davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XXXX XX/XX/2020 a man came to my home to do labor for me. When he got here, I sent him {$100.00} over XXXX for the work, he then promptly drove off and disconnected what was apparently a burner phone. I have no means to contact that man now. Everything he gave me information-wise apparently was made up. 

I called Wells Fargo to have this reversed and they simply stated to me that deep down in their Terms and Conditions for XXXX that if you authorize a payment that you can't have it reversed. That's perplexing to me provided my bank supposedly offers insurance on their accounts / services for scams and fraud on transactions / transfers.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (NC)

I own XXXX XXXX  and closed one of them. My XXXX XXXX XXXX service was automatically paid from my checking account for the 4 years this particular XXXX  was open. When I closed the XXXX  in XX/XX/XXXX, I contacted XXXX XXXX XXXX, they explained to me that the account would auto bill the last payment, I could keep the equipment as it was paid for long ago. I provided a forwarding address for the last invoice so I would have for my record. I never received any type of documentation from XXXX XXXX XXXX or anyone else. In XX/XX/XXXX I was notified by my credit monitoring service that a collection account hit my credit report. I called the collection agency and found out this account was for XXXX XXXX XXXX for the above referenced account. I immediately called XXXX XXXX XXXX and asked why I received no notification or why this bill did not auto pay, I got that we are not sure why and I will be happy to forward this to supervisor who will call you within 24 hours. I received no call. Called the collection agency ( MRS Associates ) and  explained situation to them, they said they can only remove from credit report if XXXX XXXX XXXX directs them to do so. Called XXXX XXXX XXXX back and spoke to XXXX in the escalations department @ XXXX, she said that they had mailed bills to the old address and that is why I never received a bill, that restaurant was closed. I asked her to remove this from my credit report, she told me they were unable. I have 3 other accounts with XXXX XXXX XXXX and have never been late ( they all auto-pay ), I would not stiff them for {$75.00}. I am asking that this be removed from my credit report as I was never notified there was a balance due.
Consumer complaint received 2023-01-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I have contacted XXXX and XXXX and XXXX. XXXX corrected the error. XXXX transferred my loans of {$42000.00} to XXXX in XXXX of 2022 but XXXX is XXXX showing the account as open. I have asked XXXX and the credit bureaus to fix this issue. 

You can see the report on XXXX 's website : XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has a policy to harm their customers and has harmed me in providing banking services in two instances, as follows : First Instance, I had a CD ( account # XXXX XXXX XXXX ) in the sum of {$36000.00} ( with accrued interest of {$1400.00} ) that I closed on XX/XX/2024 and with these funds and other funds same day opened, a new replacement CD ( account # XXXX XXXX XXXX ) for {$45000.00}, at Branch XXXX. 
Even though Wells Fargo did not suffer any harm or damage for having closed XXXX CD and invested the same funds in a new CD the same day, however, Wells Fargo penalized me, with {$130.00}. 
When I objected to paying these penalties, WF banker informed me that they are required to levy these penalties by the Bank Examiners, a patently false statement. I hereby seek refunds of the penalty {$130.00} and a statement of apology. 

Second Instance, I had another CD ( account # XXXX XXXX XXXX ) in the sum of {$98000.00}, ( with accrued interest of {$3900.00} ) that I closed and with these funds, same day, XX/XX/2024 opened a new replacement CD ( account # XXXX XXXX XXXX ) for {$95000.00} at Branch XXXX. 
Even though Wells Fargo did not suffer any harm or damage for having closed one CD and invested same funds in a new CD the same day, however, Wells Fargo penalized me with {$360.00} When I objected to paying these penalties, WF banker informed me that they are required to levy these penalties by the Bank Examiners, a patently false statement. I hereby seek refund of the penalty amounts totaling {$360.00} and a statement of apology.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX Made a payment XX/XX/2020 through their automated phone in a timely manner as I have perfect credit. 
Payment did not post to my account. Did not get notice that payment went through. No email, no text ( choice of communication method, no mail ). 
I have 2 different credit monitors that show all my payments are on time. 
As of today my credit score dropped over 100 points. I sent my credit reports showing payment credit history, and a explanation that I paid on time and was not notified my payment went through. XXXX has caused me hardship as I almost had a 800 credit score. Been on the phone all day trying to resolve and twice today I was disconnected. 
I opened this account In XXXX as it is a no interest credit card as I needed the funds as I was having XXXX medical. Why should I have to go through this at a time when we are in a State of Emergency with this Corona. From Excellent high credit to a negative score.
Consumer complaint received 2024-04-14
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

