davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

In late 2018 I was traveling on holiday. My wallet was stolen and my primary Credit Cards were taken. As such I had to use my Wells Fargo Credit Card, which i rarely use due to the rate and the service. When I received my XXXX statement, i was shocked to see i was XXXX over my limit. I was also shocked to see I had missed a payment. When I called the bank, the banker informed me my statements were now being sent electronically. I did not request electronic statements and rely on the paper statement as a way to make payments. This has happened many times over the years. 

While Wells allowed me to transact - i was required to make the full payment. I am fortunate that I have the reserves to pay a huge one time payment. I know most consumer can't cover a {$400.00} unexpected expense. I asked why they continued to approve my purchases, why they never sent me text messages I had enrolled in, and why they never tried to contact me about being past due. The response was " because you are a good customer ''. I of course immediately paid the full amount due over the phone. But when it came to helping me as a customer, the answer was basically " no ''. 

Wells Fargo can/does send me daily emails on marketing materials, and does send me alerts of every fashion on my other accounts. I don't understand why they would allow this to occur and give no recourse to the situation. They refused to refund the late fee, ( I have never had a late payment in the last 20 years ), they reported the late payment to the credit reporting agency. I asked them politely to correct the reporting and they said no. They required I make a XXXX payment immediately or risk further damage to my credit score. This seems very deceptive and unfair. As I stated, I am lucky i can afford to resolve and that i have perfect credit - but what happens to most consumers in this situation? 

I called today to close all of my accounts. I currently have a mortgage, personal loan, personal line of credit, a credit card, two checking accounts and a savings account. I was directed to go " talk to a branch '' and see what they could do. 

I think the practice of allowing a customer to go grossly over their limit - just to report it as a negative on their credit report and create a very large payment due is unfair. They have many ways to contact me and choose not too, and should have simply declined my card purchases. This treatment has created fee income and adversely impacted my good credit.
Consumer complaint received 2018-08-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

A collection company with an unknown date reported some payday loan or something that is not mine to XXXX, Experian, and XXXX on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XX/XX/XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and XXXX  and Experian have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GFS II, LLC (MI)

Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. Gateway Fncl needs to be removed as well because that case is closed. XXXX also needs to be removed
Consumer complaint received 2019-09-17
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: FIFTH THIRD FINANCIAL CORPORATION (FL)

I received notification on my credit report that a new auto loan was obtained in XXXX. I contacted the reporting agencies and was advised I had NOT made a new car loan. The information was sent to the bank ( 5th 3rd Bank ). The bank responded the loan was valid. I then  contacted the bank on XX/XX/XXXX and advised the fraud department the loan was taken out by another person with my same name but a different address and he used my social security number. The bank advised they would investigate. 

The car was purchased from Off Lease and auto dealership. Someone with the same name somehow purchased the vehicle with my social security. They couldn't provide me with any information or a purchase agreement. Off Lease is located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I advised that I also had applied for a car loan via online in the past but never purchased a car. 

I have since been in contact with the general manager of Off Lease ( XXXX XXXX - XXXX ext XXXX ) and he advised his legal team was working on it and he contacted 5th and 3rd Bank as well. They are under the impression this person somehow stole my social security number to purchase the car. I'm not sure if that is true or if Off Lease assisted in this illegal transaction. I am exhausted by the running around and investigating I have had to do. Someone needs to get this fixed and take me out of it. 

The police won't file a report without documentation and Off Lease advised their legal team stated not to give me copy of the purchase agreement. I am still waiting on some answers from Off Lease and or 5th and 3rd Bank. 

I am very concerned that my identity was stolen. I am not sure who is to blame but I do believe Off Lease may be involved in this case and I believe the person who purchased the car from Off Lease was aware he was using my identity to purchase the vehicle. I want this OFF my credit report. I am the victim here and there doesn't seem to be much concern about my life and the problems this has caused.
Consumer complaint received 2018-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

I contacted XXXX XXXX on Friday, XX/XX/2018 to inform them that my payment in the amount of $ XXXX will be postponed due to a financial setback and that payment would be remitted during the month of XX/XX/XXXX. The representative was combative and said that if a payment was not rendered prior to XX/XX/XXXX that it would be reported to credit bureau. I apologized and indicated it is unfortunate but there was no way payment could be made at that time.

