davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (TX)

I have been a cardholder of Elan 's XXXX branded card for several years. I was hours late ( as in close to midnight on the due date, meaning the payment would credit the next day ) making my monthly payment. I paid over the minimum and immediately messaged customer service, apologized for my oversight, and requested to have the fee reversed. 

I received a note back from customer service that they had reviewed my account, declined the fee reversal, and they recommended I enroll in autopay to avoid this happening again. 

It is incredibly demeaning and condescending to copy-and-paste a paragraph about autopay to a customer. I had never been late making a payment in years with the card. I messaged back and said " If you do not remove this fee, I will close my account. '' Without my consent, my account was closed! While reviewing the details, I noticed that Elan had raised my interest rate without informing me, maintained the late fee, and by closing my account, prevented me from accruing or redeeming XXXX rewards points ( Elan requires their redemption in XXXX increments ).
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

It 's a XXXX XXXX charge off from XXXX, two accounts deragortory status They where charged off by XXXX XXXX and today on equifax they show as a current charge off XXXX. This was changed when I asked to be r moved XXXX continues to report as the last and this monthXX/XX/XXXXas a charge off date. Every one at equifax is XXXX or XXXX call centers. 
When they see that XXXX was the charge off date and do n't know what to do, I have disputed this and XXXX comes right back with fraudulent statements Please remove I agree it 's a charge off from XXXX soon to drop on credit reportXX/XX/XXXX. I need this correcte d no one will
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

I live in south florida which has been declared a federal disaster area. when i called wells fargo to advise them that as per federal i am entitled to a 3 month deferment on my mortgage payment with my mortgage being extended for an additional 3 months beyond my XXXX maturity date. XXXX id # XXXX at there Iowa center gave me a bunch of bs about having to reach out to the investors on my HARP refinanced loan. i then spoke with her supervisor XXXX XXXX in Iowa who at least was concerned about this. she then transferred me to XXXX XXXX in escalations in Iowa who said the only thing she could do was open a case and she did not even want to do that while i was on the phone. She said i should trust them to get back with me. You might want to note that this is well fargo the company who was illegally charging yearly flood assessments, force purchasing flood insurance supplemental flood policies from companies they owned when they were escrowing and paying current flood policies, they also open 100 's of thousands of unauthorized accounts She had no information other than 24-48 for some one to perhaps call me back.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Chase bank decided to close my accounts in lieu of fixing any of the several problems i 've brought to their attention. I am given to understand there is also an issue with me not having enough money to have business with Chase, but I do n't have any documents to support that. 

The beginning of this issue was when I discovered my paycheck had not been deposited into my account, even though my payroll system showed the electronic check had been sent. 
The next issue was that Chase refused to allow payment withdrawal of my credit card payment with a separate company, which caused an issue of potential account closure there. 

In the latest part of this saga, Chase advised me that no deposits or withdrawals would be allowed, but that was clearly a lie as they did later allow my paycheck to be deposited into the account, but they have refused to allow me access to those funds. I have asked them many times to please advise when and how they plan to return my stolen funds, but they have refused to discuss this matter with me at all.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (CT)

Received email from National Recovery Agency about a utility bill that was never mine. It listed an address that I never lived at for a debt that was never mine. 

Debt date on bill : XX/XX/XXXX Date of email : XX/XX/XXXX Amount : {$280.00} I have taken no action yet ; National Recovery Agency claims to be a collection agency.
Consumer complaint received 2017-09-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Premia Mortgage, LLC (NY)

On XXXX XXXX, I made an offer on a home and contacted Premia Relocation Mortgage, a lender participating in my company 's relocation program, to lock in a rate and begin the loan processing. The broker began to contact me with requests for documents and I provided tax returns, IRS transcripts, proof of all income and other documents. Premia ran my three credit reports two different times - once to provide the prequalification in XXXX then again during the loan process in XXXX. Premia began to dissect my tax returns and asking for explanations of deductions and notifying they me they decided to reduce my income based on deductions in my tax returns. Then, Premia asked me about prior addresses and wanted explanations of why I did n't live there anymore. 
From credit reporting, I had an account in dispute - the creditor placed a note for credit bureaus explaining a late payment made by the accountant at a firm who handles some of my business in an effort to offset any penalty for consumer behavior. Premia wanted this removed from my reports so that my credit score would drop. Premia then ran another credit report ( 3 total within a 30 day period ). Finally, this week Premia sent me a new disclosure agreement electronically. The new disclosure established a higher interest rate and new terms. We previously had a rate lock in place and a disclosure along with all financial statements, records, reports, etc. Premia removed all records of the prior contract from the shared library of a website used to exchange documents.
I have purchased and sold numerous properties ( 6 ) and currently have two active mortgages from a rental property I own and my prior home that I am selling, I am not unfamiliar with the loan process. However, I am appalled by this behavior. I am a single professional woman, my children are adults and I was recently promoted to an XXXX XXXX for which I relocated.
In summary, Premia is in breach of a contract both implied and stated regarding a rate lock, performed an unauthorized background check, manipulated the credit reporting bureaus in an effort to alter scoring and dissuade my pursuit of other lenders, and dismissed documentation ( XXXX, pay stubs ) then requested credit card statements. The most recent request was for me to insist that two of my banks change the monthly statements. This type of behavior is beyond unprofessional and skirts legality. It 's certainly not within the guidelines of the fair credit reporting or other policies.
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

