davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
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: Garcadia Financial LLC (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc. (AL)

Company is reporting six accounts as negative accounts with late payments. When it should be listed as paid in full with zero late payments.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (SC)

XX/XX/XXXX ONLINE ADVANCE XXXX XX/XX/XXXX ONLINE ADVANCE XXXX  XX/XX/XXXX ONLINE ADVANCE XXXX Wellsfargo bank account. Those online advances made by scammers.
Consumer complaint received 2020-07-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

Loan passed on to Navient who has me on income sensitive payments with no understanding of that while i make a good salary they have been increasing my payment requirements to upwards of 2-3k.  this is not manageable and my loan balance due to deferments has increased to over 300k. there is no clarity on this at all. i want to transfer my loan to another provider and I want to make sure that once i start paying it is manageable as well as that the interest they continue to charge is allowable. i was not aware of this increasing amount at all
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (PA)

MRS Associates have added a collections notice to my credit report in the amount of {$1000.00} for XXXX. They state that I had this product in Alabama and I have never lived in Alabama nor I have I ever stepped foot in Alabama. I have sent them several letters stating this that I can prove that I have lived at my current address for 27 years in XXXX XXXX, PA. I have never received billing for XXXX! This is an identity theft issue and I want this resolved asap as it's affected my credit score I've worked hard to build. I gave them a week 2 times to get it off my credit report with no avail! I've been in contact with a lawyer. MRS Associates has yet to send me any paper work regarding this issue! Please help me!!! All billing at my current address is in my husband 's name and our cable/internet provider has been XXXX XXXX. Never even heard of XXXX! XXXX can't close the dispute because MRS said it's valid but they won't prove anything that it's my debt! I refuse to pay for something that I never had! Can you please help me get this off my credit report? I would appreciate any help you can give me! Thank you XXXX
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 I booked travel using rewards points, the purchase came to XXXX XXXX. On XX/XX/2021 we received notification from the rewards group that our flight was canceled and we would be reimbursed the points used in the booking.

Almost 6 months later and over 10 phone calls and over 20 hours in total, the rewards department only reimbursed XXXX pts. No one, including the supervisors can explain why so little was reimbursed and keep transferring from one department to another. The departments we are transferred to say that they are the wrong department. It seems like we have no other recourse, but to file a complaint for the theft of {$2900.00} which is the monetary value of the missing points. Please help us resolve this issue.
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (FL)

Today XX/XX/XXXX I received an email from XXXX  XXXX  that my credit score changed, I checked my changes and it said my credit limit decreased from {$1500.00} to {$590.00}. I contacted Synchrony bank and asked why was my limit decreased and the rep told me because the credit bureaus reports my credit score to them monthly. I never gave them permission to check my credit without my knowledge, my balance is {$570.00} with a new limit of {$590.00} and this XXXX it look like my utilization is high. I contacted XXXX  and asked them if they report credit scores to creditors and I was told that they do not. I see a lot of customers complaining that synchrony bank is decreasing limits because of the pandemic. I feel as if this is unfair to me and now my credit is suffering.
Consumer complaint received 2020-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX, Date : XX/XX/XXXX, account is marked as derogatory and is not correct. The account currently reports on all three credit reporting agencies as charged off as a bad debt and it is not correct. The payment shown are a mixed of collection and on time payments, example : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shown as collections and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as payments on time. I have not used this account in over 7 years, all payments where submitted on time. This account needs to show a {$0.00} balance and it also needs to be removed from showing as a charged-off debt this incorrect information.
Consumer complaint received 2020-07-03
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. (FL)

To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I sent an Affidavit of Truth to them ( attached ) via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received on XX/XX/2021 ( as shown in one of the attachments ) and they responded with the letter attached and dated as XX/XX/2021. I did all steps needed to exercise my rights and Wells Fargo is not complying. This is not my debt to pay back!
Consumer complaint received 2020-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (NY)

I opened a prepaid card I received several months ago as a gift for the first time ( personally removed the seal and removed from package ) and logged in to check the balance for the first time on XX/XX/2020. I then discovered that the card had been drained with a series of small transactions happening sequentially with one second intervals on XXXX in late XX/XX/2020. 

The card was issued by US Bank and I was instructed on the back of the card to log into mygiftcardsite.com to check the balance. The site claims that there is a 24 hour service center, but attempts to call simply get cut off instead of transferred to a customer service representative. The links on the website for assistance load blank PDFs. I can not speak to someone to report the theft and initiate an investigation despite assurances online that there is a 24 hour service center.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (FL)

CHRYSLER CAPITAL IS IN VILOATION OF SEVERAL FEDERAL LAWS WHICH INCLUDE 15 US 1681a ( 2 ) ( B ) & 15 US 1681a ( 2 ) ( A ) ( iii ).
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am having tons of problems with the spelling of my name on my credit file. My Birth name is XXXX XXXX XXXX My SS XXXX My DOB XXXX. Please delete any other names, DOB or SS variations of my personal information they are not mine. I am in need of a new report with the following addresses deleted that do not belong to me. Please delete the following : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, LA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LA XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2022-08-05
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. (FL)

