davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (OR)

With all the news about Wells Fargo, I wanted to send in my complaint even though it was from XXXX XXXX. I closed my account during the down turn at Wells. I did have some automatic bill pay, but the bank told me when I closed my account that they wo n't be able to take money out since it is closed which made sense to me. However, a few months later they contacted me and said I owed them {$2500.00} because they were charging me overdraft fees even though my account was closed for any automatic bill pay. They bullied and threaten me that all banks belong to a service and if you are on the list then you ca n't get a bank account anywhere in the city. So I borrowered the {$2500.00} from my dad and paid them for the fees! Then when I did go to the branch and paid them I asked over and over if we are square and nothing more to be paid. They assurd me that nothing more would happen. A few months later they call me and said I owe them {$500.00} more or they will take me to collections. I was irate and after telling my story, I never heard from them again. Fortunately, I never saw a collection on my credit report. I 'll never see that money again but you need to know what bullies they are and how they ripped me off! Thanks
Consumer complaint received 2018-07-12
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: Rocket Mortgage, LLC (ND)

I called quicken loans on XX/XX/XXXX to get pre-quailfied for a home loan. I explained that this is going to be an investment property and I was needing a loan for {$80000.00} I told him my whole plan and he said let 's pull your credit. 

He pulled credit report and said everything looked good with you and your wife but, unfortunately we can't lend out that amount for an investment property due to it being too little. They would not go less than $ XXXX. I disputed my credit inquiry and they came back and said that we would give you {$75000.00} but unfortunately your wife 's credit is to low. 

Quicken loans is coming up with every excuse on why we are not approved.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX **** Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX Bankruptcy XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-08-04
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. (TX)

I HAVE ASKED EQUIFAX TO VALIDATE THE ERROR OF XXXX XXXX  REPORTING THAT I OWE XXXX XXXX XXXX {$2100.00}. EQUIFAX REFFUSES TO VALIDATE THE DEBT AND TO REMOVE THE ERRONEOUS DATA BEING REPORTED.
Consumer complaint received 2017-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

My Chapter XXXX BK has been discharged. I also have multiple Hard inquiries I have requested to be removed multiple times that are still there. XXXX makes it very hard to dispute them. XXXX has BK as DISCHARGED but has XXXX Hard inquires, XXXX has XXXX inquires, Equifax has XXXX. That is a big difference. Also XXXX reports as XXXX late pays when that is impossible during CHapter XXXX. XXXX XXXX is showing 1 30 day late on all and that should be removed as well. The balance is also XXXX not XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I was contacted by planning folders to place an ad in a folder that would be distributed to a local facility that rents out for weddings. They said it would appear for one year in their folders and would be {$370.00} for one yer. They would design the ad and I would have a proof. A few days went by and they called and said they could offer year 2 for the same amount. I said ok. The ads and proofs never came t be. I contacted the CC company but they first put it in fraud but then moved it to dispute. They now are unwilling to work with me even though I have provided all the proof
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Immediate Credit Recovery (FL)

u s dept of education sent a letter dated XX/XX/XXXX stating my loan is in defalt status due to non payment. i told them i had been hospitalized sice XX/XX/XXXX that i am putting applications in for ft employment. 

i had my mother to set up a paymentplant to take out automatic withdrawls from her credit card XX/XX/XXXX. they received the payment and did not remove the money every month. 

i have applied to a XXXX XXXX XXXX position to assist me in my loan repayment but i will not be hired untill this is resolved. 

i called the and was told it was sent to the immediate credit recovery, XXXX XXXX only getting voiice mail. and i complaind to the dept of education default resolution group, XXXX TX, XXXX XXXX XXXX i was told the phones mut be down due to BAD weather???? 

i will not be hired if this is not resolved.
Consumer complaint received 2019-10-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

Over the past few weeks we have received several robocalls from phone number XXXX. The recorded message says it is from XXXX and XXXX, that they are debt collectors,  and that we should call XXXX. The message does not give any indication of what this is about. We have no overdue bills.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Debt Agency (MS)

I enrolled in student loan debt agency program and the down-payment was {$650.00} dollars They told me that after the program was completed that my loan would be forgiven and my payments would be consolidated to increments of {$20.00} dollars a month for next 20 years So I have not heard anything from them in months nothing in the mail stated that have completed the program I even tried calling them and their number changed The number was XXXX XXXX and guy name XXXX XXXX was handling my case
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 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 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 If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (VA)

The account is closed & has been closed for years. I have disputed to get it removed off my credit reports & it has n't been removed
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Reliant Capital Solutions, LLC (NV)