equifax confirmed that my social security number was subject to their most recent data breach. I registered with their website several days ago and have not received the emailed response as promised. I called their support line and was disconnected when told I would be transferred and then placed on hold several times for a total of 20 minutes and advised that I needed to give them more time to send me an email. It has been 72 hours since they asked me to register in their website and this is unacceptable.
Consumer complaint received 2017-09-12
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (VA)

Santander Finance out of XXXX, Va. lased a vehicle under my wife 's maiden name to a XXXX XXXX in XXXX, sold the vehicle and now is trying to sue my wife for the amount loaned out for the vehicle.After investigating, findings concluded that the vehicle was illegally obtained by XXXX XXXX. Santander Finance company sold a XXXX XXXX XXXX to a person that had/has no drivers license nor job at the time of the sale of the vehicle.When confronted about the vehicle and it 's whereabouts, the legal firm of XXXX XXXX XXXX located in XXXX, Va.representing this finance company stated : the vehicle has been sold and the funds were directed to Santander finance company.We are now in lue of trying to mitigate this debt through the courts.
Consumer complaint received 2021-11-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

My name is XXXX XXXX and I am writing in regards to the Public Service Loan Forgiveness program. 
I have been a XXXX XXXX XXXX XXXX teacher for 20 years. I have been inconsistent with payments because of financial difficulties, however have paid what I can through the years. I began paying loans in XXXX and those payments are not being used as qualifying payments, only payments made after XXXX. I have applying 5 times and been denied each time, even though current rules say that the payment type is being waived. Recent media has stated that work credit will be given in place of payment history. I have also accrued almost XXXX dollars in interest throughout the life of my loans. Please help! 
XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NE)

I received a letter from XXXX XXXX, dated XXXX/XXXX/XXXX. It was a settlement offer stating I had a balance of XXXX due. However, they would accept 45 %, or {$230.00}. 

The letter advised I had 60 days to accept the offer. 

On XXXX XXXX, XXXX, I received notice from the credit bureaus that the collection account had been added to my credit report. 

On XXXX XXXX, XXXX at XXXX, I called Convergent Outsourcing and spoke to a gentleman named XXXX XXXX XXXX I explained the situation, asked him to removed the collection account from my credit reports as the settlement letter has not expired and he refused, asking me to state which law says he must do so.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. ()

Hi, I have received an email from Equifax stating that my personal information was hacked. this is the comments " XXXX XXXX Americans have had their personal and financial information compromised by hackers in a data breach at Equifax, XXXX of the country 's largest credit reporting bureaus " ..They provided a link where you can check if you was affected, which I did. 
XXXX : XXXX? XXXX % XXXX % XXXX % XXXX % XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I did went to the website or link and entered the information requested : Last name and last XXXX digit of my SS # and after that said '' Thank You. Based on the information provided, we believe that your personal information may have been impacted by this incident.Click the button below to continue your enrollment in TrustedID XXXX. 
Enroll For more information visit the XXXX page. " Which I did. However, I am really worry that this data breach can be worst than I expected. Also, I do not for how long they will provide the TrustedID XXXX assistance which is not clear ... and I doubt it that they will provide the service or insurance for more than a year. Thanks and regards
Consumer complaint received 2021-09-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (WI)

Genesis card services has called me from so many different numbers, they will call repeatedly up to 11 times PER DAY, as well as calling BEFORE XXXX, or AFTER XXXX. Some of the numbers they have used to call me include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and those are all phone numbers Genesis Card Services has repeatedly called me from just in the last 4 weeks. They will also call back to back, sometimes even 3 times in a row, they have filled my voicemail several times with long messages that are silent and no one is talking, I absolutely can't stand being harassed like this anymore. Please help me and make them stop.
Consumer complaint received 2018-03-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (TX)

