davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I have refinanced my student loans with Citizens bank and they paid off my other loans. The payout went out on XX/XX/2021 but they never fully paid off my loans. 3 of the 4 loans were paid but they have not paid off the 4th loan yet. They claim the problem is with paperwork but yet after many calls between both loan agencies the issue has not been resolved. I have been told that they are experiencing issues with that loan provider who they did not ever pay off. I am now paying the full amount of the refinance as well as having to pay the 4th loan provider as well out of my own pocket every month. They wre double dipping and refusing to act upon it and cancel that one loan out of my refinance and give me a new monthly payment. So I am not paying the loan they never paid twice. They are ignoring my email and phone calls and are providing no help whatsoever. It has now been almost 6 months and nothing has changed. They are practicing fraudulent activity and refusing to give me my money back
Consumer complaint received 2020-07-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (PA)

A installment home loan in XX/XX/2000 at a interest rate of 10.94 %. There were to be 240 monthly payments of XXXX. I have finished making all except the last one due for the amount of XXXX. I said they took to much interest and did not apply enough to the principle.Last payment was due XX/XX/XXXX. They told me this is how the interest is calculated. Just because it was an installment loan, does not change how they charge interest. I would like someone to look at this installment loan and explain what is happening and why my final payment is XXXX.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (VA)

Today I filled out an online application to open a savings account at XXXX, a subsidiary of Webster Bank. My application was declined with no explanation except " we were unable to verify your identification ''. When I called them, they speculated on several possible reasons, but they were unwilling or unable to tell me how to resolve this issue. So I went through the entire process a second time and got the same result. 
There was absolutely nothing wrong with my application. Everything is correct. My credit scores are XXXX, XXXX, and XXXX.
Consumer complaint received 2021-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Lvnv funding LLC I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I contacted Wells Fargo Dealer Services on Monday, XX/XX/2020 to advise the payments for XXXX & XX/XX/2020 were not reflected on my three credit bureau reports. I expressed that I am in the home buying process and I need those payments reflected. I was advised they would provide a copy of my transaction history to submit to the credit bureaus. On XX/XX/2020, I received the transaction history via email. On XX/XX/2020, I contacted XXXX  and was advised that all information must come from the creditor not from me. On that same night, I contacted WFDS and was advised to send a letter to their Credit Bureau Operations Department. 

I have the same issue with my student loan servicer, XXXX.
Consumer complaint received 2024-05-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

I received several XXXX  and XXXX messages that said congradulations on your approval with a link that instructed me to follow to accept the loan. After following the link I come to a page asking the amount that I wanted to borrow, up to XXXX each time I hit next, I would come to a page that was pre-populaed with my information. I come to the final page that said I accept. within a minute I get a notice that Prosper is not able to approve the loan. Ithen get an XXXX  stating that my acount has been suspended for XXXX days with no explanation. Based on Prospers deseptive loan practices my XXXX XXXX has dropped be cause of a hard pull on my credit file, making it harder then ever to get credit.
Consumer complaint received 2018-02-02
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. (IL)

Equifax has failed to properly investigate the following issues on my credit report in accordance with the FCRA. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2020-06-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of Fort Walton Beach, Inc (GA)

Went to the doctor several years ago. I was pretty sick with, need intervention at the time of arrival. Doctor 1 came in, said I had a XXXX and sent me on my way. Two days later I was no better, and went back to the medical center with same symptoms if not worse. Doctor 2 come in and says why didnt you come in sooner, you XXXX is basically XXXX. Two days would have been sooner enough. 
Doctor 2 Set me up for a round of XXXX and XXXX. Doctor 1 was the individual to administer treatment, and has the audacity to say looks like it got worse. 

