davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (WA)

after   having a Wells Fargo Master Card for over 15 years, I was advised I was being issued a Wells Fargo Visa Card, which followed with several account # 's.
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Each month I would pay the bills but they would not show credited to my original account numbers, and sometimes would be credited to Wells Fargo Card Services.
<P/>  In the meantime they refused to give payment for my reward points, saying I was using my incorrect birthday, my birthday has always been  XXXX .  <P/> I WOULD LIKE TO S  ETTLE THIS MATTER. 1 ) I WOULD LIKE MY BIRTHDAY CORRECTED. 2 ) CANCEL ALL W/F Credit Cards, Visa or Master Cards/written confirmation ), without effecting my excellent credit rating 3 ) I would like to receive credit for all late fees and interest accumulated during this process. Est {$75.00}. 4 ) A check for my rewards earned approx. {$75.00} 5 ) After all of the confussion over these unsolicited credit cards and payments, no balance and a {$1000.00} settlement.
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After all of the years dealing with Wells Fargo, Checking, Mortgages and Credit Cards,   this is very disappointing. I have exchanged a number of letters and proofs, still no resolution. I am almost  XXXX  years old and do not want to be involved any longer with this matter.  <P/> Please Help Me.  XXXX   XXXX   XXXX  (  XXXX  XXXX  XXXX  )  XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Washington  XXXX
Consumer complaint received 2023-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A. (FL)

Just over one month ago ( around XX/XX/2023 ) I went to my local Citibank branch to inquire about obtaining a Debt Consolidation Loan. I had an existing DCL from Citibank acquired approximately two years earlier with just over {$10000.00} remaining. The loan officer submitted my data. Citibank underwriters came back with an offer of {$30000.00} ( note : in the total of my debts submitted were an existing car loan which Citibank does not do car loans, and two Citibank credit cards which Citibank would not cover their own credit card debts, but they seemed to here ). I declined the offer over concerns I would be unable to make the monthly payments. I asked if they could offer a smaller loan. Citibank 's reply was they could offer {$24000.00}, but no less. I accepted the offer. When the paperwork arrived I was listed to receive one check for {$4500.00}, and another check was to be made out to XXXX for {$9100.00} XXXX XXXXXXXX XXXX, a credit union handling my car loan ). This was not acceptable for me. I went back to the same Citibank and same loan officer. I showed her the paperwork, and explained this was not acceptable for me. She called the Citibank underwriters and we were assured over the phone three times that the loan money was to be made out in my name, not in part to XXXX. So, I signed the paperwork in the presence of the Citibank loan officer, and submitted the paperwork through the provided UPS envelope. Within a couple of days I received additional paperwork, and two checks, one made out to me and the other to XXXX as I had been assured it would not be. Repeated attempts on my part and that of the loan officer to get the {$9100.00} check to XXXX cancelled and issued to my name have failed. I informed Citibank numerous times I no longer wanted the loan. I have not cashed or deposited the check for {$4500.00} made out in my name, nor have I sent the check for {$9100.00} to XXXX. Today is XX/XX/2023. Today both checks are now 30 days old. On the checks it states " VOID AFTER 30 DAYS ''. Toward the beginning of this process, I was informed by Citibank underwriters that if I allow the checks to void the loan will be cancelled, and revert back to the previous {$10000.00} Citibank loan. No one at Citibank will now confirm this {$24000.00} loan will be cancelled. No one at Citibank will help me resolve this. I do not want this loan. I can't understand why Citibank would do this to a long to customer unless it is because they want the {$12000.00} finance charge no matter how much they are hurting me. Please help.
Consumer complaint received 2023-07-17
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I applied for a credit card with chase XX/XX/30 I received a denial stating I have a score of XXXX which is incorrect, deliquient account also incorrect and etc. I pulled my credit and none of those things exist and I have sufficient proof so why is chase making things up. Is this DISCRIMINATION? My score is XXXX bmy utilzation is at 6 % my income is great and payment history even greater so what is the reason. I also contacted the XXXX  and they have no idea on what Chase is seeing.
Consumer complaint received 2021-01-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: M&T BANK CORPORATION (MD)

