davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-20
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 (NJ)

I recently applied for a WELLS FARGO VISA Credit Card. Several days later I was rejected based upon a list of possible reason ( s ) for the declination. 

Several months ago, Wells Fargo closed my {$2000.00} line of credit which I held with a local furniture company. They did not inform me and then reported that I, the consumer, had requested the account to be closed. That is untrue as I did not want the account closed. I did not contest the falsity of that on my Credit Report ( s ) though in hindsight, I should have. 

Now that Wells Fargo has rejected me for this VISA Card I suspect, although I obviously am unable to prove it, that they are discriminating against me for reasons of my age ( XXXX ), my sex or my race. I can not understand their " lack of reasoning '' when my current credit history is excellent ; I pay my bills timely, and I have other banks which find me credit worthy. 

I am therefore bring this Complaint under the purview of the Federal EQUAL CREDIT OPPORTUNITY ACT which prohibits creditors from discriminating against credit applicants under various forms of discrimination, including and not limited to, age, race, sex, etc. 

In trying to do online research it appears that Wells Fargo is infamous about the sleight of hand which they use when determining whether an individual is credit-worthy. Again, I am unable to " prove it '' but I see no other reason for their declination aside from some form of " hidden to the applicant '' discrimination. 

I bring my case before you and I ask that you advise me of your thoughts on my concerns against WELLS FARGO BANK. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/2018 I ordered a product from merchant ( XXXX ) in the amount of {$230.00} via XXXX which is attached to my debit card from Chase. A week had gone past and I never received my item. I contacted the merchant numerous times where they wouldnt give me answers. I then contacted my bank ( chase ) to start a claim as I never received my product. They said they would take care of me and issued me a credit. I have never received my product. On XX/XX/XXXX There was a claim reversal. I contact chase on XX/XX/XXXX to discuss the issue because I shouldnt be responsible for an item I never received. I spoke with XXXX in claims who stated that the tracking number shows its delivery and I there is nothing I can do. I ask for a supervisor for which he places me on a long hold and then tells me they dont have supervisors. I said that is absurd and requested one again. He came back after another long hold and informs me that they do t have any available. He says I need to take this up with the merchant. I plead as I do not want to be out of the money for something I didnt receive. I contact the merchant and ask for help and they inform me there is nothing they can do now that it is almost 4 months later.
Consumer complaint received 2018-07-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient purchased my loan from Sallie Mae several years ago. During that time, they delayed, through forbearance, my payments which ultimately came due in early XX/XX/2017. I've made payments since then, but at times, have struggled to make the full monthly payment. I've called Navient to ask for additional forbearance, or to reduce my monthly payments temporarily, but have been told no every time. I've called at least 5 times to speak to different account advisers. I am willing to make payments, but can't pay the full balance due each month, and because of the initial forbearance and interest charged, I'm paying each month only the interest balance and the loan balance is staying neutral and exists to this day. The initial balance borrowed was ~ {$13000.00}, and is now over {$18000.00}. I don't know how I'm expected to pay off this loan when Navient continues to charge interest and refuses to help by lowering my monthly payment or allow me additional forbearance time to gain better financial standing. In addition to Navient I have over $ XXXX  in student loan debt, but the other providers ( XXXX ) have been willing to work with me - Navient has not.
Consumer complaint received 2019-05-29
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: BARCLAYS BANK DELAWARE (CA)

I have a open & active credit card account with Barclays. My credit limit is {$25000.00}. It is not showing on my credit report.
Consumer complaint received 2017-03-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

I disputed XXXX items on my credit reports relating to debts that Portfolio Recovery had been attempting to collect on. As part of the dispute process, Portfolio Recovery sent out a copy of the bill and a letter from XXXX, but I never received any validation documents, such as a signed contract or anything. While discussing it with them, they claim that the bill is validation. any help would be appreciated.
Consumer complaint received 2022-09-14
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 — Their investigation did not fix an error on your report
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I'm doing a follow-up the an earlier complaint account numbers : XXXX XXXX Under the Fair Debt Collection Practices Act, you are required to respond to my request for validation within 30 days of receipt of my communication. However, it has been more than 30 days, and I have yet to receive a response. Under both State and Federal consumer law I have the right to get have my debt validated, and you are obligated respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act and may result in an investigation of your company by the Federal Trade Commission.

Any attempt to collect on this debt without properly validating would be in violation of the FDCPA and State consumer protection laws. Should you continue to attempt to collect this debt without validation, I have the right to sue you in small claims court and subject you to a fine of {$1000.00} per violation, as well as my attorney fees and court costs as damages. 

In addition, I would like to remind you that you are legally obligated not to report a debt that has not been properly validated to any of the credit bureaus. I understand we had communication through the cfpb system but I have never received a validation letter and still you sit on my credit report. I will not hesitate to report these violations my State 's Attorney General, the Federal Trade Commission, and file a complaint with the Better Business Bureau.
Consumer complaint received 2021-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc (IL)

I tried to open an account with Chime on XX/XX/2021 and was rejected based on information from a 3rd party.

