davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MA)

Discover closed my credit card account following a clear verification error. I was asked to submit a IRS Consent Form 4506-T, and additionally I voluntarily submitted the last three months of bank statements as supplementary materials to aid the verification. At no point was I told what Discover needed to verify. Given that I recently moved address, and that my income level changed this year owing to my wife getting her first job, I believe an error was made in the verification - neither of these pieces of information would have been reflected in my previous tax returns. After phoning Discover I was told that closing my account was a " business decision '' and no further actions could be taken - why can Discover not tell me what the verification issue was and provide me with an opportunity to provide the correct documentation? I have never missed a payment and until this incident had a very favorable opinion of Discover, but I can no longer recommend that others do business with a company that will just arbitrarily close your account.
Consumer complaint received 2018-10-03
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. (NY)

Hello I have information that does not belong to me. Please help. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and inquiry XXXX i contacted them they said i must pay it. i dont know what to di its not mines
Consumer complaint received 2021-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (MI)

On Thursday, XX/XX/XXXX I called my Federal student loan servicer Great Lakes Student Loans to lower my monthly payment while on Income Based Repayment. I had been paying {$53.00} prior to the pandemic and the Great Lakes Student Loans website confirmed that I would be paying {$53.00} after the pandemic. However, my daughter was born after this was assessed, so I called in to lower the rate by adding a dependent. 

When the agent calculated my new rate, she said it would be {$230.00}. She explained that my rate would be {$53.00} through XXXX of XXXX, but that adding another dependent would actually increase the rate and she couldn't account for the reason why. She consulted her supervisor, who advised that there was an error and my rate would be changed from {$53.00} to {$330.00}. I advised the agent that I did not consent to this change. I requested that she make sure the change was not made. She assured me that the change had not been made. 

Following this incident, I complained about Great Lakes Student Loans on XXXX, and their social media team intercepted me and offered to help. After exchanging some information, an agent called me on Friday, XX/XX/XXXX to confirm that the previous agent lied to me. The change from {$53.00} to {$330.00} was put through without my consent and when I was promised that it would not be put through, I was given false information. He offered to " lower '' my rate to {$230.00}, but did not address my actual issue.
Consumer complaint received 2021-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALCHRO INC. (FL)

XX/XX/2021 I discovered inaccuracies on my credit report so I sent a dispute letter, My Demand is hereby made for FIRST FED CREDIT & COL to either properly modify or delete the inaccurate, incomplete, and defamatory Item of Information.
Consumer complaint received 2019-05-31
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. (MI)

I have a fraudulent hard credit inquiry on my equifax credit report that needs to be removed. It is listed as : " XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL '' I do not, and have never, had any XXXX services, I am not anywhere near florida or ohio, and I did not at any time authorise a credit check by XXXX. I am unable to contact XXXX, there is no phone number listed on the report. I contacted equifax, but I was told to contact XXXX and dismissed.
Consumer complaint received 2020-11-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NJ)

Please be advised that I, XXXX XXXX have always believed that maintaining an excellent credit history is essential to survive in any economic environment. However, there are times when an individual may face certain health issues that effects ones ability to pay their bills on time, or if a hospital stat limits the ability to stay on top of their affairs. I personally over the past three years have faced several medical issues that caused me to be late on a few payments, be that credit cards or vehicle payments. There were times when I believe I was within the 30-day grace period. I have been perfect on my payment history for well over a year now. Accordingly, I am requesting a professional courtesy to delete the sole or few late payments on my account with your financial institution. You may do a light audit on payments which might prove that I was paying within the 30-day grace period, but I will defer to your professionalism on this matter. It truly has been a pleasure being a creditor with your organization, and I am thankful that you have placed your trust in my ability to pay my bills in a timely manner. 
XXXX XXXX
Consumer complaint received 2021-08-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NV)

My complaint is against the company '' CreditKarma " specifically about the " CreditKarmamoney Spend '' checking account and " CreditKarma money Save " savings account they offer to consumers, where I have made electronic deposits from my XXXX bank account, and this Company has been illegally freezing my deposits and will not allow me to put back my money into my XXXX  account or withdraw in any way. 

In XX/XX/2021, I have linked my XXXX bank account to the 2 CreditKarma bank accounts and deposited {$10.00} dollars into the Creditkarma checking account, and {$20.00} in the CreditKarma savings account. 

After I linked my XXXX Bank account and made the deposit, this Company froze my CreditKarma savings and checking accounts without informing me of anything, and will not allow me to get my money back.

They are illegally keeping my money, in fact stealing it since I can not withdraw my own money from these 2 accounts.

I contacted them several times by phone and by email.

No explanation was given as to why they froze my accounts.

When I called The credit karma call center to get a resolution ( from the accent of the agents I assume it is a call center located in XXXX  ) they asked me to email my documents to them, picture Id and bank statement AFTER taking my money from XXXX. 
I do not trust this Company whatsoever, and I am not going to send my personal documents to fraudsters. 

I reiterate, after I linked my XXXX bank account and made 2 deposits on Credit karma bank accounts, they froze my money.