In XX/XX/XXXX I consolidated my Student loans through the U.S. Dept. Of Education. I combined all my loans in to an Income Contingent Repayment loan. I have been paying these loans on time without issue since XX/XX/XXXX. Recently on XX/XX/XXXX I received a letter form Reliant Capital Solutions ( a collection agency on behalf of the U.S. Dept. of Education ) claiming that I had a student loan that was not paid and a balance of XXXX. 
I called the collection agency and explained that this could not be mine as I have been paying all my student loans without issue since XX/XX/XXXX and all my loans were consolidated in to an ICR loan in XX/XX/XXXX. I asked them to send me proof of the original debt and they said they would send the original promissory note with the original documents. 
On XX/XX/XXXX I received a packet from Reliant that had nothing to do with this outstanding balance they claim I owe. they sent me copies of my Loan consolidation paperwork from XX/XX/XXXX. So I called back and explained what they sent me. I told them that my ICR paperwork DOES NOT prove this alleged debt. So I asked again for proof of this alleged debt, they said this was all the paperwork they had from the US dept. of education. So I told them that if they can NOT provide proof this debt belongs to me they must cease all collection attempts and close this matter. again they said they would send me the proof. I have to date received NOTHING. 
So I called the US dept of education. they told me that this debt was from XX/XX/XXXX and they see that I went through them inXX/XX/XXXXto consolidate my loans, and they were aware of this loan in XX/XX/XXXX. and if I consolidated in XX/XX/XXXX it should have been a part of my consolidation. I explained that this is why I don't believe this loan is actually mine and I once again demanded they provide with original proof of this loan. 
they said they would. However as I have stated earlier I have not received anything from Reliant or the U.S. Dept. Of Education since. 
I sent a formal Dispute and demand letter by certified mail on XX/XX/XXXX. In that letter I stated again that I was disputing this loan and demanded original proof of this debt. I also requested a response within 30 days of receipt of the letter. It has been over 30 days and again Zero communication from them.
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Chase bank said that they received a legal order to hold my fund since XX/XX/2018. They did not want to release any information about this legal order. I being trying to get any information about this because I need to know what is happen with my accounts. I being calling the XXXX option XXXX which is the Chase Court Orders and Levis and no one can give me any information than the I need to call back between 24 to 48 hours. 
Here is the list of my accounts placed in hold. 
Checking XXXX Checking XXXX Checking XXXX Saving XXXX Saving XXXX All the XXXX accounts are placed in hold and no received any notification or explanation about it.
Consumer complaint received 2017-08-04
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. (FL)

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AN D  XXXX   XXXX   XXXX   ) THE CR EDIT BUREAUS GAVE ME NO VERIFYING PROOF. THE SE TWO AC COUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATI ON   XXXX   OF 2015.
Consumer complaint received 2017-08-04
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. (FL)

I CONTACT THE  XXXX  CREDIT BUREAUS DO TO FRAUDULENT ACCOUNTS (   XXXX   XXXX   , AND   XXXX   XXXX   XXXX   ) THE CREDIT BUREAUS GAVE ME NO VERIFYING PROOF. THESE TWO ACCOUNTS I GAVE NO ONE AUTHORIZATION TO OPEN THESE ACCOUNT IN MY  NAME. I NOTIFIED THE CREDITORS AND CREDIT BUREAUS THIS INFORMATION  XXXX  O F 2015.
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

Im XX/XX/2015, I took I student loan out. Nelnet put my account as delinquent, even though I was never notified when to start making payments. I would like to get on a payment plan and this off my credit score. 
Thank you, XXXX XXXX
Consumer complaint received 2017-09-01
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: JPMORGAN CHASE & CO. (VA)

I was subjected to deceptive trade practices. I explained the situation in great detail and submitted evidence that the company was not following industry standards. 

Chase treated my inquiry as a billing error instead of deceptive trade practices prohibited by Virginia state law and proceeded to resolve the issue with the deception ignored.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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 XXXXXXXX XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00XXXX XXXX 636992105291****Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX A ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$310.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-02-22
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation (FL)

XX/XX/2021 received notice of escrow shortage of {$1000.00} this amount was paid on XX/XX/2021, 2.after receipt of this payment was told by XXXX XXXX that my new mortgage payment would be {$880.00} going forward but I would have to pay another additional {$140.00} for XXXX because amount paid in full was late they claimed and now XX/XX/XXXX paid my original mortgage payment because I did not have a correct amount to pay now apparently XXXX payment is completely lost I sent proof of payment from my credit union to them today and they are now claiming that they will want another {$140.00} for XXXX because they cant seem to get there act together every time I call which is once a week I seem to get a different story apparently XX/XX/2021 my mortgage is supposed to be {$880.00} increased from {$820.00} but I do not know this 100 % prior to this we paid our payment automatically on time every month My wife and I have good credit and we do not want incompetent mortgage company to screw that up.I would like them to own up explain everything and fix correctly XXXX and. XXXX are the two people I know of most involved and neither one returns phone calls Please Help
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I was enrolled in autopay to lower my monthly payment when in XX/XX/2015 my loan went from $ XXXX/month to {$750.00} and almost over drafted my account. I worked for weeks to get my payment to a steady $ XXXX/month over the next 20 years. Since then my monthly payments have increased incrementally and I now pay {$480.00}, of which {$100.00} in just in added interest - none towards my actual loan repayment. I can not afford this nor will my loan be paid off in a more timely fashion. When I asked about lowering my monthly rate I am told there is nothing I can do. They told me there are no income based options for private loans.