After inquiring about the reason and the information of the 3rd party so I could direct potential questions to the 3rd party, Chime insisted in both refusing to give me a clear reason nor the information of the 3rd party they based their decision on.
Consumer complaint received 2020-08-22
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: Experian Information Solutions Inc. (FL)

I do not recognize the following inquiries on my Experian credit report. 

XXXX  XXXX XXXX, inquiry date XX/XX/2020. This inquiry is unauthorized, a violation of FCRA rules XXXX XXXX  XXXX, inquiry date XX/XX/2020, This inquiry is unauthorized. A violation of FCRA rules. 

XXXX, inquiry on authorized, a violation of FCRA rules
Consumer complaint received 2020-08-22
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: CAVALRY INVESTMENTS, LLC (SC)

I have a loan with CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CAVALRY PORT ( Original Creditor : XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, and  XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2024-02-23
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We make many online payments through XXXX XXXX, XXXX online bill pay web site. 
XX/XX/2021 : Made online pay bill of {$15000.00}, to be delivered by XX/XX/2021, XXXX # XXXX ( bill was high due to medical/dental fees ( {$10000.00} ) and propane gas for the winter, {$3300.00} ) XX/XX/2021 : Received an email XX/XX/XXXX notifying us a check was mailed on XX/XX/2021, did not think it would get there in time to avoid a late payment charge. Quickly checked to see if an XXXX pay bill would be delivered by next day. Paid {$500.00} more XX/XX/2021, XXXX # XXXX XX/XX/2021, Checked XXXX web site, {$500.00} received. Phew no late charge. 
XXXX : Spoke to the following at XXXX Bank XXXX XXXX ). Had not received the check as of XX/XX/XXXX. 
XXXX # XXXX, XXXX ( supervisor ), XXXX XXXX ( Department Manager ), XXXX ( Operations Manager ), XXXX not get her position, nor get last names for most of the conversations. Asked if there is consideration for a customer who has always paid on time and in full. ( Always! ) No consideration. Result : they would not back date the check which came in late XX/XX/XXXX, payment was due XX/XX/XXXX. They said that it is XXXX Banks fault. Therefore, the finance/interest charge was {$200.00}. 
XXXX XXXX Called XXXX Bank XXXX XXXX with XXXX, who said she was the XXXX, said XXXX XXXX Bank XXXX XXXX the check which was dated XX/XX/2021. See above with the results of those calls. 
XXXX XXXX called and visited XX/XX/XXXX Bank XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
Left messages and was told there is a new manager. 
XX/XX/2021 : Met with XXXX XXXX. He would call XXXX and other XX/XX/XXXX Managers? Will let us know. Never called back. 
XX/XX/2021 : Called bank, XXXX was with a customer, will get backnever did. 
XX/XX/2021 : Visited branch, met with XXXX XXXX, he had no help for us. Informed him that we will be contacting the XXXX of Massachusetts XXXX of Banks. 
Received A letter from XXXX Bank XXXX XXXX that they sent a " good faith letter '' to XXXX XXXX Bank. 
No results as of XX/XX/2021 Since XXXX Bank, NA is not located in Massachusetts, XXXX XXXX XXXX XXXX said to submit complaint through CFPB
Consumer complaint received 2020-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Capital Enterprises, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-07-02
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)

XXXX  XXXX EQUIFAX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.
Consumer complaint received 2017-08-01
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. (MA)

I had sent a request to all three credit bureaus to remove the tax liens currently on my credit report because they do not meet the criteria to be posted on my credit reports since the reporting agencies updated their policies regarding The minimum information needed for a tax lien to be included on a credit report on XXXX XXXX 2017. XXXX and Equifax both came back that the information on the tax liens was " updated '' and still remained on my credit report while XXXX found that there was not sufficient enough information for the Liens to remain on my credit and it was removed. If XXXX found that there was not enough information from The courts where the Liens were filed, then there is no reason why XXXX and Equifax seem to think there is enough information given the information comes directly from the same court No matter which agency was To look at the information. Instead the third party who reported the Lien to Equifax and XXXX just updated the information I provided to prove their was n't enough information in their own system and sent it back saying the data was " updated '' this is illegal and the information needs to be checked against the court record from the court system only.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

We had paid for a trip with XXXX using our Citi Credit card. The company took our money and then never returned it or paid the XXXX party for the service. The company essentially stole our money without providing any good or service. We noted this to citi multiple times noting that XXXX had taken our money and then declared bankruptcy. Citi noted there was nothing they could do besides for disputing claim with XXXX and their merchant bank. I believe this would constitute a billing error and Citi has never sufficiently answered this problem concerning the issue. It appears citi credit cards provide no protection and citi is unwilling to be responsible for stolen funds from our credit card.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX offer me a credit card when I purchased a laptop from XXXX XXXX store. Its been already one and half month, they have not sent me the credit card yet. They did not give me any account information and I am unable to access my account. As there is no online access I am unable to pay the monthly installment and my credit score is getting affected. Whenever I called the customer care they keep sating that i am supposed to get the credit card within a week but no action has been taken from their side.
Consumer complaint received 2020-07-20
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. (GA)

