davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (MO)

My husband and I purchased a XXXX XXXX XXXX on XXXX XXXX,2015. After a closer review of our documents we have determined that we was charged for Vehicle Service Contract. We have a copy of the contract with our loan documents but we did not sign this contract and it was added in with our loan with Well Fargo Dealer Services. The total amount added to our contract was {$3300.00}. We never agreed to this service, and feel like the loan company was deceitful in adding it to our loan.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

During the year of XXXX I did a refinance with XXXX Banking and was charged XXXX in fees for the refinance that I was told by XXXX I was approved of before that payment. 
I used my Wells Fargo XXXX  XXXX XXXX to make that payment. 
After a few weeks I was told, I was not approved to refinance and would lose my XXXX payment after being told before I made the payment, I was good to go. 
I did a dispute with XXXX and was denied at first. I also did a dispute with Wells Fargo XXXX XXXX and was denied. 
Later after 6 months XXXX approved my dispute and removed the XXXX charge. 
I contacted Wells Fargo XX/XX/XXXX about the interest and fees that had accumulated on the payments during the time it was on my bill and no response. 
I have been a member of Wells Fargo from about XXXX to present and feel I should be a part of the settlement of the victim 's relief fund under incorrect fees charged on my debit card.
Consumer complaint received 2023-01-30
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. (FL)

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be updated from erroneous reporting in my file. 

XXXX XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2022-04-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Crow Creek Sioux Tribe (CA)

I signed the loan agreement yesterday - the loan was for {$1500.00}. 
I decided today that I wanted to pay a portion the loan off because of the high interest and have been trying to get a hold of someone. When I call the number XXXX, I am told I can make a payment online but there is nowhere to do that. If I press any number, I get immediately disconnected. I also get disconnected when I ask about paying off my loan ( after being told it is possible ). I am getting increasingly more afraid that this was a scam. I also tried sending an email and the reply just said to call in .... which does not work.
Consumer complaint received 2024-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (NY)

On receiving my form 1098 for year XXXX I noticed the total interest paid went up to {$6300.00} is comparison to the previous year. I always make additional to principal which the mortgagor said will be applied to principal as requested. For XXXX total interest paid was {$6100.00}. Please note that the company in question Rushmore Servicing recently purchase my loan from Rushmore Loan Management Services.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

I am writing to file a formal complaint regarding the unauthorized and unethical handling of my personal information by various credit reporting agencies. This includes the improper transmission of sensitive data, such as my Social Security Number, date of birth, and other restricted information, to non-affiliated third-party entities that are not official credit bureaus recognized by the Consumer Financial Protection Bureau . 

This complaint is aggravated by several additional violations : Failure to Provide Opt-Out Information : I have never received the monthly options to opt out of data sharing, which is a requirement for ensuring consumer rights are respected. 
Lack of Express Written Consent : These agencies have never obtained my express written consent to collect or share my personal information, as mandated by law. 
Misrepresentation of Opt-Out Rights : I was incorrectly informed that I was not allowed to opt out of their services, which constitutes fraudulent misrepresentation. 
Illegal Profit from Personal Data : My personal information has been transmitted illegally to third parties for the profit of these agencies, from which I have seen no benefit. This action also constitutes a violation of the Privacy Act of 1974, which protects against unauthorized disclosure of personal information. 
These actions not only breach the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6802, but also expose a severe disregard for my rights and safety, potentially leading to identity theft and financial fraud. The behavior of these agencies highlights a systemic failure to uphold the privacy and integrity of consumer data. 

I even have multiple responses for Sync stating " they follow all applicable laws '' but transmitted my XXXX XXXX, and Transaction data to unaffiliated third parties and then attempted to rationalize it with the following repsonse : " Credit Bureau Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be shown in your credit report. '' IT IS ILLEGAL TO TRANSMIT PAYMENT OR ACCOUNT INFORMATION. 

I urgently request that the Consumer Financial Protection Bureau initiate a comprehensive investigation into these flagrant violations and enforce appropriate penalties to prevent further misconduct as well as refer these bad actors to the XXXX XXXX  XXXX for investigation into fraudulent business practices. I will personally be filing a complaint with the NC attorney general. It is imperative that rigorous actions are taken to ensure compliance with all relevant statutes and to safeguard consumer rights. 

I look forward to your prompt response and resolution of this grave matter. Please contact me at the details provided above if more information or documentation is required.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OR)

After not using this Amazon /Synchrony credit card for years ( 3-4 years ), I all of a sudden got charged {$13.00} for the XXXX billing statement. I called them and told them that I have not used this card and this is obviously a fraudulent transaction. The representative said this was a fraudulent transaction and somebody was able to access my account, and that she will credit the XXXX but I told her that I wanted to close the account. She referred me to the Supervisor and I thought that this was taken care of. I was surprised that I got another billing statement with {$29.00} balance including late payment. Obviously they did not resolve the issue. They closed the account for purchase but did not completely close it. Now I m afraid that somebody can hack or access my account and this credit card company does not seem to care
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.
Consumer complaint received 2017-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GVA Holdings, LLC (FL)

XXXX XXXXXXXX is a loan company that says I took out a loan in about XXXX. They said now it is in default and out for collection. Since XXXX I've NEVER ONCE heard of t his debt. I asked them for a copy of my signature to verify it is mine but they don't respond. On XX/XX/XXXX I asked them for my address on the loan to verify I lived there. They said they couldn't give me that for " Security Reasons. '' They did give me access to my account data to verify it is mine and when I entered their key, it came back as " invalid. '' In another email on the XXXX it came back " Blocked. '' I looked at their website and it has a big warning from XXXX XXXX XXXX XXXX On XX/XX/XXXX I wrote the Office of the Attorney General in Montana. On XX/XX/XXXX I received a call from the Office of the Attorney General. They view this as a scam and told me not to send any info or money. I haven't. They then gave me your number to report them. The company is called Target cash Now. Their address is XXXX XXXX XXXX, XXXX, Montana. Thank you..
Consumer complaint received 2020-05-08
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)

