davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I spoke to Navient about my income driven repayment plan. I was told it expired in XX/XX/2018. I had just submitted an application in XX/XX/2018 and was approved. I could not understand why it was going to expire so soon. On Navients site it said to reapply on studentloans.gov. After logging on to www.studentloans.gov and finding the place where you apply for recertification for the plan, a notice was shown that i wasnt due to recertify until XX/XX/2018. I called Navient and the person i spoke to was a lady who was assigned number XXXX. She said my Income Driven Plan expired and i had to reapply. Today is XX/XX/2018. So i called studentloans.gov and i was told that Navient should have got my application that i completed in XX/XX/XXXX and that my plan was not expired. I once again called Navient and operator XXXX answered and told me that the info on Studentloans.gov page did not apply to my loan. This sounded utterly rediculous why would there be a reference to my loan to Navient on Studentloans.gov website if this did not apply to my loan. I have no other loans to Navient. I was told the info stated on studentloans.gov about me not having to reapply until XX/XX/2018 was a disclaimer. I dont know whats going on at Navient but i dont believe they are there to help me. They dont seem to know whats going on..or do they?
Consumer complaint received 2024-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

Credit Collection Services say I owe XXXXI dont have a contract with this company.Or XXXX I had another insurance company when this debt is alleged.I dont have any contract with XXXX agreeing to pay XXXXThis is not my debt.
Consumer complaint received 2024-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OK)

My loan was transferred from servicer XXXX to servicer Edfinancial in XXXX XXXX XXXX. At the time of the transfer, my account was in a paid ahead status through XX/XX/XXXX as a result of a large lump sum payment processed in XX/XX/XXXXXXXX XXXX The remaining billing periods with XXXX ( XXXXXXXX XXXX ) all reflected statements with XXXX balance and next payment due date of XX/XX/XXXX. When my loan transferred to Edfinancial, Edfinancial reverses these payments, then applied the lump sum payment from XX/XX/XXXXXXXX XXXX  to the outstanding loan balance instead of applying it towards future monthly bills. I became aware of this immediately upon creating an account with Edfinancial once the servicer transfer was complete and immediately contacted them by email, account messaging, and phone to correct the issue. I was told multiple times that there was nothing they could do about it. Finally someone told me they could initiate an investigation into my account details in order to correct the error in payment application. That was in XX/XX/XXXXXXXX XXXX Since then I have uploaded all necessary supporting documents and they have done nothing to resolve the issue. In the meantime, my account is now showing past due since XXXX with a large " past due '' balance. The correct, original date of my next due payment is approaching and I have no way of paying it appropriately, as my account is carrying a past due balance. I requested that they place an administrative forbearance on my account given that the delay is entirely their responsibility and I am willing and able to pay the correct due amount on the correct due date, but they can not tell me what or when that is, nor record it properly in my account- they have refused. They are now refusing to process the account investigation and refusing to place an administrative forbearance on my account. I spoke with a representative today, XX/XX/XXXX, regarding the situation and she confirmed that she does see the uploaded documents showing my next payment due date as XXXX as well as all other supporting documents confirming that my account is not past due for any amount, but still refused to assist in any way, telling me I just have to wait for them to " process '' things with no estimate on when they might correct my account. In the meantime they refuse to provide any solution for the past due amount or continued accrual of past due balance and say the in order to pause payments on my account I will have to use my own forbearance allotment. They have offered no other solution and I have no options unless I pay for legal representation.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

I opened checking and savings accounts with Chase online on XX/XX/year>, deposited funds into and received an email confirmation that the accounts were opened. On XX/XX/year> I received notification from Chase that the opened accounts were restricted and I needed to call them. 

I did call. Nothing about clarifying anything relative to why they were restricting my account came into play. Rather I was verbally told my account would be closed and I was restricted from accessing chase.com. I called to request my funds and was told my account was under investigation and after the investigation, my funds would need to be requested by my current bank, XXXX XXXX to get my funds. 

I asked why am I being investigated and was given no response. I then vehemently requested that my deposit immediately be returned as not having access to my funds meant I am being denied my ownership of a provided asset when a contract was already annulled by one party in the contract. 

Basically, Chase indicates the following, " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon ''. After the call, I am not asked anything about fraud or what is expected of fraud. I feel this is a cop out and generic phrase to XXXX for discrimination. 