OnXX/XX/XXXX, I call American Education Services to talk about lowering my bill or getting a better interest rate. I spoke with someone on the phone stating that because my Loans were current that I had no options, and that I needed to let them go delinquent to get any type of assistance. The following month I called, again I was told, the longer you let it go, the better options you have. I kept letting it go, to see if I could get any help and each time I have been rejected. I even wrote an email to the lender through the company and hear nothing back. I now have a total of {$4400.00} PAST DUE, and spent an hour again on the phone with the company and she again told me there were no options and the past due balance will remain. She advised that I speak with a student loan consolidation company. In total I borrowed {$48000.00} dollars for college. Since 2005 I have been paying my loans on time and have only paid {$15000.00} in the principle balance with {$22000.00} going towards interest! This is on a {$48000.00} LOAN! I have been left with no options but to let this go delinquent because this company refuses to work with me. I really NEED help, I need to get this interest lowered, and get my loans in current status with better assistance. PLEASE help, the only reason I stopped paying was due to XXXX XXXX and having to pay medical bills so that I could keep seeing the doctor. This is urgent.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Equifax had a data breach that lasted from midXXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

On top of that, allegedly Equifax executives sold their stock in the company before the information became public which allowed them to cash out before the bad news came out publicly ( possible insider trading? ).
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX and XX/XX/2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX Account number XXXX. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I HAVE SUBMITTED DISPUTES TO EQUIFAX AND XXXX ON LINE THAT THERE IS ERRORS REGARDING MY NAME AND ADDRESSES. THE INFORMATION HAVE NOT BEEN REMOVED FROM MY CREDIT FILES. 

WRONG NAME - XXXX XXXX CORRECT NAME - XXXX XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX, TN XXXX WRONG ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS CORRECT MAILING ADDRESS - XXXX XXXX XXXX XXXX, XXXX XXXX, MS XXXX PHYSICAL ADDRESS - XXXX XXXX XXXX, XXXX XXXX, MS XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am applying for a cash back business credit card with XXXX. I had a block on my credit & XXXX could not execute issuing a card to me. When I contacted TransUnion to lift the block, they sent a report to me. The only Adverse Account on the report was XXXX reported a balance of {$78.00} In Collection, updated XXXX/XXXX/XXXX. I called XXXX. The Billing Dept had no record of this. How do I get this removed from my report? I have not ever received notification from XXXX of this issue.
Consumer complaint received 2017-09-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

On Tuesday, XXXX/XXXX/XXXX at XXXX p.m. central standard time, I called Equifax at XXXX XXXX the number on their website XXXX to request a credit freeze. The lady that answered gave me another phone number to call ( XXXX ). She had said she could not help me, and that this new number was customer service dedicated to credit freezes. When I called this second number, it was nothing but a recording trying to sell services such as cable t.v., internet, etc. 

At XXXX p.m. central standard time, I called the original number again ( XXXX ). I told the gentleman that answered the phone what had happened, and asked if he could help me. He proceeded to read directly from the web page about what my options were. I told him that I had already read and been through those options, and that now I wanted to freeze my account. He ignored me several times as I was telling him that I had already been through those options, and he kept on reading as if I was not saying anything. He ended the call with a scripted line saying, " ok, you do n't have any questions, thank you. ''
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Consultants of California (CA)

COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX COLLECTION CONSULTANTS OF CAL XXXX XXXX Attn Consumer Fraud Dept. 

I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, : Furthermore Collection Consultants has sent me a bill with a different address than my own from XXXX. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX XXXX please see attached docs ) I have always been going to XXXX XXXX NOT XXXX
Consumer complaint received 2024-02-18
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. (WA)

Last night on XX/XX/XXXX there's notified by XXXX of my banks and by XXXX XXXX that a hard inquiry had been done by a company named XXXX XXXX better known as XXXX on my TransUnion credit report. I have been monitoring my credit like a hawk over the last XXXX months doing everything I can to salvage and repair my credit from identity theft, fraud, and various other issues. I know by law if I dispute something I can have it removed through TransUnion yet they chose not to and they said they could not do it which I know is a lie. I first called the credit card company XXXX XXXX and ask them to remove it and they told me they wouldn't then I asked for my application I asked to have the application that was done to be returned and retracted and they said no. Under 15 United States code 1581 B permissible purposes if I have not given express written permission to transunion to furnish private data on my credit report that is considered fraud and I must enforce it and I am right now. Under 15 United States code 1681E compliance procedures I know by law that they have to either adjust or remove the inaccury on my credit and they have refused to do it. I just got off the phone with Transunion I was given a confirmation number of XXXX of the phone call that I made asking them to remove it because I did not authorize it. They refused and that is also a violation to not even do investigation when I ask for it. 15 United States code 1681N stays at any inaccurate information on my credit report is a violation and it's liable and a penalty of up to {$1000.00} this is the third time they have allowed this company to put a hard inquiry on my report I've had it removed XXXX other times and here we go again. To remedy the situation I want this removed I want a copy of my adjusted credit report stating that this has been removed and I would like to be compensated for my personal injuries because of this act. I do not appreciate these credit reporting agencies being arrogant and not upholding the law That's also willful negligence right there which needs to be dealt with these places can not keep breaking the law and getting away with it they need to be upheld to a higher standard since they're holding such valuable information on consumers and accept nothing less than the remedies I just stated, removal and updated credit report and compensation I will not accept anything less than that.