Today, I noticed that they went ahead and processed this payment without my authorization which created an overdraft in my checking account. XXXX XXXX did not have authorization to withdraw this amount from my account.
Consumer complaint received 2019-04-09
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: CITIBANK, N.A. ()

In response to CFPB complaint XXXX CitiBank approved monetary relief for my private student loan under its permanent XXXX program for military veterans. I have contacted XXXX and CitiBank to notify them that the credit reporting agencies are still showing I owe the debt + interest. XXXX on several occasions informed me they do not service my former loan and that I need to contact Citi. When I contact Citi, Citi tells me XXXX does service my loans and they have been instructed to remove and perform the appropriate actions. I again contact XXXX and is told the same information " we do not have any information on your loans, your loans is with a different servicer possibly ''. XXXX also told me that I should probably dispute the information with the three credit agencies. 

I contacted all three agencies and opened a dispute and each dispute was closed as " No Change, Creditor validated information on report is correct ''. Therefore, the credit agencies still is under the impression I owe this debt despite me sending them the letter from CitiBank showing the loans should be removed. 

I have uploaded the original complaint, the letter from citi, and the response from one of the credit agencies.
Consumer complaint received 2019-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services (GA)

I opened up a personal loan with Lendmark Financial in XXXX Ga on XX/XX/2018 with payments of XXXX a month. I got behind on my XXXX and XXXX payment. When I called in XXXX to make my XXXX payment I actually paid XXXX dollars instead of the normal XXXX and I was told I could do a deferral on the XXXX payments I missed ( XXXX and XXXX XXXX and have those payments put at the end of my loan. I agreed and the representative from Lendmark faxed me over the deferral form and I signed it and faxed it back over to Lendmark 3 different times only to be told they didnt receive it. I then scanned and email the form and sent it to the representative I was speaking with the assumption that everything was handled. I proceeded to make my XXXX payment of XXXX but within a couple of days of making my XXXX payment I was served by the sheriffs office with papers from Lendmark stating I was being sued. Now this is very confusing because I have every intention of paying my loan back which is I why I signed a deferral agreement in XXXX for the XXXX payments I missed and I made my payment in XXXX so why am I being sued. Ive already reported this company to the XXXX and I also plan on sending a email to their corporate office and to the local news channels to see if any investigative reporters can assist me with getting to the bottom of this shady business tactic. LENDMARK FINANCIAL=BAD BUSINESS!!!
Consumer complaint received 2022-08-19
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: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I received an offer from American Express ( Amex Offers ) in XX/XX/XXXX which I was able to attach it to the 3 cards ( Primary card and 2 Authorized User cards ). Each offer term stated that you are entitled  to 10 % statement credit at XXXX till XX/XX/XXXX upto a maximum of {$100.00} total. These offers were attached individually to each card which is available under a separate login to each user. The purchases were made on XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX XXXX. All 3 accounts also got the {$100.00} statement credits as promised on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as per the terms and conditions. However in XX/XX/XXXX two of the {$100.00} statement credits were reversed. 

I have called in 3 times since the time I noticed the reversal and each time was given an excuse that credits can only be awarded to the primary card member and not to the other authorized users even though the offers were individually attached to each card by their respective users. 

I can provide proof on hundreds of instances in the past where the credit has been awarded to all users individually and their terms and conditions were identical to the XXXX offer.
Consumer complaint received 2022-08-18
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. (CT)

