXX!!!
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I opened an account at c.p chase Morgan I have several claims that chase has been denying my claim saying authorized totalling approx XXXX. I supplied them with police reports. About my phone being stolen my ex roommate bring the culprit on which filed a police report twice. And chase still telling me it's authorized after supplying proof it was not me with no permission.
Consumer complaint received 2023-02-17
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. (VA)

I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a complaint with Experian Rent Bureau and I see now that the company XXXX XXXX XXXX XXXX XXXX, XXXX ) Do Not have license to collect debt in the state of Georgia. 
A Debt Collector in Georgia MUST comply with the Fair Business Practices Act. The FBPA requires debt collectors to obtain a license from the Georgia Department of LAW before engaging in debt collection activates, any debt collector violates the requirements of the Fair Business Practices Act in Georgia, there can be various consequences and remedies available. The FBPA is designed to protect consumers from unfair and deceptive practices, including Legal Action that could be taken out against the business that are in violation of this LAW.FCRA Law Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to CRA.

I need the 2 Accounts to be DELETED IMMEDIATELY, and I new a response back in 15 days showing to update report. 

Please find the Proof of State Registration where the company can only collect debt in these state. I demand that the account be DELETED Immediately or I will taken Legal action against Experian Rent Bureau for violating my rights as a consumer.
Consumer complaint received 2022-12-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I send a commission check to my XXXX XXXX XXXX but the check was returned by fifth third bank due to non sufficient fund on XX/XX/2022. Therefore, my realtor notified me and asked me to send another cashier check, which i did on XX/XX/2022. 

However, i noted my first check was cashed by XXXX on XX/XX/2022, in addition, {$25.00} fee is also posted to my checking account. I called XXXX and my realtor, XXXX mentioned that fifth third bank send them to collect the return check. But my realtor was not aware of this, which is the reason to ask me to send another check. 

The issue is when i asked for the refund of {$25.00} XXXX XXXX XXXXXXXX and fifth third bank won't discuss with me as i am not their client, even though the money was deducted from my checking account. 

I am filing the complaint for the issues below : XXXX. During XXXX firth third announced to eliminate the XXXX starting from XX/XX/2022. However, i was still charged for the fee through a XXXX party ( below is their announcement on the website ). 

Fifth Third Bank , National Association, announced that effective XX/XX/XXXX it will eliminate non-sufficient fund ( XXXX ) fees for all consumer accounts. Fifth Thirds elimination of all XXXX fees is the Banks most recent step to reduce punitive fees and focus on the best outcomes for customers. 

2. Neither my realtor ( client of fifth third bank ) or me ( the issuer of the check ) was informed that the returned check was sent to a XXXX-party collector with fee included. Therefore, I had to purchase a cashier check per my realtor 's request. 

Therefore, I would like to be refunded for the {$25.00} NSF fee and compensated for the cost and time to get the replacement check for my realtor, as neither of us knows the first check will be cleared and collected. 

Thanks! 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-16
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: NAVY FEDERAL CREDIT UNION (TX)

I filed a dispute for a billing error that resulted from an overcharge on XX/XX/year> from the Merchant XXXX XXXX on my Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX , providing all required information per the FCBA, as well as the Visa Dispute Resolution Guide. Included was the final billing statement and contract showing amount due of {$490.00}. However, my card was charged {$1400.00}, resulting in an overcharge of {$910.00}. 

Navy FCU however, has repeatedly refused to properly open a case, despite being provided the contract and billing statement. They state they believe there has been no billing error, but fail/refuse to provide any reasoning or documentation as required to validate their response. They have simply refused to file the dispute with the merchant as required.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

there are more than 16 different names listed on my account. 
While i only have one name which is XXXX XXXX. 
At first Experian added wrong addresses on my report and now they have added wrong names All other names listed on my credit report should be deleted with immediate effect.
Consumer complaint received 2023-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NV)

This person got ahold of me through my listing in the XXXX XXXX as I am selling my stuff. She ( according to her name, a lady ) messaged me and offered to pick up my product. She said she would pay for that as soon as today. Then she asked for my XXXX, but I didn't have any, so she asked me if I had Zelle. I said yes, then I sent her my number and name, claimed that my account was on the limit, and asked for my email because her Zelle is a business type. 
Then she showed me proof that she sent me the {$1000.00} and then got an email from Zelle ( which I did not know that it was just a fake one and disguising themselves to be one ) telling me they got my account on hold and the money the lady sent too but to get it I have to send {$500.00} because that is the minimum amount to open a business account. I tried to send it, but the Zelle in my bank account withheld the {$300.00} I sent to XXXX XXXX, and I have to call them about the on-hold in my account. I told it to this buyer, and that is when she asked about XXXX again and XXXX, which 1 do have. Then she sent some accounts/emails for me to send the money, which did not go through. I don't understand why, but I'm thankful because it could have been bigger than the {$500.00} I lost. They sent me many follow-up emails, which is still the Zelle account they are using. They used this XXXX ; they also used a bunch of XXXX like XXXX, which has a XXXX XXXX XXXX  '', their Zelle info is XXXX XXXX ( XXXX ) XXXX ) under XXXX XXXX, XXXX under XXXX XXXX in his XXXX account.
Consumer complaint received 2021-09-14
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)

Credit reporting shows a past due balance on a charged off account. How can there be a past due balance when the account has been written off? I have requested several times for this inaccurate information to be deleted yet it has not.
Consumer complaint received 2023-12-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

**IMPORTANT** In two previous questions regarding my issue type - I was forced into selecting something or not continue in process. Therefore, TYPE of complaint is INCORRECT. 

