davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Suspect fraudulent activity committed by Wells Fargo on my mortgage account ( through Wells Fargo ) : 1 ). Wells Fargo has committed a breach in home loan contract. <P/>2 ). Home mortgage payments have increased for property taxes & insurance without probable cause. Changes and/or justification provided by Wells Faro does not reflect current # s on assessor 's  website and other supporting documents ( please see attached ). <P/>3 ). XX/XX/XXXX - Purchased home through Wells Fargo standard home loan. <P/>4 ). XX/XX/XXXX - Performed ( current ) loan modification through Wells Fargo. Decreased payments to ~ {$1500.00} now over ~ {$2000.00} ( please see attached supporting documents for home loan # ). <P/>5 ). XX/XX/XXXX - Received payment adjustment notification via mail that property taxes & insurance increased. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. <P/>6 ). XX/XX/XXXX - Received additional payment adjustment notification via mail that property taxes & insurance had once again increased and that once paid in full monthly mortgage would increase. Given 2 options ; 1 ). pay total amount in full, or 2 ). make monthly payments for 12 months. Opted # 2 for payments. Currently making scheduled payments through XX/XX/XXXX ( please see attached supporting documents ). <P/>7 ). XX/XX/XXXX - Red flags in question : when compared to dates & # s listed on the assessor 's website they do not align. Property taxes & insurance have not increased in at least 2 years. They make claims that property taxes & insurance payments were paid late ( by Wells Fargo themselves as I do not have a personal impound account, Wells Fargo handles all property taxes & insurance payments ) when in fact reflect an earlier date on assessor 's page. They incorporated a payment increase justification due to claims of a 'Projected ' increase for XX/XX/XXXX ( noted on reverse side of notification, see  attached ). No clear explanation/justification for increases has been provided by Wells Fargo to date.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

On XXXX/XXXX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/><P/>Experian : XXXX XXXX listed as a " Negative '' in XXXX XXXX On XXXX/XXXX/XXXX I contacted Experian. The agency acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XXXX/XXXX/XXXX I contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (ND)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Debt in question was for medical services performed over a year prior. The insurance company says debt is not owed. Debt collector advised me to just pay so it goes away and was extremely insulting on my own understanding of the facts and circumstances. Would not accept an electronic signature on a release form or speak to the debtor in person.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

Provided is a receipt of payment to CHASE, in branch, to clear the unpaid balance and up to X/X/2017,  Chase has yet to clear the issue with XXXX  XXXX who is inaccurately reporting a debt that has been paid and was promised to be cleared. In XXXX 2017, I went to apply for a checking/savings account with XXXX XXXX in XXXX, FL. They denied my application for a checking stating that CHASE bank reported a balance of delinquency. After sending proof of payment to CHASE to XXXX XXXX, XXXX XXXX, on XXXX, stated a balance was still showing to CHASE. WHO IS GOING TO FIX THIS INACCURATE AND UNFAIR, PREJUDICED REPORTING. I have been discriminated and the banks are communicating inaccurate information as is reporting on XXXX XXXX.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (OK)

I received a call from ERC collections stating that my XXXX XXXX account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. ERC and I came to an agreement of {$1200.00} to settle the debt. I made sure ERC sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my XXXX XXXX account. I called XXXX. They confirmed my account was in collections, that they were waiting on ERC to finish their part and that it usually takes one to two billing cycles to be complete. This was in XXXX and XXXX. It is now XX/XX/XXXX and I 'm still getting letters from XXXX XXXX telling me I have past due payments. This account was settled on XX/XX/XXXX with ERC so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if XXXX has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and XXXX or ERC should be required to fix it.
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CT)

On XXXX I agreed to pay {$180.00} with ERC for a debt. In return ERC agreed that the debt would be satisfied and release all claims. ERC cashed the check but as of XX/XX/2019 the items were still showing negative on my XXXX  and XXXX credit files. I disputed the item and it was removed from XXXX  on XXXX. The negative item was still showing on XXXX  so I called ERC on XXXX the first representative told me it would take 45 days to be removed. I then spoke to a representative on XXXX and was told they can not remove the item. So I started disputing the information with transunion .But XXXX  was still showing the negative item even after I showed proof the cashed check and the item being removed by XXXX  XXXX Since that time Ive sent certified mail to XXXX  to dispute this item but I still have no proof from XXXX  or ERC that the information they have is valid.
Consumer complaint received 2020-04-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