Regardless of the situation, I was never contacted by the collections company in regards to the debt owed for what I would call malpractice.
Consumer complaint received 2020-07-14
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. (FL)

I HAVE BECOME A VICTIM OF IDENTITY THEFT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN SOME ACCOUNTS WITHOUT MY KNOWLEDGE. I HAVE NO IDEA AS TO HOW AND WHEN THIS WAS DONE. I AM ASKING THAT A RE-INVESTIGATION TAKE PLACE SO THAT THE ACCOUNTS CAN BE REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME.
Consumer complaint received 2018-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & E Futures LLC (IN)

Per notification letter from XXXX XXXX XXXX states they will collect interest, late charges, and any other charges that may vary from day to day. Under the fair debt collection laws Section 808 ( 1 ) it states they can not misrepresent the amount of your debt or collect any amount greater than your debt. XXXX XXXX XXXX are being misleading with the amount of debt that is supposedly owed.This company has violate the fair debt act and my rights as a consumer in there notification letter.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (RI)

THE WORST EXPERIENCE WITH A LOAN COMPANY, BAIT AND SWITCH, COST ME A XXXX APPRAISAL FEE OF MORE IN LOAN SERVICE FEES AND MADE ME PAY OFF CREDIT ALL TO FIND OUT I DIDNT QUALIFY FOR LOAN THE PROMISED FROM START AND TRIED TO PUT ME IN A LOAN TO BENEFIT THEM AND PUT ME BACK MORE IN DEBT, THIS MORTGAGE COMPANY HAS TONS OF COMPLAINTS CHECK THEM ON XXXX THE HAVE A BUNCH OF COMPLAINTS DOING THE SAME THING TO ME THE BAIT AND SWITCH YOU MEANING THEY TELL YOU WHAT YOU WANT TO HER AND AFTER YOU INVEST MONEY TURN THE LOAN AROUND TO SOMETHING THAT DOES NOT HELP YOU AT ALL KNOWING THAT THEY KNEW IN THE FIRST PLACE THEY COULDNT PROMISE YOU THAT AFTER GIVING THEM ALL THE PAPERWORK
Consumer complaint received 2021-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC (TX)

I believe my personal email was hacked on or about XX/XX/2021. I usually recieve about XXXX emails a day, then I received about XXXX. One of the emails was from Bright Lending/XXXX about an effort to collect a debt. I have no outstanding credit issues that would be in collection. I called Bright Lending and told them I have received an email from them in error and I had no debt in collection. They requested my social security number, address and other information that I refused to provide. I asked how to dispute the error and I was directed to their webiste. I disputed the claim. 
On XX/XX/2021, I received an email and attachments from them indicating I owed them {$2700.00}. The attached documents include an what looks like a loan form for {$800.00} at 666 % interest, now due. There is a loan document with my name, address, and cell phone number and with no signature. I responded to the email and indicated I would continue to dispute. I did not enter into any agreement with Bright Lending.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (TX)

I had a mortgage with Faye servicing that was paid in full in XXXX. I went into preforclosure before but i sold the property and they reported to credit bureaus as forclosed. I fought that online. They then continued to report zero payments made as of XXXX. I called faye servicing and they can not find my account because it was paid in full and closed in XXXX. When faye servicing reported zero payments being made as of XXXX it dropped my credit score 61 points. I immediately contacted both faye and the credit bureaus. To this day i have not recieved the 61 points back and it has not been corrected. I want faye servicing to remove any negative remarks and late payments since the late payments were not really late. My check was sitting on one of there workers desk under paperwork and no one was aware. They are a horrible company and should be investigated.
Consumer complaint received 2020-07-14
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. (TX)

on XX/XX/2020 a formal letter was mailed to the credit bureau regarding the accuracy of information being reported for XXXX XXXX XXXX Account # XXXX. I requested immediate deletion of this account due to incorrect connotation. 

As of today XX/XX/2020, which is well past the allowed 30 days to respond, the credit bureau has failed to delete this account. Therefore I request that this account be deleted from my credit report immediately.
Consumer complaint received 2020-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TransUnion continues to report bankruptcy related information on a bankruptcy filed more than 10 years ago ( filed in XXXX ). My XXXX account was reaffirmed in my bankruptcy, so the remark on my credit report is " reaffirmation of debt ''. I should not continue to be penalized or have a " derogatory '' account in my credit file for a bankruptcy filed more than 10 years ago. In accordance with the FCRA, the derogatory marks on my credit report related to that bankruptcy SHOULD NOT be reflected on my credit report. This same situation was happening with XXXX, so I filed a CFPB complaint involving TransUnion, XXXX and XXXX. ( It is also important to note that the XXXX account was closed on XX/XX/XXXX and XXXX XXXX  was closed on XX/XX/XXXX - both with perfect pay histories. ) TransUnion responded to the complaint ( and my phone call ) advising that XXXX and XXXX had to request the removal. XXXX has already done so, but XXXX refused to take action. Until XXXX takes action and asks for my credit line 's removal, I will continue to have a " derogatory '' remark on my credit file - and this is a violation of the FCRA.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LoanCare, LLC (IL)