In the past week, my credit score dropped XXXX points, yet wonderful things happened to my credit and NO negative events occurred. As a frequent user of the Experian website ( and I have spent literally hours and hours familiarizing myself with all available information on this site ) I could not help but notice the dramatic increase in Experian additional products advertised TO REMEDY THIS DROP IN MY SCORE! Fishy perhaps? To be clear, I have no evidence of wrongdoing on their part. However, and they may claim the increase in advertised remedy for sale was triggered by a drop of XXXX points, what I think might be happening ( and I hope my complaint stimulates increased observance of Experian sales practices ) is they drop my score to increase sales of side products. 

Details : **In the week I am referring to, my open accounts dropped from XXXX to XXXX. 
**The two remaining decreased in amount owed. 
**My total debt dropped from ( these figures are rounded for convenience ) {$30000.00} to slightly under {$15000.00}, or more than half. 
**No negative events occurred during this week or previous weeks. 
**Within the same visit to the Experian website where I saw my decreased credit score that lacks legitimate support, I observed a dramatic increase in sales attempts to sway me into purchasing their other products to remedy my score drop. These products were literally sandwiched between bits of my credit report and data - forcing me to look at products for sale that I can not afford. 

The lack of evidence, such as common reasons to see a score drop, the multiple reasons that can be substantiated and should have INCREASED MY SCORE, along with the observed dramatic increase in force-feeding me their side products- all these combined makes me question how and why and who is responsible for this score drop when several positive events occurred that should have increased my score. 

I want to understand who did this and I want to see tangible reasons for this decrease. I also want an explanation for why I was not issued an increase in score when several positives and no negative events happened this week in question. I write them days ago and all i got back was confirmation of receiving it. I want CFPB to observe my attempt to gain clarity and watch for trends similar to my event.
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (NY)

I 've had several issues with my federal student loan managed by UAS XXXX. My account is currently set up for auto pay and it is scheduled to be withdrawn on the due date. They have changed the amount due on me twice after my auto pay was scheduled without updating my auto pay amount or notifying me of the change, and reflected both events as a late payment on my credit report. I spoke with them by phone on both occasions, and they could not tell me why it happened. 
I 've also contacted them in excess of XXXX times in the past year, both by phone and email to update my mailing address on file since I moved. They 've reassured me multiple times that they 've fixed the issue, and two days later my account is reflecting my old address. They 've sent tax and billing documents to my old mailing address because of this, which is extremely upsetting because of the information contained inside these documents.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (FL)

I received a presentment from American Express stating that my private property was sold to another corporation. I did not consent to the sales, transfer, or sharing of private information or property with any person or corporation. 

I XXXX, XXXX, am living man and beneficiary holder of all accounts identified with the trust, XXXX XXXX. American Express does not have any beneficial interest in the accounts. 

I accept all title rights interest and equity owed to Principal XXXX XXXX. I am requesting that American Express credit the Principal accounts with the interest due to the accounts and make the account available for use.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc ()

I XXXX XXXX, want to raise this issue with paypal. My account to them is tapbobed @ XXXX. 

Somewhat in XXXX or XXXX that paypal just limit my account. I tried resolving this but they didn't either accept or rejected my documents that they are asking more. What should I give more if that's only what I have. What more they need to know, the important informations are all there. I didn't do anything wrong. I just do online jobs which my clients paying me through paypal and my client is not alone since this small job that i saw in freelance website. 

I taught after 180 days they will release my money but rather they took it and now my balance is zero. They insisting that i made a violation in their policy, i ask them what specific violation i made but they didn't provide. Is this fair for them just to took the money of others like me. How many more individual they are doing this. I think this paypal should be shut down.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2023-12-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

I received a credit card account summary, with a {$170.00} balance. 
This account summary is in error, if not fraudulent. 

I havent used a Discover card in years, and with all my credit cards, I set up auto bill pay. And, I don't carry have a balance.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2015-12-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (GA)

Nationstar Mortgage has serviced the loan on my house since the beginning of 2014. I have an auto debit for my monthly payment. Additionally I made arrangements, when Nationstar took over my loan, to be able to mail in monthly Principal Only payments. Nearly every single Principal Only payment made to date has been taken as a regular payment, distributing the payment as partial principal and partial interest. When I call them to correct the payments, they do not deduct from my total balance to reduce my interest payments, keeping my interest at a higher total amount. They are also charging me an " adjustment '' fee when I call to correct these errors. This company must be stopped!!
Consumer complaint received 2023-12-17
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC (PA)

CERTEGY is saying I have a negative mark on my check writing history from XXXX  XXXX is showing the check cleared. 

XXXX will not help me deal with CERTEGY. Certegy will not help me deal with XXXX. I cmt write checks and I should be able to. The check cleared and both XXXX and certegy are holding my money hostage. 

Check amount XXXX Check number XXXX Date written XXXX Date cleared my bank XXXX Drivers license number XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MI)

To whom it may concern, I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding the processing of student loan applications under the SAVE IDR plan by Nelnet, affecting numerous individuals, including myself.

I applied for the SAVE IDR plan in XXXX, and to date, my application has not been processed. Despite multiple attempts to contact Nelnet through calls and emails, I have not received any relevant response. They told me I all my documentation was correct but refused to answer anything else. To exacerbate the situation, I have been placed on administrative forbearance in XXXX, incurring large amounts of interest that would have been avoided had Nelnet processed my application in a timely manner. 
For reference, XXXX processed my partners application in under a week. 

This issue is not isolated to my case ; a distressing number of individuals, as evidenced by the experiences shared on the student loan subreddit, are facing identical challenges. To compound the issue, I also learned that Nelnet has been canceling individuals ' autopay without notice, subsequently removing them from the SAVE plan. More stress to look forward to even if they manage to process my application. The collective frustration is palpable and Nelnet 's actions are at best, morally bankrupt ; unduly burdening individuals who are earnestly attempting to fulfill their student loan obligations.