CFPB is knowingly allowing credit reporting agencies to violate the laws set to protect consumers under the FCRA sections 609 & 611. On XX/XX/XXXX XXXX  was mailed certified another dispute to remove inaccuracies from my credit file. On XX/XX/XXXX after no response, I filed a complaint here to no avail. CFPB set to protect consumers advised on XX/XX/XXXX they are allowing XXXX to violate the law further by providing an ADDITIONAL XXXX to respond. This is insane! How can consumers be protected if the protection is ALLOWING them to break the law!? I will not cease until action has been taken to make creditors and agencies uphold the law set to protect consumers! 

XXXX was advised to show procedural proof and contact of the those furnishing this information. I have attached the letter of suppression from XXXX XXXX which advises they are not providing public verification as well as a statement DIRECTLY from The XXXX XXXX Georgia Bankruptcy court stating verbatim that they DO NOT VERIFY OR SPEAK TO ANY CREDIT REPORTING AGENCIES! And another template letter from XXXX  dishonest stating that they in fact verified the information from the court directly!
Consumer complaint received 2021-01-19
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative 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 very inconvenient on my part!
Consumer complaint received 2021-09-13
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. (CA)

Back in XXXX of XXXX, I submitted a request to remove a fraudulent account on my Experian credit report of a XXXX XXXX Credit Card that I did not open nor did I sign any documents for. I never saw the account on my file until it became maxed out, then delinquent and then charged off. No explanation was given and this was opened during the massive XXXX XXXX fraud case and I suspected it was the case but when I went to complain to Experian, they contacted XXXX XXXX and of course they updated or " Verified '' the account but never sent me any documentation as to why that would be the case. The Charge off on my credit report is completely fraudulent and was never opened with my persmission.
Consumer complaint received 2018-07-02
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)

On XX/XX/2018, I received notification that a collection item had been reported on my credit report through Equifax. I followed up with Equifax and was informed that a collection action was reported on to my credit file with Equifax. I filed a dispute and obtained information regarding the collection items such as the creditor ( XXXX XXXX ), the account number, and contact number. After filing the dispute, I proceeded to contact XXXX XXXX. After speaking with them, I was informed that they reported a collection action for a person who shares the same name as i do ( XXXX XXXX XXXX ) and the same numerical address ( XXXX ). We both live in the same city as well. We do not share the same birthday, phone numbers, emails , street name address, or SSN. After receiving this information from XXXX, I contact XXXX  again to inform them of the mix up. They said it would take 30 day to resolve any dispute. I informed them that this was a mistake that they are responsible for and it has caused my credit score to drop from an XXXX to a XXXX. They said they could not do anything about it and that all they could do was file the dispute, even after i informed them that all XXXX was trying to do was to report the collection account to the other person and XXXX made the mistake of adding it to my credit file. I asked if they could expedite the dispute as it was their mistake and they said no. This is the second time a mix up like this has happen and my credit score suffers. This is unacceptable on their part.
Consumer complaint received 2021-11-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (OH)

Our mortgage, which was initially through XXXX XXXX  XXXX, has been in an approved Covid forbearance for several months, and we had agreed to a partial claim on the property allowing us to tack the past amount owed onto the end of the loan, in plans of resuming our regular monthly payments starting in XX/XX/2021. This was all documented and approved by XXXX XXXX. However, beginning on XX/XX/2021, the loan was transferred to BSI financial services without our knowledge. When I attempted to call XXXX XXXX  to make my payment, I was informed that our balance was XXXX and I would need to contact BSI. In doing so, BSI informed me that they were unable to take a payment from me at that time and that I would need to wait until all documentation was received by them before we could move forward with payments. They also requested a self authorization letter from us to allow them to speak to me regarding the account, which was sent to them via email. Since then, we have been informed that they have no knowledge of the forbearance or partial claim which was approved by XXXX XXXX  XXXX. We have also received a certified letter stating that we are in default to BSI for the amount of almost {$17000.00}. I have a maid multiple phone calls per week over the course of this month to both companies trying to correct this error. XXXX XXXX  has assured me all of the documentation has been sent and everything was approved prior to the transfer. BSI insists they do not have any documentation entailing these arrangements. We are now in danger of foreclosure on our property if we do not correct this matter. I have left several messages with my point of contact at BSI, with no return phone call. XXXX XXXX loss mitigation department has even attempted to contact them on my behalf multiple times. I am at a loss of how to correct this matter and avoid foreclosure activity on our property.