My Macy 's credit card profile was changed. My mailing address was changed without my permission. The fraudulent address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-04-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (TX)

The amounts showing due on various accounts are incorrect. Mohela is currently under investigation for mishandling student accounts and not knowing what they are doing.I can never get through to anyone on the phone. When I do it's conflicting information between agents. I was informed of being on the SAVE plan that president Biden passed. With the SAVE plan according to my income XXXX XXXX  due. Each month that goes towards my PSLF due to being a teacher. They haven't counted any of those towards my PSLF & at this point I'm aggravated and frustrated.
Consumer complaint received 2022-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BYL Collection Services (NV)

ATTENTION BYL SERVICES ( XXXX XXXX XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$89.00} does not belong to me. This account was fraudulently opened through this companyBYL SERVICES ( XXXX XXXX XXXX ) in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2015-07-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We entered into a loan modification with Bank of America. A bilateral agreement. B of A told us if we pass a 3 month trial period as agreed upon, we would get a loan modification. After successfully passing the 3 month trial period and proceeded to asked for the status of the loan modification the following month, B of A said the papers were being processed in New York and to continue making the new agreed upon payments. Nine months later B of A breached our lawful contract and denied the loan modification on some vague excuse that we made too much to qualify. In addition, B of A demanded that all the fees of the original loan including late charges be bought up to date and soon after proceeded with foreclosure. B of A filed felony documents in support of the foreclosure in the county hall of records. We filed a complaint with the Superior Court. The trial Judge dismissed the felony as a mere technicality. The actual words the Bank used was that " this kind of arrangement is commonplace and entirely proper within industry. '' Filing false documents is both a State and Federal felony offense. I successfully submitted an appeal to be assigned.
Consumer complaint received 2020-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (RI)

I canceled my account after nearly 20 yrs of being a customer for over charges and sales people making false promises and not honoring the sales deals made. I was sent prepaid envelopes to send back 2 phones which I did. After some time now, more than a year, they are saying they did not receive them. I have no use for the phones as i went with a different carrier nor would i want to keep anything from them and feels like retaliation after closing this account and dealing with the rude and threatening representative to do so. I should have a balance for service of approx XXXX not XXXX and will pay when my balance is properly reflected
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

They miscalculate the interest. I called them, and the rep on the phone did the math, and got the same number as me. The CORRECT amount of interest. He got a supervisor on the phone and neither of the could explain why I was being charged more. They agreed to send me a letter detailing the interest calculation and the payments applied. It still didn't make any sense. The principal balance on the statements never matches. I have been paying for over a year and my balance has only stayed the same. The interest that should be charged would have the payment give {$9.00} towards the principal, yet the balance remained the same. I paid an additional {$20.00} as a test, and it all went to interest. Now that the fed has dropped the rate to zero, there were 13 days in my billing statement before it went to XXXX. The interest should have been {$61.00}. Instead, I was charged {$79.00}. I have spoken to them, yet they do nothing. It's really sad that they have already been sued for this, yet they do nothing to change it. They are stealing from me and countless others. They also stated that once I started making payments, they should have capitalized the outstanding interest which they did not. They claimed that is the reason I have nothing going to principal, because I have been paying the back interest. This is unacceptable behavior from a loan servicer. I work in mortgage and we would be HEAVILY find for doing these illegal activities. This month ( XX/XX/2020 ) was the first month my payment increased based on the payment plan I am in.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I was notified by XXXX XXXX that Equifax is not providing a up to date credit report for some error on Equifax part, I even attempted to request a annual credit report from Equifax under the FCRA and there is an error with my credit information not being retrieved or provided to any third party or the XXXX XXXX XXXX XXXX XXXX. 
Social Security Number of Consumer is XXXX
Consumer complaint received 2020-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

