davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: WELLS FARGO & COMPANY (CA)

I receive a letter from Wells Fargo informing me that the access to my credit on my account was suspended because I asked for forbearance. I never ask for any type deferment so I called them. 
First agent told me that it was a glitch on the system and that will be corrected on 48 hours. I called after 4 days because they did not reinstated and then I was told that I needed to send paperwork so they can asses my finances again. I spoke with a supervisor that was going to investigate the issue. Even though I sent the paperwork requested nothing happened. It seems that because I have a very low interest rate they don't want me to access more credit. I also read on XXXX that it seems the issue is not only with me and that they been placing account on forbearance and deferment without the clients asking.
Consumer complaint received 2020-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (TN)

XXXX Applied for a car loan and was accepted for the loan by a credit union. Received report in mail from XXXX XXXX  regarding the loan ( that I did not take out with them but instead used the above credit union ). XXXX XXXX denied my loan due to a report from a company by the name of SageStream ( never heard of them and have no idea who they are ). My XXXX  report shows my credit score as  XXXX as my husband and I have always paid our accounts on time and have never overused credit. The credit report from SageStream puts my credit score at XXXX ( WHAT??? ) The reason is not enough debt experience ( false - I am XXXX years old and have owned a home, numerous financed cars, etc. ), limited history for consumer at this phone number ( have had this number for 20 years ), limited revolving accounts ( I have a XXXX XXXX, XXXX XXXX, XXXX XXXX ), total account balances ( WHAT?? - we keep our bills current and always pay more than owed if not paying off the balance completely every month ). I tried calling them and got into a loop with no answer after 20 minutes. THIS INFORMATION IS TOTALLY FALSE. I am very concerned that this will adversely affect my credit score, which I have kept exemplary for decades. I would like to file a formal complaint regarding this company and their methods of obtaining this score.
Consumer complaint received 2020-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (NY)

Company promised a {$75.00} promo for getting direct deposit over {$500.00}. I got a direct employer deposit of {$500.00} on XX/XX/2020 yet the promo did not credit as promised.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX of XXXX I moved into a forbearance with my mortgage. I was assured that my credit would not be affected. XX/XX/XXXX they reported my balance had increased {$3400.00}. No information was sent to me on why it was increased. XX/XX/XXXX my escrow and mortgage was brought current since the forbearance has ended. After several fights of XXXX saying my mortgage did not increase and they never reported to my credit they lied and they did report to my credit. There is no Documation that my mortgage increase only that I was in a forbearance plan and the entire balance has been paid and on time. No one will give me answers as to why XXXX reported my balance as increasing. The recorded conversation on XX/XX/2022 of me asking for this information I was told they could not send me any information because they did not report it. 

Equifax allowed this information to be put on my credit without any documentation and refuses to correct the information being that is it false and XXXX has no proof
Consumer complaint received 2020-05-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc (AZ)

XX/XX/2020 received a letter from collection agency regarding past due federal student loan. I immediately called the collector, Williams & Fudge. I was advised to consolidate my {$16000.00} loan along with a {$5200.00} penalty and collection fees. I was not offered any other options. 

Upon speaking with family, I found that there should be other options offered. 

I agreed to a Rehabilitation program offered for federal student loans. The collection agency promised to send me the agreement offered by the school. Instead of giving me the offer outlined by the university, the collection agency sent me a vague contract. This contract only included a monthly payment I was to pay of {$600.00} for 9 months. Nothing else. No terms as to what this payment goes towards or where my loan balance and payments are once the 9 successful payments are made. 

Two months of back and forth, they finally sent me a contract that includes terms. BUT, the terms are not what was agreed to. Still not complete, but they have managed to add over {$12000.00} in penalties to my original {$16000.00} 5 % loan. 

Upon more research I discovered that a collection agency can not cross state lines. They have made contact and continue to contact me at my parents home in XXXX XXXX. I am permanently located in XXXX XXXX   and have been even prior to their involvement. I have informed the agency that they are using the incorrect address and they don't care. 

In summary, 1 - They first deceived me into thinking that the only option was to consolidate and add an addition {$5200.00} to the loan and start over with payments. 

2 - Once they were informed of the rehabilitation offer, they still would not put the terms and condition into a contract. They continued to charge the {$5200.00} penalty even though that should have been reduced to only being on the past due amount and not the full balance. 

3 - I involved the Federal Student Loan Ombudsman office to try getting term included. They then sent me a new agreement outlining some, not all of the terms. The terms are not what we previously agreed to or what the university told us. 