I received a tuition answer student loan of {$4100.00} from Sallie Mae while attending college at a set rate, and Salliemae transfer the loan to navigate. Although I am making payment on the loan, the amount owed keeps going up due to the loan servicer constant increase of percent of the loan rate. My balance since 2007 still shows {$2500.00} ; although I have paid over {$5500.00}.
Consumer complaint received 2017-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MS)

It was back to 2012, i found my paypal balance disappear. So i contact paypal ask them to investigate this issue. Paypal send me a check image, the check was send to MI which i never live there. The check is deposit to XXXX XXXX XXXX. 

The i start a BBB complaint, paypal agree to refund me the amount {$460.00}. But before that i need to document. However, after that i receive nothing. 

After that, i send email to the paypal executive office receive no response. Call paypal get nothing helpful.
Consumer complaint received 2017-09-28
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: HYUNDAI CAPITAL AMERICA (CA)

XXXX is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with Kia and Kia is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. XXXX needs to send a representative to manually check the records of Kia so that it can be reflected on my credit report that I have a XXXX balance. Kia is lying about this account so XXXX  needs to properly investigate and this account needs be updated to a XXXX balance immediately.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I was informed by Citibank that they closed my credit card account. I have always been an excellent Citibank customer since XXXX when I opened this account and I have always paid my account on time. When Citibank closed my account, it hurt my credit score because there is a significant balance on this account. I am very aware that as much as 30 % of my credit score is  based on the relationship between my credit card balance and my credit card limit. The action of Citibank closing this account caused me to be significantly over my credit limit, because there is no longer a credit limit reported on this closed account. 

This is very upsetting to me because during this difficult time with Covid-19, I am trying to secure financing for my business and the action by Citibank in closing my account hurt my credit score and is hurting my ability to receive the financing that I need to sustain my business in this most difficult time. 

During my phone conversation with Citibank on XX/XX/XXXX, they informed me that the reason they closed my account was because they attempted to draft my checking account for the minimum payment due on XX/XX/XXXX and XX/XX/XXXX but were unsuccessful. Once I learned of this error, I called Citibank and cleared up the problem. Again, I have never been late. 

I really don't understand why Citibank would do this to me during such a difficult time as Covid-19 when I am trying to keep all my bills current and keep all of my employees on payroll.
Consumer complaint received 2017-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHS, Inc. (VA)

I called on XXXX/XXXX/XXXX and asked about a XXXX negitive mark / bill on my credit report. I asked if they could do a settlement because I need that mark removed.i was told that they do n't do settlements and that I could make payments or pay in full and then it would be removed ones all of the money was paid. I said ok can I get all of that in writing. The lady said yes verified my address and said she would send it right out. On XXXX/XXXX/XXXX I I got a letter in the mail saying that I owe XXXX and I had a payment due XXXX/XXXX/XXXX. When I did not respond I got another letter that was out of line with false statements I never made and a higher amount than the last letter XXXX at this point I do n't believe I owe any of this bill.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

I have two checking accounts with Chase. On the morning of XX/XX/XXXX I noticed that 4 unauthorized charges on both accounts (XXXX, XXXX, XXXX, XXXX) totaling $XXXX. I immediately went to see if I still had the debit cards in my possession and noticed that my wallet was missing. I called Chase and reported the unauthorized transactions and that my wallet was missing which had all my cards and my ID in there. I wasn't sure if the pin numbers had been written down anywhere in my wallet. Chase opened up 4 fraud claims and issued me temporary credit for each charge. On Tuesday, XX/XX/XXXX I received an email from Chase stating that my claim for $XXXX was denied. I called the Chase Claims department immediately and was told that my claimed was denied due to the fact that my pin was used to make the transaction and it must've been me or someone I knew who made the transaction. I was told that it was my responsibility to prove to Chase that I wasn't the one who made the transactions and that I need to get a subpoena to get the camera footage but stated that it doesn't guarantee that I would get my money back. Chase refused to assist in any other way. I don't feel like a thorough investigation was conducted by Chase. They based their conclusion and the denial of the fraud claim solely on the fact that my pin number was used. I reported the fraud immediately and am still held liable. I was basically told by the fraud department supervisor that it was my fault and my responsibility to prove to Chase that the transactions were legitimately fraud. How am I supposed to prove something that I didn't do?
Consumer complaint received 2017-09-28
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. (CA)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class  action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MN)