The issue involves Equafax. They have stopped allowing my credit report available to me online and through XXXX XXXX on XXXX. After 5 calls to customer support and being on hold for hours and requesting a supervisor I was hung up on several times. I then sent a written Letter to XXXX XXXX with a copy of my social security card, and a picture drivers license with my current address requesting that " I request an internal block removed from my account. ( Ref # XXXX ) .Nobody to date could explain or repair this problem with my Equifax account. PLEASE HELP ME!
Consumer complaint received 2019-04-09
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: EQUIFAX, INC. (WA)

four fraud accounts have been reporting on my credit file, for the longest time, and i have been disputing these inaccuracies, with equifax credit reporting agency, they have not been helpful at all, and XXXX and XXXX have deleted all these inaccuracies except equifax. and they are not even listening now to what u have been trying to explain and they are placing inaccurate disputes and wrong explanations for each disputes. please help me out, i have researched and found out that you are here for consumers to back them up, so i am writing to you in this regards, these few months have been disaster for me and my family. i have never lived under the address the addresses that they are discussing i keep explaining but they dont care. 
please have all these inaccuracies removed from equifax sporting. XXXX bless you.
Consumer complaint received 2019-02-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/XXXX I received a payoff letter from Ally Financial when my husband and I were buying a condo. We closed on XX/XX/XXXX and a check was made payable to Ally Financial for the amount stated in the payoff letter. I contacted Ally in XX/XX/XXXX as it was still showing open on my credit report. They assured me they would take care of this. Fast forward.. I contacted them several times since then to dispute the same problem. Same answers were given. It is still showing open on my credit report, it is s now XX/XX/XXXX and many months later and I need some help to get this to show closed and off my report. I am attaching the payoff letter and the cancelled check from the title company. Can you please help me?
Consumer complaint received 2023-06-11
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. (LA)

On XX/XX/ and prior not sure exact date in XXXX. I filed a dispute to all three credit agencies regarding incorrect information that is currently being reported on my credit report. Two of the three credit agencies corrected the information besides Equifax. I filed two disputes along with supporting documentation to Equifax and XXXX stating that the balance is XXXX and I personally closed this account myself. Equifax updated my credit report stating the information is correct. Which it is incorrect because I have paid this account off since XXXX and I closed the account in XXXX. I sent them a XXXX balance statement and also a letter from XXXX stating that this account was closed. Equifax refused to update my credit report and its hurting me to get future credit at a better rate. 
The account currently showing on my credit report is : XXXX XXXX Account # XXXX balance {$1500.00} and it still showing open. The last reporting data was since XXXX XXXX
Consumer complaint received 2022-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (PA)

Each month I pay more on my account and asked that it is applied to the principal amount due. The loan has not gone down and instead I am sent a bill minus the amount I paid. When I speak to a representative from Hyundai Motor finance they are unable to explain why.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I have a loan with CARRINGTON MORTGAGE SE XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, XXXX and XXXX  credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX  and CARRINGTON MORTGAGE SE with no successful resolution. XXXX, XXXX, and XXXX are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (CA)

I have a XXXX credit card. My payment due date was XXXX XXXX, 2015 - I made a payment on that day through their online credit card site. When I went to review that the payment went through the following day on XXXX XXXX, their was an acknowledgement of the payment and listed as " pending '', yet there was also a {$35.00} Late Charge fee - POSTED ON XXXX XXXX - the SAME day as my payment was made. I find this a disreputable practice in XXXX ways ... ( 1 ) They should not assess a late fee ON the Due Date - if anything it should be the day after. ( 2 ) The fact that a Late Fee is even posted to my account is a blemish on my credit record. I contacted their online 'chat ' service immediately and the representative stated that the Late Fee charge would be removed. I will follow-up & view my account online again on XXXX XXXX to ensure that, indeed, occurred. Overall, this is an unsavory business practice, XXXX!
Consumer complaint received 2022-08-19
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: DISCOVER BANK (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Student Loans are through Navient. In XX/XX/2018 I renewed my IDR through Student Loans.gov. In XX/XX/XXXX I called Navient and a girl couldn't locate it, so I called back and spoke to a guy who said he did locate it, but it was not processed. He said he would put a rush on it and in the mean time do a forbearance to bring account current through XX/XX/XXXX. I did that, and in XX/XX/XXXX I began getting mail, emails and phone calls about payments. I called them in XX/XX/XXXX and the girl said it was still being processed. Now we are at end of XX/XX/XXXX and I'm still getting phone calls, statements and emails that I'm behind in payments and that I should do a forbearance again. I sent them an email stating that I would not do that and that they need to do their job and process my IDR. I even check on the website and it was never processed.
Consumer complaint received 2022-08-19
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: Go Capital Holdings, LLC (GA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.