I was kept on hold for 1 hour and 30 minutes and finally spoke with an executive who provided the following case number : XXXX
Consumer complaint received 2023-02-28
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. (GA)

on XX/XX/2023 I submitted a request to Equifax to send me the method in which they claimed to verify several debts that Ive disputed with them. I included the company along with the information they are reporting via their respective reports on XXXX/XXXX/2023 they sent me a letter stating I need to give the account information which Ive alosent. At this point they are stalling.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America age discrimination on auto loan XX/XX/2020 loan amount {$26000.00}. 
Loan approved in XX/XX/2020. 
Loan denied XX/XX/2020 Credit score XXXX On time payments 500+ Semi retired never missed a car or mortgage payments Bank of America discrimination method is to discredit elders who pay bills on time. Bank makes more money on higher interest rate customers
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute the presence of fraudulent accounts on my credit report that have not been removed despite previous requests and confirmed identity theft documentation. It is my understanding that failure to comply with the law by removing these fraudulent accounts constitutes a violation of regulations governing credit reporting. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

ADVERSE ACTION NOTICE I, the consumer and natural person was denied credit by Wells Fargo when I applied for an XXXX XXXX  XXXX on XX/XX/2023. 

According to the Equal Credit Opportunity Act adverse action against the law codified in 15 USC 1691 and is pursuant to civil liability under 15 USC 1692 k.

Due to the response, I received from Wells Fargo you are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received.

Wells Fargo is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002 because I, the consumer, made an appointment in good faith, but credit was not issued.

Furthermore, because my social security number which according to 15 USC 1602i is defined as a credit card was used and I received NO BENEFIT. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Wells Fargo. 

If Wells Fargo fails to make any reasonable procedures to resolve and compensate me for the use of my credit card I will INDEED make Wells Fargo criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.
Consumer complaint received 2022-09-17
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-11-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I went to emergency room out of town in XXXX XXXX XXXX XX/XX/2021 to XXXXXXXX XXXX my insurance XXXX XXXX XXXX XXXX will pay the claim and have blue cross contacted them re this. But they turned my account over for collections to Wakefield and associates of tn and they are reporting on my credit report that I owe XXXX dollars so Wakefield and associates don't care I don't owe XXXX when they file the claim it may be like XXXX please have this removed from my credit report
Consumer complaint received 2018-04-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (OK)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX ( CCS ) at XXXX to inquire about a debt I owed. I spoke with XXXX who informed me of the debt and the balance of {$250.00}. I made a payment arrangement to process a {$50.00} payment on that day, followed by the remaining balance to pay on XX/XX/XXXX. XXXX confirmed this transaction and sent me a receipt for the {$50.00} payment. I have attached this receipt below. On Saturday XX/XX/XXXX I checked my bank account and saw that they in fact charged me the {$200.00} instead of the {$50.00}. I contacted CCS at XXXX at XXXX and spoke to XXXX . I informed him of the issue and he stated he would escalate to a supervisor to have it credited back in the amount of {$150.00}. He informed me it would take 12 business days to go back to the account. While I wasnt thrilled with this, it was an acceptable resolution. On XX/XX/XXXX at XXXX, I contacted CCS to see what the status was on the refund. XXXX placed me on a brief hold and then returned to tell me that they received approval to refund the {$150.00} and that refund check would be sent on or after XX/XX/XXXX. This is not acceptable. I now have bills I am unable to pay. She informed me that this was their policy. The policy being that the refunds take 30-45 days to send out. I again informed her this was not acceptable.
Consumer complaint received 2020-10-21
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 (FL)

Dear CFPB Headquarters.

American Express has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years.

American Express is reporting a Fraudulent in my name. 

I have disputed this multiples times with American Express. Three times through the CFPB.

Each time American Express 's staff said they would later reach out to myself for more information.

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the card from a XXXX XXXX XXXX. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of.

In addition, the CFPB has been allowing this to continue as I have read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further neglect from the CFPB concerning American Express 's abuse may result in us filing a case against the CFPB.
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Today, XX/XX/2018, I went in to check my account after an email sent to me saying my balance is at XXXX dollars. I was not sure why they would send this notice since I check my balances and they had a pending and posted transaction history for online banking which shows details of available balances vs. each transaction. When I had viewed my online history previously, check number XXXX for {$20.00} had already posted and cleared ; and had sufficient funds at the time of the transaction. Then later on I receive an email that check XXXX for {$20.00} had been returned and I was being charged {$35.00}. I also notice that the online banking system has now changed to have three section instead of two. The three sections are " Pending '', " Authorized '', and " Posted '' transactions which has been misleading and transaction history and posting dates have been manipulated -- therefore causing fees to customers as well as to whom customers write the checks too. I spoke to 4 individuals from Wells Fargo today which included supervisors and managers and they refuse to make corrections to this problem. I also have had to call in with approximately four other transaction related complaints within the last year. Attached is a picture of the account ledger as of me filing this complaint. Wells Fargo 's online banking system has no integrity and accuracy and is causing undue fees to its customers due to them not properly handling transactions.
Consumer complaint received 2018-07-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I am having trouble finding a job due to a school that no longer exists. XXXX XXXX has been closed for its high interest rate loans and poor academic practices and it is affecting me in my job search. Navient doesnt seem to care that the loan should be flexible due to the lack of school representation that they loaned money for with high interest rates. They are requesting a high monthly amount that is not simple to pay back in the first place. My loan should be discarded because of my schools non existence.
Consumer complaint received 2017-12-16
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. (NJ)

