davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-28
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: EQUIFAX, INC. (LA)

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CO)

my daughter viva reieved an application for credit card from DISCOVER XXXX with all kinds of bonus credits free XXXX score Apple payback never responsible for any unauthorized purchaces 2 % cash back cash back for good grades ( most predatory of all ) 0 % APR on purchases for first 6 month 13.24 % -22.24 % interest no annual fee cash back match first year offer ( whatever the heck that is ) call their XXXX number under XXXX can only apply on XXXX to get off list if she does n't give permission
Consumer complaint received 2017-02-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX XXXX I was guaranteed a 80 % 7 yr ARM to purchase a property. In XXXX I found a property and had in hand a document stating that I had the 80 % loan. I signed the purchase at the end of XXXX XXXX. A 30 day escrow was entered and Wells already had almost all of my financial info at that time. On XXXX XXXX, 2015, one week prior to closing, Wells dropped the loan amount to 75 %, which I agreed to. The Escrow was extended a week since Wells needed more time to close but stated they would have the documents ready to close within days. When they still had not closed 3 days prior to the extended date, I called my XXXX at Wells who could not tell me if they could now close on time. In order to not lose the property and my deposit, I suggested to the Wells broker that I could pay for the property with cash, coming from my IRA, IF she could guarantee me they would close the deal, so all my IRA money could be paid back within 60 days. She told me they should be able to close easily within 10 days. It turned out to be 45 days, then they provided me with a loan of only LESS THAN 60 %. This caused me to be unable to pay back {$170000.00} to my IRA, leading to a income tax bill of {$76000.00}. ( please see attached documents. )
Consumer complaint received 2016-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (GA)

I have been paying my loan servicer, Mohela, an extra amount each month to pay my loans off quicker. I sent them a letter directing their accounting department to apply money above and beyond the amount due on each loan to the principal of the loan with the smallest balance. Twice now they have misapplied funds and sent me past due notices in between statements. When incall about this they tell me it is impossible for their accounting department to keep my instructions and follow them. I think this is nonsense. Please look into this
Consumer complaint received 2015-03-20
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (CA)

They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
Consumer complaint received 2016-12-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Signature Bank (NY) (NY)

Check was issued to payee, money was deducted from checking acct, however payee never received moneys and check was never endorsed by payee. Transaction happened XXXX, XXXX XXXX XXXX XXXX Signature Bank, XXXX. XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2017-05-23
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SLM CORPORATION (GA)

XXXX  : questioned by the attorney working for the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ) abo ut the loan in question ( she should not have had knowledge of it whatsoever )  XXXX  :   XXXX   and held in  XXXX  in  XXXX   XXXX   XXXX  for   XXXX   XXXX   related to this student loan  XXXX  : previously reporte d Sallie Mae for v iolations of their privacy policy and disseminating personal information about my loan to a  3rd  party (  XXXX  attorny  XXXX   XXXX   XXXX  )  XXXX  : was incarcerated in  XXXX   XXXX   XXXX  for  XXXX    XXXX   related to this student loan ; was informed that it had to do with  Sallie Mae wanting to pursue  charges  XXXX / XXXX /  XXXX   : Released cosigner from liability relating to this student loan ( mailed letter to  Salli  e Maw hea dquarters ). Spok e to a Sallie Mae representative on the phone, was told that the loan in question was in default and he gave me two s ettlement options ( neither of which is practicle nor can I afford them )
Consumer complaint received 2016-06-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (LA)

I am filing this complaint because XXXX, XXXX, Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (CA)

I received a credit card offer to transfer funds for 0 %, I responded to the offer on XX/XX/XXXX. The only reason for opening an additional credit card was to take advantage of the balance transfer. I called on XX/XX/XXXX to follow up on the transfer and was told it would take 7-10 business days. I called again today to follow up and was told it would take 10-14 business days and that their records indicate that I did not request this until XX/XX/XXXX and I should see it post by XX/XX/XXXX. I spoke to a supervisor who stated that a check will be mailed to me in 7-10 business days. I have never had a balance transfer on a credit card be sent personally to me as a check. I am furious that I jeopardized my credit by opening an additional credit card with a specific purpose to do a balance transfer and they are XXXX around with it, not processing it and not processing it per normal industry standards. I spoke to a different supervisor asking to cancel this transaction so I can take my business elsewhere. That being said, I 'm not stuck with this credit card on I do not want or intend to use. Wells Fargo needs to be investigated for their practices.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't 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 im XXXX now.with no help.
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MN)

We have been Mobil credit card customers since the XX/XX/XXXXs. Up until XX/XX/XXXX we received one bill per month which we always paid. 

Suddenly in XX/XX/XXXX we received two bills from Exxon Mobil in one month. One bill referenced the number on our credit card ( which we have had for many years ) and the other a credit card number that was unknown to us. 

XXXX XXXX wrote a letter to them dated XX/XX/XXXX explaining that we paid the bill charged to the credit card we possess and explained that we would not pay the other bill since we disputed that they were our charges. 

We received a form letter that did not address our issue at all but stated we needed to call customer service. XXXX XXXX called customer service multiple times, all with unsatisfactory results. Here is the chronology : In the first call, he was told that we must pay both bills, and the late fees would be subtracted. We declined to pay the bill we did not owe. Late fees were removed from the charges to the card we actually possess. 