Hi my name social XXXX XXXX With complain is from m & t bank I have 80 years hold I have loan for a truck This bank I have late fees this bank take reposition my car when my Daugher call This bank sai XXXX Ok I ready for pay she is call back this bank nexday.total XXXX Is more XXXX my daughter XXXX please can you explain what more XXXX XXXX I not can give more informacin I have audio, I need Gelp I one person hold what happened Need explication they bank only renspond you pay all total XXXX or pick you have any pertenency personal on you car
Consumer complaint received 2021-01-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

The state of Texas gave me 100 % tax exemption due to me be 100 % XXXX through the department of va and i submitted the paperwork to the bank on XX/XX/XXXX so that my taxes can be removed.starting a week after that date they started telling me to call back every 2 days to check on it. When they finally admitted that they had it they started telling me random statuses and to call back in 2 days. on the XX/XX/XXXXi asked them what to do about the payment being that it was due and the payment amount was going to change. i was told that i should just wait because the payment amount would definitely be ready by the XXXX. well now they are saying that it should be done by the XXXX and i need to pay the full amount that contains the taxes that the state of taxes doesn't even charge me for because i don't want the late payment to hit my credit. in the last month they have given me lie after lie and now i am in financial hardship. I cant get a honest answer out of anyone and when i am told that they will call me back they never do. i called on the XXXX of XXXX and they told me that its now not going to be touched until the day after the last day that i can pay without it being considered late and the reason that its taking them so long is because my account is new. they are charging me tax that i do not owe and dragging their feet from payment to payment. their business practices is predatory towards XXXX veterans and i really need this matter resolved.
Consumer complaint received 2023-07-17
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. (CA)

This is my THIRD WRITTEN DISPUTE to Equifax to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : 30 Days Past Due on XXXX XXXX, 60 Days Past Due on XX/XX/2021 and 90 Days Past Due on XX/XX/2021. I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. Due to the COVID-19 pandemic, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX an accommodation to my original loan contract with respect to lower 6 payments XXXX XXXX  through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through today. In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (PA)

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rozlin Financial Group, Inc. (HI)

Rozlin Financial Group Inc. attempted to collect on behalf of my former school, XXXX XXXX XXXX XXXX, which insisted on full tuition payment for what they claimed to be continuing education. It later emerged that the program was a pyramid scheme, enticing individuals to become online coaches promising earnings of $ XXXX {$50000.00} monthly, an utterly unrealistic proposition. The recruitment aspect was concealed initially, a detail I would have found unacceptable had I been aware. 

I provided my credit history, which clearly indicates that had I recognized the loan as legitimate, I would have promptly settled it. I do not condone rewarding dishonest actions. Paying the scammer would only embolden them to victimize more individuals. Moreover, there's no guarantee they would cease collection efforts even if payment is made. 

On what grounds do you label me as delinquent when I owe nothing? It is the scammer who owes me money. I have pursued legal action to expose their deceitfulness. 

The ordeal has significantly impacted my credit score, dropping from XXXX to XXXX. I urge you to rectify this damage by promptly addressing the issue with XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I reviewed my consumer file via experian on XX/XX/2024 and noticed several personal identifiers that do not belong to me. This prompted me to file an FTC report due to an incorrect social security number, several names, an employer I've never worked at and a phone number that didn't belong to me. It is alarming that my file has been merged with someone else 's which effects my ability to accurately identify who i am. the incorrect information is as follows : 1. Names : a. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Non-mailable addresses associated with my profile : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. Employers listed : XXXX XXXX XXXX ( I have never worked here ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

4. Phone number associated : ( XXXX ) XXXX XXXX. Social Security Number : XXXX ( not assigned to me ) My correct information is the following : XXXX XXXX XXXX Social Security number : ( document enclosed ) Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Phone number XXXX XXXX Considering that there is a social security number that does not belong to me on my consumer file. I can only assume that my file has been merged with someone elses. I request that Experian promptly investigate these inaccuracies and remove them from my consumer file. It is imperative to uphold the accuracy and fairness of credit reporting, as highlighted in 15 U.S. Code 1681, which emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy. 