4 - Finally, they are reaching across state lines as they are in XXXX XXXX and I am in XXXX XXXX.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I received a phone call a few weeks ago concerning a debt owed to XXXX XXXX XXXX  for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. 
There is a further reference about a Jefferson Capital Systems, I don't know of them either.
Consumer complaint received 2020-12-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

I'm not sure why my last complaint was closed. This is a continuance of that complaint. It seems when a company responds, that's enough to close the complaint on the consumer? 

The company, over a series of communications, as abjectly refused to address any of the issues I've raised directly. The phone conversations I've had bear no resemblance to the written communication and the company refuses to address these issues and the information I've provided directly. 

Most recently, they sent as some kind of evidence to me, a copy of what they identified as my loan account with them. Unfortunately, the documentation they sent does not have anything to do with me. It is not my name, not my car, not my loan, not my address or SSN. It is also for a loan amount significantly higher than my loan. If this is what they have on record for me, I have a few issues that need to be addressed, including : - Why do they think this is my loan? 
- Is this the loan documentation attached to my account? 
- If it is, how was this mistake made? 
- Is the owner of this loan aware they they sent their private financial information to someone else? 

I'm planning to reach out to the person named in this loan to advise them that Wells Fargo shared their loan information with someone not listed on the account as they may be having a similar problem with the company that I am.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

i sent out a letter to the 3 credit agencies over 30 days ago and still havent recieved a response and by federal law the agency has 30 days to respond or the account must be deleted.
Consumer complaint received 2020-07-06
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX {$5500.00} XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$31000.00}
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

I received an alert from Citi Bank Credit Cards on XX/XX/XXXX at XXXX am about a potential fraudulent charge at Home Depot for {$520.00}. I immediately called the credit card company and told them I did not make the charge. We also discovered at that time on XX/XX/XXXX that a charge for {$410.00} had been made on XX/XX/XXXX at XXXX XXXX and I informed them that also was not my charge. That this credit card had been in my wallet and I had not left my house in over a month due to covid-19. 
I received an email on XXXX that Citi requested that I contact them about my dispute by XX/XX/XXXX. I called them on XXXX and was disconnected by someone claiming they couldn't hear me. I called again on XXXX and finally got through to someone to see what their question was and they simply asked if the card had been in my possession at the time of the transactions. I told them it had. It had been in my wallet and I have not used in the card in a very long time. 
Today, XX/XX/XXXX, I received a letter from Citi stating that my dispute has been closed and the card 's XXXX chip was used to make the disputed transactions at a chip enabled card reader and I verified the card had been in my possession so I am responsible for the charges. I did not make either of these charges and there are no other copies of my credit card that anyone could have had. The card never left my wallet. I called Citi Bank again today on XX/XX/XXXX and spoke to a representative who told me there is nothing more they can do. I asked if they had asked for video proof with the merchants to show it was not me making the transactions and I was told they would still investigate, but I am responsible for the charges. And, if I pay for these charges and they are successful with getting the money back from the c
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

I have been part of the Public Service Loan Forgiveness ( PSFL ) Program for several years. On XX/XX/XXXX I uploaded the PSLF Certification form that indicates I have worked for the State of California for the past year and to continue my participation in the program to my federal loan servicer FedLoan. Due to the national health crisis all California State employees are working from home and do not have access to regular work flows. My HR representative and I provided electronic signatures to validate the certification. On XX/XX/XXXX I received correspondence from FedLoan that stated electronic signatures are not valid and only wet signatures will be accepted. This is in direct violation of the U.S. Electronic Signatures in Global and National Commerce ( ESIGN ) Act of 2000 and the Uniform Electronic Transaction Act ( UETA ). With the passage of the ESIGN Act of 2000, electronic signatures became legal in all states and U.S. territories where federal law applies. Electronic Signatures refers to any electronic process that indicates acceptance of an agreement or record. My electronic signature and the HR personnel 's electronic signature that were provided on my PSLF certification fit this definition. Furthermore, they are requesting that I ignore county and federal health recommendations to obtain a wet signature when electronic signatures are valid and legally binding. I wrote to FedLoan on XX/XX/XXXX to explain this and received an email from XXXX at FedLoan stating that only wet signatures were accepted. This is an illegal policy. 
Thank you for your assistance with this matter.
Consumer complaint received 2021-09-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

In XXXX I made a purchase of shoes ( sandals ) via the internet. They are expensive, cost around {$100.00} but great for people with bad backs and knees, they have extra cushion. What I received were cheap plastic sandals. I tried over weeks to resolve the matter with the merchant. The merchant wants me to make an additional purchase for which they will give me a discount. First I can't afford to make another purchase and second I don't trust them. The merchant has tried everything to stop me from returning the merchandise. I paid to have it shipped to me they should pay to take it back. Every time I make a better offer to them to return they add more difficulty including saying that they would not be able to resell the item. I finally filed a dispute. My dispute was declined because I was still in possession of the item. I provided ample evidence that I tried to work with the merchant. The merchant even shut down the web link to my purchase and their website to which I also provided evident to the credit card company.
Consumer complaint received 2021-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

ERC reported that I owe this XXXX and they put it in collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Consumer complaint received 2020-05-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ALLY FINANCIAL INC. (NH)

I would like to file a complaint against Ally Bank for paying a {$19000.00} electronic debit against my checking account at a time my balance was only {$3900.00}, leaving my checking account seriously overdrawn and leaving me unable to pay other bills. 