This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.
Consumer complaint received 2017-08-09
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 (NC)

Wells Fargo claims I owe an amount of {$7900.00} when in fact they sold the vehicle for much more and have already been paid for this vehicle. I would like to be provided validation or contract from this company. They have sold this debt to another company who are now getting paid as well. I would like this account moved permanently from my credit reports.
Consumer complaint received 2017-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Under the new law effective XXXX XXXX, 2017 any public record data must include name, address and SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This account was paid in full and I have the canceled payment information to prove it. This company has been contacted countless times and refuse to provide any information on my case. The three credit bureaus refuse to remove this account and also refuse to ask for a method of verification.
Consumer complaint received 2022-10-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TN)

The company failed to comply with XXXX benefits during XXXX XXXX and continued to increase my interest rate up to 10 % while on XXXX XXXX for the XXXX XXXX from XX/XX/XXXX until XX/XX/2022. I have submitted appropriate documentation and requested a refund for the substantial difference but have not received an adequate response from loan servicer FirstMark Services.
Consumer complaint received 2017-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AE)

I requested an override to my XXXX XXXX payment so that I pay the correct amount and have it count toward the Public Service Loan Forgiveness ( PSLF ). In response to my separate Consumer Finance Protection Bureau ( CFPB ) complaint number XXXX, FedLoan Servicing responded that " Because an override was not requested until XXXX XXXX, XXXX, and no payment was made, we are unable to perform an override for XXXX XXXX. '' This is a wholly unsatisfactory response. I did not pay my XXXX XXXX payment because FedLoan Servicing : 1 ) miscalculated my income-driven payment amounts due to their erroneous interpretation of my spouse 's income three times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX ; 2 ) I was advised by FedLoan Servicing customer service agents multiple times by phone that I should not pay my monthly payments until their error surrounding my payment amount was resolved ; and 3 ) I was specifically advised by FedLoan Servicing agents that I would be offered a payment override so I would not miss PSLF qualifying payments ( this was of critical importance to me ). 

The XXXX XXXX, XXXX response by FedLoan Servicing to my complaint did not respond to the arguments I put forth about why my XXXX XXXX payment should be overridden and thus is non-responsive. My request to override my XXXX and XXXX XXXX payments because of their miscalculation error was approved. The company did not provide any logical reason why they could override the XXXX and XXXX payments but not the XXXX XXXX payment. 

A FedLoan Servicing agent indicated during my last interaction with the company by phone on XXXX XXXX, XXXX that the decision was being reviewed. Three months later I still have not received a response to my concerns. 

I request that FedLoan Servicing respond to my complaints and override my XXXX XXXX payment so I can pay the correct payment amount and have it qualify for the PSLF. 

I have attached the text of my original complaint and the responses I have received to date from FedLoan Servicing. 

Thanks for your attention to this complaint.
Consumer complaint received 2023-01-30
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. (KS)

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2023-01-30
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. (KS)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2018-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (KY)

I opened an account with Chase. The website generated a form with the routing and account number. I entered these numbers into my employer 's online form to set up direct deposit. I never got my paycheck. I called Chase twice and was told the routing number was wrong. The routing number I was given when I opened the account was XXXX. This is a Chase routing number, but the people on the phone said I should have used a different routing number than the one generated on the form. They also said my employer put my name as an asterisk on the direct deposit form. When I called today, they said they would not give me my paycheck because the routing number was wrong.
Consumer complaint received 2020-09-22
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TN)

I applied for a Home Loan with Wells Fargo on XX/XX/2020. I was contacted the following day by the home mortgage consultant. I had already been pre-approved by Wells Fargo for {$400000.00}. I found a home for {$160000.00} that I decided to make an offer on and started the purchasing process. 

After communicating with the home mortgage consultant through XX/XX/2020 I was then handed off to a loan mortgage processor who began requesting my financial information which I provided. on XX/XX/XXXX, I was told the underwriter was reviewing my file. 

I requested status updates throughout this process and did not receive a response until XX/XX/2020 at which point I was told by the consultant that himself and the processor were working to get the loan approved and closed. 

I was again left without any updates until XX/XX/2020 at which time I was told they " would be in touch ''. I was sent an email about getting a " Rate Lock '' for my loan on XX/XX/2020. 

At no point during this entire process was I informed that my current employment was " insufficient '' for my loan application. I am a veteran who also receives VA Compensation. From my understanding this is also supposed to be considered as regular income. 

I work XXXX  currently for the US Military and according the Wells Fargo this is not a " reliable source of income ''. I do not see how this type of employment is any different than any other employment in an " at will '' state. 

We were set to close on this property XX/XX/2020. We had to get an extension on the purchase agreement because of Wells Fargo not responding to emails or calls about the status of the loan. 

On XX/XX/2020 I was told my loan was denied. The only reason being " employment income is temporary or not regular ''. I have guaranteed VA Compensation and my employment is not any more temporary than anyone else that is employed in an " at will '' state.
Consumer complaint received 2017-08-09
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear CFPB, XXXX / XXXX XXXX has been reporting a charge off on my credit report for years. I have tried countless times to call XXXX and have been unsuccessful.
The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security.
I asked XXXX to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This XXXX account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim.
Would you please assist me in getting this charge off removed from my credit report immediately? XXXX has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me!
Thank you in advance,
Consumer complaint received 2023-01-30
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. (NY)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Experian on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX