davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC (MS)

I got a small loan from money messiah it was less than a {$1000.00} over the course of the loan the lender got over {$2500.00} directly taken out of my checking account. I request that this lender be investigated due the constant harassment of clients and sending customers to collection agencies when they have collected more than 2000 % of what they have already lend to the customer. The company is engaging in predatory lending habits to the customer. I request that XXXX XXXX be investigated due to the lending terms are predatory to anyone and also any collection agency that it sends to the collection agency to ruin a customer when they have received more than 2000 % percent back in payment. They have engaged in constantly debiting an account without the customers consent and refuse to return the customers money back as they have been informed on more than 50 occasions. I now have a company by the name of Midwest Fiedlity Services that is now apart of this predatory lending institution system trying to ruin customers who have paid more than 2000 % percent back to the lender. I am requesting immediate investigation into Midwest Fidelity Services and also XXXX  XXXX for predatory lending and abuse of the Fair Credit Lending Act.
Consumer complaint received 2015-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (NJ)

I opened a checking account at Wells Fargo with a promotion code that offered a {$100.00} credit if you made XXXX debit and/or payments in 60 days, or set up a direct deposit. I made XXXX debit card purchases and XXXX payments in 60 days. When I called Wells Fargo one month ago they assured me that I met the qualifications and that I should expect a credit in about 8 weeks. 8 weeks later and I have not received a credit. Today I went into a branch and was told that I did not meet the requirements for the promotion. I believe this to be unfair practice and completely misleading. I also do n't understand how XXXX different employees in customer can be so ill informed about the policies and procedure of a simply promotion.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Respected CFPB, My ONLY LIFE SAVIOR! 

I AM VICTIM OF ID THEFT AND CREDIT DESCRMINATION AND HAD FTC REFRENCE AND AFFIDAVIT, AFFIDAVIT OF IDTHEFT WITH LAW ENFORCEMENT REPORT ANS WITNESS WITH NOTARY. ALL THE PROOF OF HOW WELLS FARGO IS DISCRIMINATED ME TO JUST SAVE THEM AND THEIR BRANCH MANGERS. SO, XXXX they have contract with and many more loans which I found troubling and stood up to it and now they have blocked all of my checking accounts and a Credit card whixh is direct violation of 609e, FCRA and FTC. 

There was ATM MONEY JAM, I DEPOSITED XXXX ONLY GAVE ME THE RECEIPT I NEVER SAW IN MY LIFE HAVING DIFFERENT DATES AND DIFFERENT AMOUNTS. THEN, I CALLED BRANCH MANGER WHO IS ALSO MY BANKER AND ENCOURAGED ME TO OPEN ACCOUNTS WITH HIM INCLUDING BUSSINESS. I HAVE A CREDIT SCORE OF XXXX PLUS AND I GOT XXXX BUREAUS MEMBERSHIP ALONG WITH XXXX XXXX XXXX INSURANCE FOR TAKING CRADITORS TO JUSTICE IF THEY I 'D THEFT ME OR TRY TO DESCRMINATION AGAINST AN HONORABLE CITIZEN. I CALLED VICE PRESIDENT XXXX XXXX XXXX AT XXXX BRANCH AND HE GAVE ME NUMBER TO THR ATM OPERATIONS AND SAID IT HAD HAPPENED WITH THIS MACHINE LIKE 3 TIMES ALREADY. DO N'T WORRY JUST CALL THEM AND HAVE CLAIM. I CALLED AND XXXX XXXX AT ATM OPERATIONS GOT ME A CLAIMS AND SAID THE HOLD WILL NOT PUT ON AND WE OWE YOU THR MONEY SO PLEASE DO N'T DEPOSIT ANY NEGATIVE AMOUNT. NOW THEY ALL STARTED HANGING UP ON ME AND I HAVE LOGGED OF IT AND WITNESSES WHO ARE OTHER BRANCH VP like XXXX at XXXX branch. 
Then the XXXX alerted me wells Fargo has been trying to close your credit card but as you have XXXX they do n't have any reason to do so and they have your card blocked. I then was told when I directly called executive loss prevention and executive wells Fargo office and thry said you are clear we want to know if jam happened so have your branch manger call us and then XXXX XXXX said no they ca n't call them because he never has their number. I was like you are thr one opened me accounts and stile my money being the weeks Fargo representative plz allow me to deposit because all the payments are bouncing and I am going down as being already viticm of I 'd theft they said they do n't care about FTC or neve heard of the XXXX right or who is CFPB. 