Furthermore, it is essential that consumer reporting agencies adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information, as mandated by this subchapter.
Consumer complaint received 2021-01-04
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: FORD MOTOR CREDIT CO. (WA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, FORD CRED add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2024-04-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc. (TX)

I had XXXX in XX/XX/XXXX and my insurance XXXX approved payment to XXXX XXXX XXXX in XXXX Texas. I also had to pay XXXX out of pocket to the hospital admin before insurance and hospital would allow my procedure. The hospital was paid, the doctor was paid, and I have confirmed this with XXXX XXXX in XXXX. Now they sold a fraudulent bill to obtain more money creating a fraudulent transaction. The creditors have no rights to claim this on my credit report since this is a fraudulent case. This is fraud from hospital double charging practices and needs to stop.
Consumer complaint received 2019-12-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to wire XXXX into a Bank of America account and they both failed due to the recipient sending incorrect information, one being the account number was correct but the sender omitted their full name and left out a name. BoA decided to take XXXX dollar fees for each returned transfer, and in total have taken XXXX dollars in fees. These are fees I did not agree to or was told about. All BoA had to do was return to money, and actually it never even left my account.
Consumer complaint received 2021-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (OH)

I requested pay foo amount on XX/XX/XXXX. I dent a check on XX/XX/XXXX for that amount. Mu payment have not been processed and they are still taking payment from my bank account. 

I faxed the proof of payment being received at their office. Still took from my account XX/XX/XXXX payment
Consumer complaint received 2021-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpha Recovery Corp (FL)

A leasing company in XXXX Colorado forced me to sign in to a visitorlease that only lasted a month and all visitors were supposed to fill it out. While visiting a friend at his apartment complex. When I signed the paperwork so I could park my vehicle at the property without it being towed away. Come to find out the paperwork they MADE me sign was attaching me to the actual lease and now are charging me for 4 months of a lease. I was there for a week.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Im XXXX XXXX, Implied surety. I have called and spoke with XXXX XXXX & they have finalized their investigation by you were not responsible for paying the amount under review {$1200.00}. I have received a letter 30 days ago tomorrow & I have reached out to Experian to have them remove it & theyre failing to remove it from my profile after XXXX confirmed I was not liable for the balance & they closed the account which is reporting negatively now & inaccurately false. I have a letter from XXXX XXXX to confirm what I am stating.
Consumer complaint received 2024-04-17
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 (VA)

I was notified my account was past due via a credit alert. I had no idea I had missed payments. I called the company immediately and made a payment. I even signed up for autopay. I inquired on why I was not contacted, and I was told that I was emailed. Unfortunately, that email was sent to spam along with all the others. I asked the representative if there was someone, I could talk to about removing the mark on my report and I was told no that I had to dispute it. I did and the dispute was not in my favor. I inquired about why I was not called or contacted by other means and I did not receive an answer. I understand as a consumer I have a responsibility to keep my payments up to date. Unfortunately, during this time frame my father had passed and this account slipped my mind for some reason. I thought all of my accounts had autopay. With that being said, I don't feel like you gave me a fighting chance to ensure my account was up to date. You cant expect an email to suffice. Someone should have called or sent a letter to my home. This is poor customer service and protection of your customers. This mark on my credit report had significant impact and I am going through a loan process right now. This makes me want to close my account and go elsewhere. Why give my business to someone who works this way? I understand the significance of closing my account, but you already hurt my credit right?
Consumer complaint received 2024-04-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK (TX)

I was not given a clear explanation of the terms of my forbearance loan. The only information I was provided with was that any missed payments would be added to my mortgage after the forbearance period ended and that my monthly payments would be re-evaluated. I was not informed that this would negatively affect my credit score, or that it was an additional loan. I also feel that the loan was oversold to me as if it was doing me a favor.
Consumer complaint received 2024-04-11
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (FL)

XXXX University, XXXX, Florida. Dates : XXXX. Private loans were taken out between XXXX to pay for school books which were students were not permitted to buy outside of the school bookstore. High pressure sales tactics where loans were pulled out by the suggestion of the financial aid counselors. Blank documents were handed to each student class by the Dean, and coerced signatures by many students in fear of not graduating. School threatened accreditation status would be withdrawn if XXXX XXXX and survey documents weren't signed. I sent this complaint to XXXX XXXX around XXXX without any response or resolution. Private loans accrued interest to the point they doubled, nearly tripled. Total private loans taken out average minimum $ XXXX, interest shot them over $ XXXX. Recently paid off (XX/XX/XXXX ) but I am certain these funds should be reimbursed by the predatory schools due to their negligence and predation on students.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I wrote to XXXX, XXXX and Experian. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.
Consumer complaint received 2022-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2022 I wrote to XXXX, Transunion and XXXX. Requesting an investigation into items that I know is INNACCURATE. To this date, I have not received a reply or any acknowledgment that an investigation has begun. I feel like I am being look past and ignored.