I opened a Discover account in XXXX. I had a single late payment ( not 30+ days late ), and they closed my account in XXXX. The account was open for around 12-13 months at the maximum. Discover sent me a notice saying that they were closing my account in XXXX. At that time, I submitted a complaint and did not receive a satisfactory response. Fast forward to today, and I filled out a " pre approval '' form for a Discover account. I received a message that my approval was denied due to the " status '' of a current or previous account. Knowing that my account was never seriously delinquent and was paid in full, I messaged Discover to see if I could figure out the issue.

After over one hour chatting with Discover, I was told that my account status reflected a 148 day past due status. That is simply not true, and there is something in their records that is factually accurate. The chat representative refused to take my complaint, refused to escalate me to anyone else, and disconnected the chat without resolution.

Specifically, I need to know why my account reflects a 148 day past due status when I was never even close to 30 days past due. I also would like to know why I have been declined for credit incorrectly.
Consumer complaint received 2023-02-11
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)

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX XXXX Violation: auto loan never late
XXXX XXXX XXXX XXXX Violation: credit card not mine
XXXX XXXX XXXX XXXX
XXXX XXXX XXXX Violation: student loan never late
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: collection not mine
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I live in California with the Equifax breach we are having to freeze our credit accounts with all 3 bureaus to help stave off the potential negative impacts of the data loss.
However, we are being asked to " pay '' a fee from the other two bureaus to freeze the accounts.
So basically, because one of the 3 main credit bureaus failed to protect our information and put us at risk, forcing us to freeze our accounts then the other two bureaus are profiting handsomely! 

We requested that Equifax reimburse us for expenses we incur with the other bureaus everytime we have to lock / unlock our credit accounts. 

They refused. 

We believe you should issue guidance that either the bureaus offer this service for free forever or compel Equifax to reimburse all of the people they put at risk. 

To expect the public to bear this burden is unfair and inappropriate. 

Please protect our interests ASAP
Consumer complaint received 2020-04-23
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: Navient Solutions, LLC. (TX)

Given the options, this track was the one that " best '' fit my issue. Neither I nor my mother have a student loan. On XX/XX/2020, Navient ( XXXX ) called my XXXXyo mother, whom I have POA over, as a hip-shot approach seeking info regarding XXXX XXXX, acct # XXXX. The caller ID 'd himself as XXXX, Employ ID XXXX, on a voicemail. When that failed, he proceeded to call me and left the same voice mail. I called to find out info about this issue and was told my info was obtained from XXXX ( XXXX ) and this was an attempt to locate XXXX XXXX, acct # XXXX over a student loan. We do not know XXXX XXXX, acct # XXXX and this is the 2nd time this type of call has occurred in as many months. I feel this is a violation of the DNCR, harassment, and abuse of information. I have since restricted my info at XXXX and noticed them of my concerns that their info of my family is being abused by Navient. I have expended at least 2 hours of my time thus far.
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
Consumer complaint received 2017-07-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDICO. INC (SD)

I received a letter from XXXX XXXX XXXX threatening me with a lawsuit even though I told them not to contact me again without a proper validation letter as required under FDCPA. They contacted me anyway and are trying to coerce me into paying debts I do not owe according to the law. In addition, the debts in question are invalid because 1 ) the original providers sent me bills more than two years after I was seen and therefore missed the six-month Good Filing Deadline, and therefore according to regulations these charges MUST be written off ; and 2 ) I was under XXXX and was taken involuntarily to XXXX XXXX Hospital on XX/XX/XXXX, 2013 and therefore the state is responsible for paying the bill, not me ; that is an established fact of law.