davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-13
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (PA)

I write in response to Wells Fargo 's reply to my complaint regarding my Wells Fargo application XXXX and CFPB Case No. XXXX. I consider the company 's response to my query very flimsy and good for nothing because they tried to cover up an unfair business practice of not catering to the needs of their valued and poor customers who entrust the safe keeping of their their meager financial resources in their care.
For instance, Wells Fargo 's response states : " When this application was processed no information was obtained from an outside source other than your credit history from XXXX. '' Nonetheless the company failed to inform the CFPB that over the years I improved my credit score and have the following scores with the three major credit bureaux in the country : XXXX ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ). That said, the company should have at least given me a chance with a credit line to show good faith in a valued customer but Wells Fargo as usual discouraged me and was unfair in its judgment.
Furthermore, I want to bring to your attention the flimsy excuse from Wells Fargo in the last paragraph of page one of its response to my previous complaint that reads : " Also, we are unable to speak for other financial institutions regarding their underwriting criteria ''.
The statement above speaks to the fact that Wells Fargo, unlike other financial institutions in the United States that are customer-centered, it lacks the capacity to give its striving customers a chance to improve their livelihood but is only an exploitative profiteering financial institution that sucks the blood of poor people to enrich themselves at the expense of their customers.
I assertively say this because other financial institutions ( like the XXXX XXXX XXXX XXXX, for instance ) are making genuine efforts and headways to create an enabling financial environment to improve the livelihood of their valued customers. Whereas, unfortunately, Wells Fargo is only interested in suppressing its customers. The fact that I have a personal and a business account and my wife has a personal account with Wells Fargo shows the level of commitment we have to this institution. Hence, to verify that they could not give us a single break of a {$5000.00} loan warrants the imposition of stringent financial fines on Wells Fargo for unfair business practices.
In view of the foregoing, I request that Wells Fargo be thoroughly investigated and fined for unfair business practice.
Sincerely, XXXX XXXX XXXX, Sr., Ed. D.
Unsatisfied Wells Fargo Customer
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX Equifax decided to randomly dropped my score by XXXX points. Alert I received for the change was that a remark was removed from a XXXX account. The remark removed was account previously in dispute- now resolved by data furnisher. This account was always a positive account, Im Trying to wrap my mind around how can a dispute remark whether added or removed, drops one score by so much?! What you guys have been doing to people and able to get away with is sickening and despicable!!! Im in the process of doing a mortgage, and this will impact the process. You dont dont just randomly drops someone score by so much and use a XXXX reason to doing so. XXXX points is a lot!!! Count your days, justice will prevail.
Consumer complaint received 2022-10-25
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)

My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from XXXX XXXX, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with XXXX XXXX was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.
Consumer complaint received 2023-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo has caused irreparable damage to my credit score. They misapplied payments, misrepresented fees/interest, and continuously mishandled my account with them. Everything started early 2020 and continued thru the next few years.
Consumer complaint received 2017-08-13
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: AES/PHEAA (LA)

I am filing this dispute against FedLoan due to the incorrect information that is being reported by XXXX and XXXX. They are both reporting that my account has a CURRENT STATUS of 120 days past due and is LATE. These 2 FEDLOAN accounts have a {$0.00} balance and they were Transferred/Sold in XX/2016, they should not show a CURRENT STATUS of being 120 days past due that should only reflect on my payment history section not as the CURRENT STATUS of my account. I have disputed this information constantly with XXXX and XXXX and I have received dispute results stating that FEDLOAN verified that the information is reporting correctly. I have attached copies of my FICO CREDIT REPORTS showing that my accounts are reporting inaccurately and this is affecting the accuracy of my credit scores. I am requesting that FEDLOAN send notice to XXXX and XXXX  to update and report my information correctly with a {$0.00} balance and stating that the STATUS should be TRANSFERRED/SOLD since XX/2016.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Cadence Bank (LA)

XX/XX/18 bank charged {$36.00} fee for a {$27.00} approved charge to come in that day. They charged the {$36.00} fee after I made my deposit. I called customer service and got a couple of different stories, then they transferred me to the bank and I got another story. As of around XXXX on XX/XX/18 there was no pending {$27.00} charge. On XX/XX/18 I pulled up my account and there was the approved pending {$27.00} charge. I went to the bank after XXXX on XX/XX/18 to cover the charge. The bank is using discriminatory practices to gain financially on consumers because if the approved charge for {$27.00} was actually on my account XX/XX/18 it would have shown pending online as it does today and my deposit would have covered it. Instead, it was never pending and they chose to assess a {$36.00} fee.Other banks have been fined and had to refund charges for these types of discriminatory practices in the past and have paid high penalties. BancorpSouth was fined over $ 10M earlier this year for other discriminatory practices and I guess they atrying to recoup the money using another discriminatory practice.
Consumer complaint received 2022-12-29
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. (IL)

I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-02-23
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)

You are in violation of federal law under the Fair Credit Reporting Act. Under FCRA 15 USC 1681b-Permissible Purposes of Consumer Reports ( a ) IN GENERAL. 

Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave you any written instruction to furnish a consumer report, No content is identity theft. A copy of the identity theft report as marked Exhibit A attached. 
Furthermore you violated 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). I was not treated fairy and these unfair credit reporting methods undermine my confidence as a consumer which is essential to the banking system and the banking system is dependent upon fair and accurate credit reporting. My reputation, character, credit standing, credit capacity and credit worthiness I have not been able to obtain credit, insurance, employment or housing as well as suffered from mental anguish, stress, XXXX and marital problems. 
You have prevented me from extending credit and stopped by livelihood by violating my rights to consent and privacy.

Fairness, impartiality and a respect for my right to privacy was not extended to me. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

You furnished a consumer report without my written instructions and furnished information that was not fair nor equitable to me. You furnished alleged debts owed without validation and had no regard for confidentiality by making vital information public. 

An attachment labeled Exhibit A as proof is attached.
Consumer complaint received 2022-08-24
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. (FL)

On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (PA)

I tried approximately 20 different times to get in contact with " SELF '' Numerous Failed Log in Attempts on their website, via Numerous Phone calls ( up to 1 hour on hold multiple times ) Several Emails, Several Attempts to " CHAT '' with their representative on line and I was unable to contact them. I was trying to update my credit card on file to make a payment ON TIME because my other card ( that was set up on my " SELF AUTO PAY '' ) had been lost or stolen. I had tried to update this cared WELL BEFORE THE PAYMENT WAS DUE, OR WOULD BECOME LATE. 

The fact is they reported a 30 day late payment on my credit history ( meanwhile they are supposed to be a " Credit Building Institution '' ) That is what they advertise themselves as. Now my credit has dropped by about XXXX Points on average on all three bureaus as the result of this FRAUDULENTLY REPORTED LATE PAYMENT! 

I was finally able to get through to a " Self Representative '' about a month ago, ( after the late fee had evidently been posted on my credit report ) and explained the situation in detail to one of their representatives on the phone. He explained to me there was nothing he could do about it. I have since then tried to get in touch with a " Supervisor '' at " SELF '' via numerous phone calls and have been promised " a return phone call within 1 -2 business days '', 3 different times now, but they never call back. 

THIS 30 DAY LATE IS NOT A FAIR OR TRUE REPRESENTATION OF MY CREDIT, OR MY PAYMENT HISTORY, AS THE SELF WEBSITE WAS DIS-FUNCTIONAL AND SO WAS THERE " CUSTOMER SERVICE ''. I MADE EVERY ATTEMPT WITHIN MY ABILITY TO MAKE THE PAYENT ON TIME, BUT IT WAS NOT POSSIBLE DUE TO THEIR NEGLIGENCE.
Consumer complaint received 2022-10-25
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

Due to hardship I had to modify my VA loan with Rocket Mortgage in XX/XX/2022. The VA recently returned paperwork to Rocket Mortgage indicating incomplete paperwork work sent. Paying my mortgage as agreed by modification of XX/XX/2022 payments have not been applied to loan because VA did not agree to modification. In XXXX I reached out to another lender to consolidate my debts and mortgage. XXXX refuses to show I am current of monthly payments and exact payoff to new lender. Going forward with new lenders agreement I was in closing procedures skipping XXXX and XXXX 's mortgage payments. At first all was a go with Rocket Mortgage, then we here nothing has been approved since XX/XX/2022. In order to get a current status from XXXX I must pay XXXX mortgage which I do not have. Plus if matter is not corrected immediately I lose the opportunity to consolidate my debts with new lender and monthly mortgage payments will be in default. I and the new lender have called Rocket Mortgage numerous of times and each representative gives us a different solution. This has totally place me in a hardship situation ... HELP!
Consumer complaint received 2018-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

In XXXX of XXXX, I experienced a mXXXX XXXX XXXX and lost a great deal of our family income. I contacted my mortgage provider to see if they could offer assistance. They shown do interest of assisting me in any way until I contacted HUD, who referred me to an authoring counselor who contacted my mortgage provider. I was then contacted by my mortgage provider on XX/XX/XXXX to complete a loan modification application. For 3 months I called to check the status of my application, but was always told that the underwriter was working on it. On XX/XX/XXXX, I received a letter in the mail stating my application was denied. The letter didn't clearly explain why, so I called but unable to reach my Loan Preservation Specialist. I then filed an appeal, citing the lack of due diligence given to my application and the fact that I have only been in contact with my Loan Preservation Specialist once in 4 months. I only provided proof of additional family, which included my wife 's income and XXXX benefit income from my XXXX son that we care for. After call daily to speak with a representative, I received another mailed letter on XX/XX/XXXX denying my appeal. I then went to my local branch of mortgage company and spoke with some that I enter ask with often. After explaining my situation, I was told off the record that since I have a large amount of equity in my house, the bank would make more money off my house if they foreclosed. I have been in my home for 10 years and don't want to loss it. I XXXX for a XXXX XXXX year old that would be place in a grave position. I have the income to resume my mortgage payment, I just needs a way to regroup the arearage.
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