I am REWRITING to complaint to LOANCARE SERVICING about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/year>. The FTC report numbers related with this complaint XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

Received a text message from XXXX ( XXXX ) XXXX with the message 1ALERTS : Dear Fifth Third Member, we have received a XXXX Transfer request of XXXX $ to ( XXXX XXXX ). Not done by you? Review https : XXXX. I do not have a fifth third account so this is obviously falsified and fraudulent.
Consumer complaint received 2020-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery Partners, LLC (CA)

On XX/XX/XXXX at XXXX XXXX a XXXX XXXX driver ( XXXX XXXX LIC XXXX ExpXX/XX/XXXX ) was driving over the limit speed on XXXX XXXX hit my passenger door ( got broken ) failed to stop ( hit and Run ) and return the minutes after the crash, stated that she was driving under the influence. The rear rear mirror of her car with the impact got broken. I had called the XXXX XXXX and My Insurance to let them know what happened. I have a Liability Insurance with XXXX XXXX XXXX. My XXXX XXXX failed to follow up with the Claim ( did not pay it ) and now XXXX   XXXX  put me into collection. I feel that My XXXX XXXX  did not comply with the claim or nothing was done.
Consumer complaint received 2020-04-26
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: WELLS FARGO & COMPANY (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2018-06-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (KS)

I have been with LoanCare for the past 10 months and on XX/XX/XXXX i  refinanced my mortgage with another lender. LoanCare sent my escrow in to cover my taxes 10 days prior to close knowing I was in a refinance. The tax office sent a {$2300.00} refund back to LoanCares 3rd party tax office XXXX which in return sent the refund back to LoanCare once it was processed. LoanCare received the refund at their office on XX/XX/XXXX. I have called numerous times and spoke with 3 different supervisors who have stated that they have escalated the refund information to their tax office to issue a check to me. I have called everyday and get different information as to the status of my refund. XXXX received the refund from the county tax office back in XXXX after I closed.
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

The credit card company American Express offered a XXXX XXXX offer, which was purchase over {$500.00} and get {$100.00} back. I enrolled in the offer and made a purchase over {$500.00} from XXXX XXXX website. However, the credit card company said I enrolled in the offer after I made the purchase and refused to give me the {$100.00} cash back.
Consumer complaint received 2024-05-16
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: Resurgent Capital Services L.P. (NJ)

On XX/XX/2024 per Certified mail # XXXX a letter requesting that the company claiming that there's a debt owed validate such claims. I requested the company to provide any information to prove such claims as well as calls to follow up in the month of XXXX to absolutely no avail.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Consumer complaint received 2021-11-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am very upset with this issue. I sent a letter to the credit bureau regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2020-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

American Express has closed my credit account, but every month reports that the account has been charged off. They have been reporting this as a new charge off every month which affects my credit rating. 
I have contacted them in XXXX to negotiate and discuss, but they feel justified in newly reporting a charge off every month. 
The account has been closed since 2017 and this has just began happening.
Consumer complaint received 2020-11-26
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. (LA)

On XX/XX/2020 I submitted documentation and a Dispute letter for unknown and inaccurate accounts on my credit report its over 30 Days now but I haven't received any response yet. I was a victim of Equifax data breach. Need to remove those unknown and inaccurate accounts or I will file litigation.
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (AZ)

I made a mobile deposit on XX/XX/XXXX which is deposited on XX/XX/XXXX. I made my mortgage payment & other transactions on XX/XX/XXXX. Now BBVA Compass is charging me {$160.00} in fees for those charges on XX/XX/XXXX.  Screen shots of my bank activity from my BBVA Compass mobile app are attached for your reference. After 2 hours on the phone with various people & a trip down to my local branch, I was told they will not waive these fees that are clearly errors within their system.