We continue to get billed for the other amount which included new late fees so XXXX called back in XXXX to say that we would go ahead and pay the other bill which was {$61.00}, even though we never possessed a credit card with that number, because we wanted this nuisance harassment to stop. We expected that any late fees would then be waived as we were paying a bill we dont believe we owed. 

Even though we paid the {$61.00}, we continue to receive bills with late fees applied to late fees applied to late fees. We didnt realize XXXX XXXX now runs Exxon Mobil . 

XXXX called a third time and spent over an hour being passed from one representative to the next. He finally got someone to understand that we had paid all gas charges from both bills and needed to get the subsequent late fees waived ( which no one had been able to do because their policy says late fees may be waived only once per year ). The person who understood his explanation said they would connect him to the finance/billing office so he could resolve this issue once and for all. Instead he was connected again to a new front line customer service rep who couldnt help at all. 

The crux of the problem is that Exxon Mobil began billing us with a credit card number unknown to us. Up until XX/XX/XXXX we had a Mobil card number ending in XXXX. ( We no longer have that card we cut it up and sent it back to them as we no longer want anything to do with them. ) We do not have and have never had in our possession a Mobil card ending in XXXX. Since we never had this physical card in our possession, it is literally impossible that we would have physically used it to buy gas, or anything else. 

We challenge anyone to make any sense out of the bills they send us.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma (TX)

I'm having issues with credit karma an XXXX XXXX I understand the two are working together but my transactions are being messed with refunds to my bank account is what I was told I would be getting from XXXX XXXX XXXX XXXX  says contact my bank my bank is website is not running at the moment i got pics of everything from both sides an what they both have told me
Consumer complaint received 2020-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc. (CA)

On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account. 
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.
Consumer complaint received 2016-05-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Big Picture Loans, LLC (IL)

I took out a loan with a company called castle payday of {$400.00} dollars which I could payback within 30days it was my understanding that I could pay this loan back without being charged to much interest on my loan I come to find out that this company tried to have me pay {$1700.00} on this {$400.00} dollar loan which is absolutely insane this company is a predatory lender and I would like to have at least {$500.00} dollars returned to me this company should no longer be allowed to be in business it s outrageous that they are allowed to be in this nation ruining people s lives money is very hard to come by nowadays I don t know anyone who can afford to give it away like that please shut them down so no one else has to suffer the way I have these past 8 months thank you.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: DailyPay, Inc (MD)

Tuesday thru Saturday I was to have my earnings posted on Daily Pay. Each time and day I called in I was given a different excuse as to why my available earnings have not been posted. Daily Pay also holds my regular pay for my payroll thru their bank, which is XXXX XXXX. Now the excuse they are sticking with is they have a system outage that has lasted since Thursday with no resolution time in place, yet I have not been paid even before the so-called " outage ''. They claim their system outage is to enhance our experience yet this enhancement is causing me not to get paid. It is the same verbiage and script that is given on each call or chat with again, no resolution in place. It will take a month for them to even have them removed and end business with them so my pay is tied up with them with an outage they have no clue as to when it will be fixed and I have bills to pay and need gas for work.
Consumer complaint received 2021-10-03
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (AL)

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have no knowledge of this company or alleged debt or have a signed contract with this company to do business with them. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (PA)

Hello. I am paying this debt off today but I want action because I never received any type of notice that I owed them for this debt and it shows then in a collections account. I am paying the debt and want it to be reported immediately for there negligence on any type of letters, phone calls that I never received notifying me of this debt. I will pay it but I want prompt reporting that it was paid. Unacceptable that I never received anything saying I owed XXXX to them.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I checked my credit score and saw Navient reported XXXX payments as being late in XX/XX/XXXX. They take payments out of my account automatically ( and have been since setting up a payment plan in XX/XX/XXXX ) so there is no way the payments could be late. Because they reported XXXX late payments my credit score went down by almost XXXX points! I attended XXXX University XXXX and graduated XXXX University.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MD)

This charge from XXXX was never supposed to be added to my account. I have spent 6 months getting XXXX to remove this charge and clear my balance to {$0.00}. I was told the charge was removed from my account over 5 months ago. I have been released from this erroneous charge. They guaranteed me that this would never be an issue on my credit report, as I pride myself with keeping a very high credit score. Someone needs to get through to this company and confirm the charge was removed.
Consumer complaint received 2022-02-28
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: AMERICAN EXPRESS COMPANY (CA)

Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 Amex on XX/XX/2022 XXXX XXXX XXXX XXXX  on XX/XX/2022
Consumer complaint received 2017-03-09
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: KEYCORP (NJ)

Man by the name of XXXX continues to call family members about a debt that is not valid. He continues to leave threatening voicemails on my family members as well as my cell phone stating " This is a very serious matter '', " I must call him back ASAP ''. I once spoke to him and he stated that " before this gets out of hand, you and your father need to make a decision about paying this ''. He would not stop trying to " sell me a deal '' with some outrageous requests such as taking loans out so I could pay him before I ruin my fathers credit.
Consumer complaint received 2024-03-09
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (OR)

Received a Statement with a charge of {$1.00} for " Paper Statement Fee '' on XX/XX/2024. Tried to get Answers and inform them that they need to provide statements for free. Also, you may not access your statements unless you agree to online Statements.
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Management Partners, LLC (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.