Now it 's has been 2 weeks I am jaddicapped inhave all thr cards and money but thry are not lighting thr hold. They are telling me a risk lie! As thr branch manger said that you have caught their lies and now they are scree and want to just kick you out and report yiu to XXXX which again violations alot of them! So, approving me of credit card through XXXX whom I am member and gave me a limit of XXXX how I am a risk and I ran the risk and they all come out golden 100 % clean. So, just telling me on my face in front ppl I am risk is a slap to my religion and culture and ethnicity.
Consumer complaint received 2019-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (ND)

I strongly suspect that my loan servicer has sold my private information to scammers as I have received numerous text messages and calls over the last few weeks regarding illegitimate offers to " forgive my student loans ''. I never signed any document agreeing to allow my servicer to share or sell my information. This is a clear breach of my privacy as their client and it should not have happened in the first place. These scam organizations should not have access to my phone number, the name of my loan servicer, nor should they be privy to the fact that I have a student loan at all. A sampling of some of the text messages I have received are included in the attachments.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

I paid for a facility for my daughter with mental health care issues for 3 months and the last month the provider moved my daughter against her will to a low-level facility causing her extreme emotional trauma resulting in a XXXX. I paid {$5500.00} for the month and the provider paid {$2000.00} for the unauthorized house they moved my daughter to. I am asking to be refunded the last month. I DID NOT RECEIVE THE SERVICES I PAID FOR-
Consumer complaint received 2015-08-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CURO Intermediate Holdings (NV)

I did apply for a payday loan. When I asked for the repayment amount I was told it can only be determined after I accepted the loan. This occurred at rapid cash in XXXX XXXX Nevada. On XXXX XXXX and XXXX. The loan officer refused to give me proper information of the loan prior to me taking out the loan.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account- XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Ive been disputing accounts, incorrect personal information, and inquiries for over two years with Equifax. Equifax has responded " verified '' to these erroneous accounts that have accumulated on my CONSUMER report over the time. Also, during these times I've had a fraud alert on my account and still Equifax has " VERIFIED '' that the said debt is mine. 

Equifax has failed me as a CONSUMER by not only verifying erroneous accounts, they also VERIFIED THE INACCURACIES AS WELL. 

EQUIFAX HAS BEEN REPORTING THESE ACCOUNTS OUT OF COMPLIANCE WITH THERE OWN REGULATIONS! 

PLEASE SEE ATTACHED DOCUMENT! 

( I HAVE MY THUMB PRINT WITH THE LETTER ALONG WITH SUPPORTING DOCUMENTS AS PROOF OF ME BEING A REAL PERSON, NOT A COMPUTER, OR AGENCY ) NO EXCUSES!
Consumer complaint received 2021-09-01
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: Augusta Collection Agency, Inc. (SC)

I received a collection letter from Augusta Collection Agency regarding an alleged debt. I asked the company to validate the account ( i.e showing my signature on any kind of contract between myself and them ) and they sent back a letter stating that " services were performed at XXXX XXXX XXXX-you can obtain your signature there. '' Ok, fine I contacted XXXX XXXX XXXX and was told that the account was no longer in house and they could not help me. I sent a follow up letter to Augusta Collection Agency letting them know that XXXX XXXX XXXX told me to contact them because they ( XXXX XXXX ) no longer owned the account, it was sold to them. It's been several weeks now and no response for Augusta Collection Agency. I did what they told me to do which was contact XXXX XXXX XXXX and in turn XXXX XXXX XXXX told me that Augusta COllection has.own the file now. All I want is for them to provide me with a contract with my wet signature of remove these accounts from my credit reports.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo will not let you pay a mortgage off at any of it 's branches. You must call a number to get your payoff amount. Then you must ( " XXXX a check or wire the money to them " ) this is what I was told. I pushed back and they said If they took the interest out several days the payoff would change but I could mail the check. Now you mean to tell me they do n't have the ability to do this in branch. They accepted every other payment on my mortgage at the branch.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted Santander Consumer USA who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NJ)

Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report. 

My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report. 

Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (NJ)

I have had this ongoing issue for over a year now they have a tracking device on the vehicle and they keep shooting the battery to disable the car when I 'm driving it when I leave the house I do n't know if I 'm gon na get home. They even did this to me one time when I was at a red light, also on XXXX/XXXX/XXXX they were attempting to do it while I was on the highway. I have asked to be put on monthly payments instead of every 2 weeks because I only get my sons social security check but they wo n't do it they know my situation yet they continue to call me XXXX to 4 times a day even after I attempt to make payments I was called today and a message was left your running out of time but I just paid 2 payments a week ago I 'm behind because they keep giving me extensions that they already know I ca n't do. This company is affiliated with XXXX which is my previous employer that I have a year long hair-raising workers comp case through which should be over soon and they know this they just want to further ruin my credit and my daughter who is my cosigner she also just went back to work from being out and have her own bills and ca n't pay mine. We are doing the best we can it is at the end and I do n't understand why they ca n't work with me. It 's bad enough I have other issues to deal with not having an income, health issues and XXXX and then I have to worry about them toying with the car calling me all day everyday and attempting to stall the car while I 'm driving they just do n't care they have no value for humanity If your office could assist in just trying to bring some justice to this situation I would greatly appreciate I know it all sounds dramatic and made up but trust with all that I 've been through I wish it was. They are going say we 'll we have been working with her yes to their advantage not mine the battery is so bad from them XXXX it everyday that acid builds up around it and we have to clean it or it wo n't start I have n't invested in a new one because they are just gon na ruin it anyway. This company is bridgecrest and my account number is XXXX and the vehicle is XXXX jeep liberty. They are also probably gon na deny XXXX the vehicle but I was told this when we purchased it and it is also in the contract that they could do this if payments are not received yet to the customer they say we are here to help but they did n't say they would harass or even try to kill by attempting to disable a vehicle while I 'm driving it and not allow you to pay monthly when they know your situation what does it look like to you? I have never had an experience with an auto loan like this I have 2 more months and my case should be ending hopefully I get enough money so that I can pay off the car and be done with them for good if they do n't try to take it first! Thank for your attention to this matter XXXX XXXX
Consumer complaint received 2015-07-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: The CMI Group, Inc. (FL)