I recorded the phone call with them, and they even admitted that they froze many other accounts.

They are keeping the money of consumers and making profits from the money of others.

I want to be able to withdraw my money that I deposited into these 2 Bank accounts that this Company is illegally keeping an hold of it.
Consumer complaint received 2022-01-06
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. (WA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC. (TX)

I opened a Jared account in XXXX, one purchase was made but no payments were ever made. The account was closed and charged off. It was then sold to XXXX XXXX XXXX XX/XX/XXXX. I have attempted to contact Jared and/or Sterling Jewelers via mail and phone through all identification available on credit reports and have received no contact back by mail and when I speak to someone on the phone they either can not pull my account up or are unable to give information and direct me to their mailing address. When I contacted XXXX XXXX  they responded that they had returned the debt back to the original creditor and any complaints should be handled directly with Jared. There is incorrect information being reported and then validated with the credit bureaus and I want the report removed as it has now reached beyond the seven year window to be reported. I have disputed multiple times and this company continues to validate that the information is correct.
Consumer complaint received 2019-03-10
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY (MD)

This could be filed as separate complaints, one is trying to get Wells Fargo to cooperate on repayment negotiation, second they have exceeded the agreed percentage rate and lastly they will not provide copies of the loan documents.

I have been calling, emailing for about 3 years to get Wells Fargo to cooperate with me. They are charging more than can afford being off and on unemployment twice in the last 3 years. My payments are over {$700.00} a month now. I have almost completely drained my retirement savings and have had to sell pretty much everything. I am making on time payments. Have not been late, and I did have the loan in deferment while on unemployment, but they will NOT reply to getting this loan rate lowered/adjusted and they can not provide me copies of signed documents. 
Originally this loan was setup not to exceed 8 % interest. It is now at 8.49 % and it goes up every other month. 
I can prove all of the information provided and have documentation and notes. 

Please help. I am XXXX and have no savings left to retire on. I am enslaved to Wells Fargo for {$74000.00}. It is as much as my mortgage. I need help and have no where else to turn. Thank you
Consumer complaint received 2019-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX, I was notified of a credit change due to a debt collector placing 2 derogatory marks in the amount of {$250.00} on my credit report. Upon review, I determined that IC System based in Minnesota was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in XXXX TX. Previous to the credit report change, I had never received any type of communication from either IC System or XXXX XXXX regarding my past due amount. On XX/XX/XXXX, I spoke with both companies and resolved the issue, finding out that the 2 marks were for the same overdue invoice from XX/XX/XXXX and that I only owed {$120.00}, however, I was required to pay {$250.00} to clear my account with IC System. I paid the overdue amount promptly, and on XX/XX/XXXX both derogatory marks were removed from my credit report on XX/XX/XXXX. I was refunded the overage amount of {$120.00} that IC System had charged me on XX/XX/XXXX. On XX/XX/XXXX, a new derogatory mark in the amount of {$110.00} was placed on my credit report by IC System. I called IC System but they could not explain why a new mark had been placed on my report and that I would have to take that up with the credit reporting agency. The credit reporting agency for all of this activity is XXXX.
Consumer complaint received 2019-04-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX, I received a Notice from the US Department of Treasury that a debt collector has filed an action to garnish my monthly Social Security payments ( {$500.00} monthly ) for debts they say that I owe. I attempted to contact the firm doing this, shown on the Notice as XXXX XXXX XXXX XXXX., of XXXX XXXX, MN. Calling them, a recorded message directed me to another firm, a collection agency called XXXX XXXX, of XXXX, IN. Calling them ( XX/XX/XXXX ), I went from a XXXX, to an XXXX, to an XXXX, to a XXXX. XXXX began by telling me my debt originated with WELLS FARGO ( a notoriously bad acting firm ) & totaled {$220000.00}. I gasped at the amount & then found out that it was an education loan. I DID take out Parent Plus loans years ago to allow my 2 sons to get through college. But I dont recall any of them being that high. 
I explained to XXXX that my 2 sons DID go through college on a number of my Parent Plus loans originated by their 2 colleges & funded by a number of banks & financial institutions. However, NEITHER of them are working now, & XXXX lives at home with me where I support him. XXXX is a XXXX XXXX   child with related medical bills not covered by insurance. I furthermore told him that my finances are beyond tight ; they are dire. Garnishing my Social Security would be disastrous ( I am XXXX years old, & also looking for work, but as many might understand, it is difficult to find employment or income at that age ), as savings are XXXX, & I only get a small pension from past employment. 
XXXX effectively ignored this, & said the law allows them to collect money for Wells by garnishing Social Security payments. He then tried to get me to consolidate these Wells Fargo loans with other education-indebtedness on the FAFSA system. The latter includes loans from other lenders that I could not identify. I noted that the subject loan, this Wells Fargo loan, was shown there at {$170000.00}, not {$220000.00}, which he tried to explain as beingfees & costs. I had some terrible experiences in trying to repay a number of these other loans in XXXX, those originating parties being US Department of Education & XXXX & others. The US DofE did garnish my Social Security in XXXX, causing disastrous hardships to me, including near bankruptcy & loss of home. They then abruptly stopped ( XXXX, I believe ), & even REFUNDED a months garnishment. 
All of this had no impact on XXXX, as he returned to the threat that they ( XXXX ) can garnish & hes powerless to stop this. He said it will start with the XXXX SS payment. 