Best Buy Credit Card Purchased an item XX/XX/15 for {$780.00}. On the purchase screen I was asked if If would like " 5 % rewards back '' or " 18 months no interest ''. I chose " 18 months no interest ''. I received a bill this month with {$410.00} in DEFERRED interest charges. The screen never said DEFERRED. It said " NO ''. Biggest scam I have ever seen in my life. They purposely worded it to misleading. They are running a SCAM.
Consumer complaint received 2018-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (PA)

I am the cosigner on my son 's college loans. We were able to pay off all of his loans after receiving a lump sum of money. I used the repay links on the XXXX XXXX website, and it looked like they went through but the loans were not paid by my bank. I made several phone calls to XXXX XXXX who first told me the bank was declining payment. The bank ( XXXX ) claimed that they had not received any information or attempts from XXXX XXXX, which turned out to be true ... at that point ( a week after the first attempted payment ) XXXX XXXX told me it was because the amount was over $ 100K when all 4 loans were totalled. At that point, I tried to submit each repayment separately. This still didn't work so 2 days later I called again. This time the XXXX XXXX rep submitted 2 repayment requests at the same time that I submitted all of them ... and all 6 went through, for an overpayment of $ XXXX. I called to try to get it reversed and they said they could send me a check in 10 days. When I insisted that they were at least partially at fault, they said they could reverse the charges in 5 days. I waited 6 business days and " chatted '' with their customer service online again to see why I still had not received the money ... they told me XXXX today, XX/XX/XXXX, 2 weeks after my initial attempt to repay the loan ) that because the amount was so large it had to be approved by a " director '' and that would take an additional 10 days. They said they would not pay interest despite holding my money for what will now be close to 4 weeks. This is causing me completely unnecessary and inappropriate hardship and expense, is due to their complete failure of any proactive communication, and I suspect is a illegal. Please help me.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Hello, I recently opened up accounts with Chase bank ( I just got married and that's my wife 's bank ). If I deposited XXXX XXXX into a new savings account and set up direct deposit with a new checking account within 30 days, I'd receive XXXX dollars based on a promotion that was mailed to me. When I went to redeem my money, they denied me saying I didn't redeem their coupon within 10 days. When I filed a complaint, their complaint department denied me saying I didn't redeem the coupon within 21 days ( it took over a week of phone tag to finally get them to talk to me about this ). The issue I have is that nowhere on their letter ( I checked the fine print with their bankers ) does it mention this 10 or 21 day time frame. When I told their complaints department, they said I was advised to go in before this 21 day time frame, I wasn't, and she told me there was nothing she could do. I asked them to just show me how I was supposed to know this and I'll accept my mistake, but not a single employee could find it. They could only apologize. I know based on what one of their bankers told me that I'm not the first person they've denied. Chase is offering free money to people like me who really need it to survive, creating restrictions only they know, and just saying sorry but we can't help. This is unfair and I think the public should be made aware of this. I can send you a photo of this letter if you'd like. Thank you for your time to read this, and I really hope to hear back from you. 

Best, XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

I made several attempts with representatives of JPMCB account # starting with XXXX XXXX XXXX XXXX XXXX, DE XXXX Ph # XXXX, Over the phone the agreed amount was XXXX, and a settlement letter in writing would be arriving soon. They stated they sent out the letter several times in the pass 2 months However, I never received it. So, I went to the local branch and had agent XXXX call them to confirm the agreement they did and instructed him to collect the money and later report to the three credit bureaus that the account was paid in full. When I checked rep stated no payment had been posted.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XXXX I deposited a check of {$6100.00} from my school. Chase bank immediately put a hold on my check until XXXX so they can confirm it. On the XXXX of XXXX I tried to use my card and it came up as suspected fraud. I went into my nearest branch to see what the issue was and they informed me that they suspended my account due to not being able to confirm with the " maker of the check ''. They also informed me that a letter from my school would clear it up. I then went to my school and spoke to the business office manager. He gave me the letter stating that I was awarded the money for school funding and attached his contact information as well. I went back into Chase with the letter they needed. The teller faxed over the letter and told me to check back in with them the next day. The following day I called the customer service line that deals with fraud and they never received a fax. I then go into Chase and ash the woman at the counter for help and explain my situation. She tries to help with no success. The fraud department then tells her that the only way I can get my funding is if the sender cancels the check and issues a new one. I informed my school of the news and they tried to do just that unfortunately the funds have already been taken so they could not cancel the check. On XXXX I went into the branch to see if any news on my account and Chase had permanently closed it. I don't know what else to do at this point.