i never received a call, email or letter in the mail stating that i owed anything. I 'm an amateur in understanding credit and just recently looked at my credit report for the first time and do n't understant anything. But i saw a debt of collection on my credit report. so my question is, how do you pay off a debt and how would i know if its the only debt i need to pay?
Consumer complaint received 2016-09-13
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (CA)

Freedom Mortgage has not given the title company my loan payoff amount so I can close on the home and payoff my home, which is in foreclosure. I am a XXXX and currently have a VA loan through Freedom Mortgage. XXXX XXXX has been calling/faxing Freedom Mortgage for an updated payoff amount since XXXX XXXX. It is not XXXX XXXX and the loan documents for the buyer are going to expire and each time I call Freedom Mortgage tells me they did n't receive the demand letter/they can not give us the demand letter or excuse after excuse. I am in danger of losing all my equity in my home and having a foreclosed home because Freedom Mortgage refuses to give XXXX XXXX the payoff amount. Freedom Mortgage has denied me a supervisor and they will not provide any other way to obtain this payoff.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (GA)

Well it started in XXXX of XXXX, my chime credit card ( secured card ) or so I thought. XXXX charged {$9800.00}. I immediately called Chime and reported the charge and while I was on the phone with the rep. Someone tried to charge my card another {$450.00}. I told the agent this while I was on the phone. She canceled my card and ordered me a new oneClaim gets denied by Chime because they said no errors where found even tho I wasnt in possession of my card at the time of charges. Fast forward to XX/XX/XXXX, I wake up to my checking account being negative {$590.00} immediately report the charges to chime and reported my card stolen not in possession of card. Claim gets denied. So even tho I reported the charges as soon as they happened why is it my fault that someone stole my cards and used them and now Im being punished by chime bank because I was the victim of identity theft. I just want the charges removed from my accounts!!!
Consumer complaint received 2017-01-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

CitiGold Checking Bait and Switch I signed up for a Citigold Checking account as part of a promotion for XXXX XXXX AAdvantage miles after terms and conditions of promo were met. 
Faxed in their form to open the account and fund it with my Citi AAdvantage Credit card. The funding never happened, so I funded it some other way. Confirmed via phone and Secure Message that I had met the terms and conditions of the promo and separately was eligible for the bonus. Well, after I did all that ( and paid the {$30.00} per month for a checking account ) they said I was never eligible for the bonus and would n't even address the original funding problem. I have gone back and forth with them multiple times to pull my calls from their call recordings for proof of the eligibility as well as offered to submit proof of the funding issue, but have gotten nowhere. Front line reps on the phone tell me to call XXXX, and " submit '' a ticket in which case I get a letter 3-5 days later. I can never talk directly to the group that processes it and ca n't submit proof.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Informative Research (CA)

INFORMATIVE RESEARCH Hello, This inquiry is on my credit report that was pulled without my knowledge for a morgagte with XXXX XXXX I would like this removed as well as I did not receive a loan from this company and do NOT have any morgagte loan at all so I did not receive anything from this company and they are on my credit report and I have no business with them.
Consumer complaint received 2015-07-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (TX)

My son, XXXX XXXX XXXX attended XXXX XXXX XXXX and received his degree in XXXX. I co signed on the loans with him. He paid on his loan with Wells Fargo without missing a payment when he had his first job. Then he moved to XXXX XXXX and was in the process of finding work. We took a forebearance for about 5 months. As soon as he got back on track he began paying his loan again. We requested that I be removed from his student loan obligation, and I was told that since he took the forebearance, we no longer qualify for me to be removed. He has been making payments for over a year now in good standing and they still will not remove me as a cosigner. Please let me know what information you require to research. 
Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (MN)

Experian has refused to update my personal information correctly several times. I have sent numerous letters asking them to correct my information. They just keep saying verified. Verified with who??? Here is my Identification with my proper address. I told them I never lived at the address they are reporting. They said the creditors are reporting this. The creditors " reporting '' this address is the account opened by the identity thief. Attached is my proper Identification and address. I would like my correct address displayed properly on this credit report and not this fraudulent address.
Consumer complaint received 2016-07-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (TX)

I agreed to co-sign my grand-daughter 's college loan, Sallie Mae, 2 years ago. They now have us paying for a loan that was to be deferred and I owe more than she does. We are XXXX and worried about this situation. Can you help us?
Consumer complaint received 2018-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX and XXXX XXXX XXXX were both paid off in full but both are still being reported as being late and in collection, charge off status.