Thank you, CFPB, for reading this far. I never thought Id be confronted with these dire & disastrous actions again. But here they are, & initiated by XXXX of the truly villainous repeat offenders of financial-service mischief & wrongdoing, the rich, huge monster called Wells Fargo & their collection agents.
Consumer complaint received 2019-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IN)

I have already filed one complaint with CFPB and it was closed with out resolution by this company. they are now REFUSING TO PAY THE TAXES WITH MONEY IN MY ESCROW, due to the fact I paid them to prevent my wages from being garnished. This is beyond deplorable behavior for a mortgage company to take advantage of a consumer this way!!! They need to pay the taxes on the parcel second piece of property asap!! i will be contacting an attorney tomorrow by noon if this has not been addressed with an appropriate response. I consider it to be theft and will pursue until paid.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

On XXXX XX/XX/2019 Statement I notice it said " Promotional Balance : {$530.00} no interest for 6 months.pmt req. I called Home Depot Customer Service and told them I didn't ask for or gave permission for the to put this offer onto my account and I want it off now. 
The supervisor XXXX stated " It's deferring the payments for 6 months, if you pay the balance in 6 months you pay not interest for purchases up and over {$290.00}. But if you don't pay within 6 months the add all the interest at the end of the 6 months and it all the same thing. I told her I rather have the interest included in my monthly payment and I didn't and don't want this Promotional Offer. She stated their is nothing they can do. Use another card if I don't want this option. 

Home Depot has and " Deferred Interest Promotional Offer '', they automatically put on your credit card without your permission. If you spend {$290.00} and over the interest deferred for 6 months. if you don't pay within 6 months they throw all that interest into your credit card payment at one time. I didn't ask for this offer I don't want this offer and I want it removed from my credit card account.
Consumer complaint received 2020-12-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: E*TRADE BANK (CA)

To whom it may concern, Earlier this year I opened an account with E-Trade which included a brokerage and IRA account, and added a monetary deposit. I was looking forward to managing my finances with E-Trade after I was unsatisfied with my previous broker. Within a few weeks, I was no longer able to access my account online, instead I got a message confirming this and for more information to call E-Trade. After calling, I was told E-Trade has decided to no longer do business with me, but would not give me the reason behind this decision. I called a few more times and still was not told why E-Trade decided to terminate my account. Additionally, I was never returned my initial deposit.
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I an enrolles with a company for family budget services to get my credit card payments reduced. The payment gets made but misses by a few days. Then XXXX XXXXXXXX XXXX puts me over the 30 days past due by hundreds in the month of XXXX and XXXX and is effecting my credit score. I've tried with family budget services, XXXX XXXX XXXX, and multiple credit reporting to dispute these past due amounts. These past due amounts are well over what was even due and is become extremely aggravating and XXXX  is not doing much to help.
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax ; Experian and Transunion should not be reporting a collection/chargeoff in the amount of {$7.00} on the BK OF XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in 2015. I contacted a customer service representative with XXXX  XXXX XXXX regarding this outstanding balance. I was never sent a bill nor did anyone ever contact me about any outstanding balance. I did not know that this account had gone to collections until I obtained my most recent copy of my credit report. This account needs to report a {$0.00} balance. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (FL)

Supplied XXXX, and Equifax credit bureaus with the Faxed, PAID IN FULL letter from XXXX   XXXX XXXX, I also spoke with reps from XXXX XXXX many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.
Consumer complaint received 2018-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

My account was closed due to one monthly bill payment that didn't clear my bank. I have made many on time payments and I do not understand what happened. No one can explain the situation and how a creditor can do this. Please advise. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX-XXXX
Consumer complaint received 2020-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

On XXXX of XXXX we had our XXXX XXXX XXXX repossessed however we were able to pay the past due amount and the repossession fee, everything totaling {$870.00}. However the loan company has been reporting that the car has been in repossession status ever since then. This has affected our ability to purchase a house and has had an adverse affect on our credit. The company in question is Westlake Financial. 

I also just noticed that they have on our payment history with the company that the car has been repossessed three different times. This too is inaccurate, since the car has only been repossessed twice.
Consumer complaint received 2020-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LoanCare, LLC (CA)

I refinanced a home loan from FHA to conventional. Loancare will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call Loancare because it's a total circus!
Consumer complaint received 2020-12-02
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: CITIBANK, N.A. (CA)

XX/XX/XXXX - two fraud transactions have been made on my account. Citi notified me and freeze the account. 
XX/XX/XXXX - I received my card replacement, however one of the fraud transactions still shows in my balance ( Home Depot - {$570.00} ). I notified customer service, and heard they are under investigation by fraud department. 
XXXX XXXX two weeks after the fraud transaction happened, the transaction still shows in my account. No notification or update regarding the investigation & next steps.