I, XXXX XXXX, totally upset and sent letter on XX/XX/2022 to Equifax and XXXX regarding my inaccurate and unknown things that I saw on my credit report. Through this, I am requested to see verifiable proof ( i.e : an original consumer consumer contract with my signature on it ) that you have file for the account listed on my credit report to this day over 60 days later, I have not received as of yet. I feel like I am not being taken seriously and ignored of my disputes. Under section 611 ( a ), it is purely stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that 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 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

Account XXXX Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. Kia Financial Motor Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.
Consumer complaint received 2018-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX of 2018 we started the Home Mortgage loan with Wells Fargo. And on theXX/XX/XXXX Wells Fargo informed us with the pre-approval letter and they told us that it was very likely that the loan was going to be given out to us. They also informed to us that commitment letter was going to given out to us as well. And on the XXXX of XXXX commitment letter was received and we notified all the party that the transaction was going to happen soon. They told us to pay Wells Fargo {$660.00} for the house appraisal. And the {$660.00} was given out to Wells Fargo on the XXXX of XXXX. And on the XXXX of XXXX they denied my loan. Nothing changed and we did everything in our power to listen and gave Wells Fargo out trust.Through this whole process and we spent a lot of time and money outside from third party as well. We trusted Wells Fargo and even paid {$660.00} like they asked after telling us that the loan was going to be given out. We talked to Wells Fargo and they told us that they do not have time to deal with small issues and kick us to the curb. They also stated that if we wanted our money back for the unfair treatment, we were going to have to file a complaint to the Consumer Financial Protection Bureau.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (TX)

on XX/XX/2018 I sent an email to XXXX ( attached ) revoking my ACH authorization and asking them to cease and desist all phone calls to me or any number associated with my account. 

On XX/XX/2018 they sent me an email and a text message stating the payment they tried to take on XX/XX/2018 returned NSF. 

I forwarded them the email from XX/XX/2018 advising them again that I had revoked the ACH and sent a cease and desist letter. I advised them again they were not authorized to withdraw money via ACH from my account. 

Yesterday, XX/XX/2018 I received a text message stating they attempted another ACH withdraw from my account and it was returned. I also received a phone call collecting on the debt despite the cease and desist verbiage in my XX/XX/2018 email. 

I have sent several emails to them and even used the " contact us '' form on their website but they refuse to return my emails. 

They are in violation of several XXXX consumer laws and have caused me to be charged fees by them and my bank.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

There are multiple Hard credit inquiries for the same credit check on the account. 

XXXX XXXX was never given permission to pull hard credit but they did I called the bank they have denied to take out from Credit report. 

Please help me fix the issues currently my score is XXXX but my goal is to take it to XXXX I have been working hard to get there but some of the company hurts people like me to reach my goal. Please help me Thanks
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

Citi refuses to process my payments and continues to harass me. I submitted phone to executive office months ago and it still has not posted. Citi offered me reduced payments on a COVID-19 plan but then rescinded that and is not giving me the monthly payments that they offered. In addition, Citi refuses to speak to me on the telephone and will not accept my calls to customer service, but then repeatedly calls me beginning at XXXX in the morning and even on XXXX weekends ( today ). I have attempted to communicate with executive and corporate offices and Citi refuses to address my concerns, closed my account out of retaliation for filing complaints, refuses to process my payments, refuses to honor the reduced payments they offered me, won't quit harassing me via telephone and email but then refuses to speak with me. Citi is intentionally withholding my payments I submitted and refusing to give me the reduced payments in a deliberate act of retaliation in an attempt to further ruin my credit because closing my account for no reason out of retaliation for filing federal complaints wasn't enough. Why do they call me if they won't talk to me?
Consumer complaint received 2020-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company (FL)

FrostArnett Company in XXXX Tennessee was paid {$120.00} on XX/XX/2020 and my bank has verified that the check cleared on XX/XX/XXXX. They continue to send multiple notices a week dated on XX/XX/2020 without acknowledging the payment. I have called and a woman named XXXX said that they show the debt as paid but will not stop mailing bills or acknowledge my payment. 

Their address is Frost Arnett Company, XXXX. XXXX XXXX, XXXX, Tennessee XXXX. Their phone number is XXXX.
Consumer complaint received 2020-08-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (NC)

I had a house fire back in XXXX. I am with Mid America mortgage company based in Texas. I hired a contractor to do the repairs and so far he has only received one payment out of three requested from this Mortgage Company. My insurance company has paid out to this Mortgage Company all the funds for the repairs. But my contractor has been trying since XXXX to get a second and now a third draw for this money that is owed him. Now, since this mortgage company has not paid, my contractor has stopped working on my house. it has been 3 weeks with nothing further getting done. Last inspection put us at 95 % complete, but he can not finish because this bank will not pay him. Now my insurance company is saying that they no longer can keep me in my rental house past XXXX because ample enough time has been provided for repairs and the bank delaying payment is not a good enough excuse to continue rental lodging. So now we are going to have to find another place to live at our own expense because Mid America mortgage hasnt paid my {$65000.00} contractor in months. This is a really poor bank process and I do not know why they are delaying funds to my contractor. I don't know how else to complain about this to make them pay any help would be appreciated thank you