I took out a private loan for XXXX school in XX/XX/XXXX with the loan servicer Navient Private Loan Trust. Recently in the last few years, I became XXXX and I currently receive Social Security XXXX. I applied for XXXX XXXX XXXX XXXX discharge with Navient. I was approved with a physicians statement. Three of my FFEL Stafford Subsidized student loans in which I have a co-signer on were transferred to the co-signers responsibility. There were two other loans in my name only. One loan that was in my name in the amount {$7400.00} of was completely discharged. The other loan in my name in the amount of {$3600.00} wasnt completely discharged. The loan they didnt get completely discharge was waived of all the interest in the amount of {$2300.00} on the loan. However, Navient left a principal balance in the amount of {$1200.00} in which they said Im required to pay. I explained that Im on a fixed income and it is not earned income. Social Security is unearned income. Therefore, my income is {$0.00}. XXXX XXXX, in which I have federal loans with understands when I explained my income situation to them. They applied my {$0.00} income information to my account so that they had it on record. Navient will not apply or even consider the fact that my income is technically {$0.00}. When I asked why I am required to pay my loan that had only the principal balance left without any interest to be accumulated and also interest waived, they said, it just is that way without providing concrete evidence. They said my other loan in my name that was discharged completely was a Smart Option loan and that loan does state if a borrower becomes XXXX and is granted a XXXX XXXX XXXX XXXX discharge, the terms and conditions say it would be granted discharge. I also asked Navient where it states in the terms and conditions of the loan I am required to pay only the principal that a borrower is responsible for paying the loan if granted a XXXX XXXX XXXX XXXX discharge. The customer service representative could not come up with a concrete answer nor provide any evidence to explain. If concrete evidence is not provided or available, then why am I responsible to pay the rest of the loan? Also, on my federal loans with Navient I was not allowed as per customer service to remove my co-signer from my three loans that were instead transferred to the co-signer. If I was to request to be responsible solely without my co-signer, I would be in complete standard repayment for those three loans. I learned you can apply for this removal, but where does it say it can not be granted to the sole borrower and then granted XXXX  discharge due to their application approval? I am very confused and would like this situation resolved.
Consumer complaint received 2024-04-14
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: Resurgent Capital Services L.P. (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received notification in the mail at a prior ( my parent 's ) address that my phone, legal address, and mailing address on my Capitol One account had been updated. I do not have a Capital One account and I am a victim of identity fraud. I called to notify the company that I did not make this change nor open any accounts with them recently. They confirmed that a new account had been opened and referred me to their consumer protection department.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm a casualty of fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2020-04-11
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: Insikt, Inc. (TX)

On Friday XXXX I received an alert from credit monitoring service that there had been a new hard inquiry on my credit report. This was definitely not me. I reached out to the company, XXXX, formerly known as Lendify Financial. I spoke with a young lady on the phone. I was told there is no fraud department I can speak with but gave me an email I could reach out to. She took no personal information from me so that she could look into this. Just my name and phone number. I emailed the company email she gave me and am receiving no response. I called back and was told the same story, no one i can speak to about this fraudulent action against me and that I needed to send an email.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-31
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. (NY)

Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 2020-04-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: Harpeth Financial Services, LLC (GA)

On XX/XX/2020, I paid the balance off for my line of credit. At that time I received an email thanking me for my payment. The same email advised me of a line of credit in the amount of {$1400.00}. When I attempt to withdraw a couple of days later, the amount available was reduced and the transaction history showed amounts withdrawn ( not by me ). The company is unable to explain why.
Consumer complaint received 2024-04-14
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: Westlake Services, LLC (GA)

I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.
Consumer complaint received 2020-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (NJ)

PNC bank continues to take enormous amounts of overdraft fees from my business account causing me to be in debt. They refunded {$1700.00} worth of overdraft fees then took them back. PNC claims a dispute for {$99.00} was denied from XX/XX/XXXX- it is now XX/XX/XXXX- and {$1700.00} in fees relates to it. This is false and unethical especially during COVID19. They said they are reversing my refunds again Monday.
Consumer complaint received 2020-04-11
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery (WV)

On XX/XX/2020, XXXX XXXX XXXX, XXXX, Administrative Remedy Demand No. XXXX, Notice by Written Communication was mailed to alleged Debt Collector via United States Registered Mail # XXXX XXXX. in response to notices dated XX/XX/2020, XX/XX/2020, XX/XX/2020 requesting validation of any alleged debt and was not a request for a copy of any invoice, statement, bill, agreement, alleged agreement, contract, alleged contract, and the like, nor was it a request for a copy of any notification of assignment, negotiation/transfer of rights, nor was it a request for a copy of any other un-verified document/presentment referencing said alleged debt. The request for validation of any alleged debt is a request for bona fide verification of any alleged debt. 

In accordance with law, only duly sworn/ affirmed affidavits, oaths, and depositions qualify as a verification of the lawful existence of a bona fide debt. Absent such verification validating the alleged debt, and absent proof of a claim greater than that of Secured Party alleged Debt Collector " fails to state a claim upon which relief can be granted ''. Wherefore, in accordance with the Fair Debt Collection Practices Act, effective immediately upon alleged Debt Collector 's receipt of the " Notice by Written Communication, alleged Debt Collector must cease all collection/prosecution efforts against alleged debtor, Secured Party, and Secured Party 's secured private property.