I recently made a balance transfer of {$19000.00} to a XXXX XXXX credit card that I had not recently used. I was not aware that I had previously set it up to have the full balance paid each month. On XX/XX/20 XXXX XXXX initiated a payment of the full credit card balance of {$19000.00} to Ally. At the time my checking account balance was {$3900.00}, with a reserve balance of {$10000.00} in my linked money market account. The combined balance of these two accounts of only {$14000.00}. Despite the shortfall of almost {$6000.00} Ally transferred {$10000.00} from my money market and paid the electronic debit, leaving my checking account overdrawn by {$5900.00}. Since Ally not only paid an item overdrawing my checking account, but depleted my savings account as well, I am left without any funds to pay any other items that come into my account between today and whenever I can get the situation straightened out. This could lead to a cascade of overdraft fees, as well as embarrassment. Additionally, since my money market savings account was also depleted, we are left no funds available for any day to day expenses. 

When I contacted Ally, they indicated all they could do was open an investigation and offered no explanation as to why they would pay an item that caused such a substantial overdraft to my account rather than returning it for insufficient funds. They said they were unable to provisionally credit my account while the payment is reversed, unless the investigation went beyond the 10 day period. 

I have contacted XXXX and requested that they reverse the payment. They have agreed to do so, but the process could take up to 2 weeks to be completed, so it will not undo the harm, frustration, and financial hardship caused by Ally paying an item that clearly should have been returned for insufficient funds.
Consumer complaint received 2020-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (MO)

I have an FHA insured Mortgage Loan serviced by Midland Mortgage, of Midfirst Bank. I went online to pay my " on time '' payment for XX/XX/2020, I am current and have not missed a payment in over 8 years or more. When I logged into their site my account had been entered into some program of theirs ... they " Midland '' applied. I did not sign up for anything nor was I asked or prompted about signing up to any programs at Midland. I called Midland Mortgage at the regular 800 number for customers to enquire about my account and situation. I was informed I was contacting a debt collector about a loan and any information provided is for the collection of that debt,,, a recording? I'm not in collections, or in arrears of any kind. The agent at Midland claimed I was. The agent was very protective, and playing games, being a smart aleck. I asked how I got into this collections program and he told me I had signed up for it in XX/XX/2020. I pressed him how this was possible and he changed his story ; he now claimed the " system '' did it, signed me up automatically. Without my permission or consent, because I was late on payments? He said that's right, it did it to every loan holder automatically. I challenged this claim by him and he got defensive and argumentative forcing me to ask for a supervisor, he had no intention of helping me and wanted to pick a fight instead ... I'm XXXX and XXXX, I told him this upfront. I had to have my wife finish the call for me with the supervisor, the agent at Midland caused my condition to escalate requiring medication ... he was that bilerant and unhelpful, taking advanatge of me and my condition. 

The supervisor told my wife the company would take me out of the program and send me a letter that I am not in collections and was removed, that my credit rating would not be affected by any of these moves initiated on my account by Midland.. 

We received no such letter and were once again bullied by the Loan Servicers agents, taking advantage of physical weaknesses exactly what " bullies '' do to people, cowardly acts of taking advantage of others using their illness against them as their tool? 

I was placed into collections by Midland Mortgage and entered automatically into their program without my consent or knowledge, I was not provided a heads up any warning, or any information about what they were doing or why. They promised to send a letter and failed. We made the phone call and stayed on it for a long time, we did not record our conversation.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MA)

As I logged in to the PayPal app, I noticed that there was a transaction that I didnt authorized, so I opened a dispute with PayPal so that the transaction can be cancelled. Today PayPal tells me that the transaction couldnt be covered or the way I see it that they cancelled it but that they cant provide me with a refund. I feel like this is fraud, I need that refund back into my PayPal credit account because there was not a transaction completed or neither did I receive any item for the money that they arent willing to refund me, this transaction was made and I believe is from XXXX. Please help me, I dont want to pay money that I do not owe. The amount is {$27.00} and it was made on XX/XX/2020.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX XXXX {$160.00} XXXX/XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$7400.00}