XXXX Experian XXXX XXXX are all reporting a balance of XXXX of a XXXX loan that I do n't own that balance the XXXX XXXX XXXX XXXX was suppsoed to pay this amount but have n't payed this is incorrect information
Consumer complaint received 2023-03-22
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2024-03-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (CA)

After submitting complaint XXXX, XXXX XXXX XXXX at Wells Fargo informed me via email on XX/XX/XXXX that he would not be able to respond to me about their investigation XX/XX/XXXX. The investigation is related to several recorded conversations when Wells Fargo provided me erroneous information about their forbearance program, which resulted in destroying my credit. The investigation will determine whether or not I need to pay them $ XXXX of payments that were on pause while participating in their forbearance program. 

According to Wells Fargo, I need to pay them $ XXXX of forbearance delayed payments by XX/XX/XXXX. If I do not, they will require me to pay the full amount of my property loan and could push me into foreclosure. 

This provides me with only 7 days from when their investigation is complete about whether I owe them $ XXXX or not until when the $ XXXX would be due. I have called Wells Fargo to request they accelerate their investigation or postpone the XX/XX/XXXX deadline. They said they could not do either. 

While I believe the investigation will be found in my favor, it is not possible to move a large of funds from one account to another in that short of time. This ridiculously short timeline that Wells Fargo has created is putting me into an impossible financial situation. Furthermore, it is positioning me for additional credit damage, and is putting my family 's only home at risk. I made on time payments for my entire 25 year credit history, and did not have one negative mark until Wells Fargo did this to me. This is another predatory example of their program, and it is unethical.

Attached is a letter from the investigator at Wells Fargo, and the notice of what they say I need to pay by XX/XX/XXXX.
Consumer complaint received 2021-11-10
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (CA)

I have been called by number, XXXX, up to 3 times a day. They don't leave voicemail. When I called back is says " number not available ''. When I answer it says " no one is available to take your call '' Today, I picked up again and man identified his name as XXXX and said he was with the company Affirm. I told them to stop calling since they call me three times a day. He said it was a recorded line.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (WI)

I've contacted this company several times informing them that i did not consent to. authorize nor benefit from any of these inquires ; therefore their reporting of them is inaccurate and incorrect. 
1 XXXX XXXX XX/XX/2020 2. XXXX XXXX XXXX  XXXX XX/XX/2020 3. XXXX  XXXX XXXX  XXXX XX/XX/2020
Consumer complaint received 2019-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Certegy Holdings, LLC (MI)

Tried to pay for groceries at XXXX, a store I have been shopping at several times a month since it opened in approximately XX/XX/XXXX, on XX/XX/XXXX with a check for {$190.00}. Check was declined based on information provide by Certegy. Manager resubmitted check, it was again declined. Only recourse offered was to contact Certegy. Cashier said I could use a debit or credit card instead.

Used online consumer contact form to email XXXX Customer Service. Response labeled as case number XXXX said they had forwarded my complaint to the store manager. Since the manager is the one who stomped away from the cash register after curtly telling me my only recourse is to contact Certegy, I consider this a brush off. Case tracking number is XXXX.

Used phone request system to request my file from Certegy. Received the file stating there were two attempted transactions in the past 24 months with their firm, both of them for the one check I attempted to use at XXXX. There are no declined items on file. The reason code provided is XXXX, which states basically that they will not tell me why they declined it. There is no appeal of their decision and no way to make sure they allow checks to go through anywhere they provide check authorization services. Tracking number is XXXX.

Did research on the internet. Apparently Certegy takes into account only people who use checks at companies that use Certegy 's services. They have no visibility into a customer 's credit worthiness or prior bad checks, and so are apparently declining based on whim.

I have not bounced any checks, do have money in the bank, and do have a decent credit rating. The bank account on which my check was drawn is one I have done business with for over 10 years.

Have contacted my State 's Attorney General, the Federal Trade Commission, Certegy, XXXX  and my bank regarding this issue.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.