davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I've been having HELOC with Wells Fargo since I first bought my place in XXXX. I refinanced the HELOC with them again in XXXX. When XXXX XXXX county ordered the shutdown of non-essential businesses in mid XXXX of this year, I didn't know what was going to happen. All I knew was I had to temporarily close XXXX XXXX. I didn't know how long it was going to go on. So I asked Wells Fargo for help with the HELOC. They agreed to help so that I didn't have to pay for 3 months. During that time I've applied for PPP and other business grants that I planed to use to reopen XXXX XXXX in the HELOC account. In XXXX, when XXXX XXXX was not yet allowed to reopen and the 3-month period was ending, I called Wells Fargo again for help. They told me that the account will be restricted during this non-payment period and if I wanted to resume my account I had to just give them a call and start the normal payment and it would be resumed. 

But when the situation started to get better, I expected XXXX XXXX   would be allowed to reopen soon. I contacted Wells Fargo ( late  XXXX XXXX ) to resume payment and using the account to reopen XXXX XXXX. I was told that I would not have access to the money I put in the account during the non-payment. In order for me to have the access again, I would have to go through the underwriting process. There was never mention of me having to go through the underwriting process. Had I known that I would not have put all the money meant for reopening XXXX XXXX in this account. I would have done something else. I knew fully well that I would not qualify if I had to go through the underwriting process since XXXX XXXX was/is still new and we still have negative cash flow. I tried to contact the bank by going one of their branches. The person at the branch helped me open the ticket to their resolution team. At first I was told that it would be resolved by XX/XX/XXXX. Then I heard nothing from them. I called the person assigned to me at their resolution center but never got a hold of him nor did he ever called back. I got another letter saying they needed more time and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I still hadn't heard anything. So, I called again and spoke to another person. She took my contact information and had another representative call me back. When this new representative call me back, he told me that there was no guarantee that I would be able to access the money that I had put in ( {$99000.00} ) that I had planned to use to reopen XXXX XXXX. He said that even they didn't mention about the underwriting process, it was my fault to assume/misunderstanding. He said he would talk to his supervisor and would try to help me. But I feel like they are putting me around in circle. They didn't tell me that I had to go through the underwriting process. I was not fully informed and it is not fair. I need the money to pay my people now that my business is allowed to reopen.
Consumer complaint received 2020-04-25
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: LEXISNEXIS (OH)

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX XXXX XXXX SS XXXX my only address should be XXXX XXXX XXXX XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : 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 XXXXXXXX  # XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Today I logged into XXXX and downloaded all of my student loan information and found that my loan servicers are claiming I owe {$96000.00}. The max amount that I can owe in student loan debt doesnt exceed {$25000.00} before interest. Also, immediately after I withdrew from college I consolidated my student loan debt and applied for the income based repayment plan. However, I couldnt figure out why ( for years ) my credit reports keep showing that I am in default and several months behind in paying off my student loans. After reviewing my student loan file I found that either the college or the loan lenders have been falsifying my information and showing that I am still enrolled in college. I am showing student loan disbursements up to XXXX. However, as I stated, I withdrew from college in XXXX. Therefore, either the lenders or the college is taking money out in my name and leaving me to foot the bill. This issue is of a very serious nature and needs to be investigated. My credit has been ruined for years and I have been suffering undue hardship for reasons that are unethical and unjustifiable. I am homeless and have no car and I am struggling everyday because my credit has been destroyed. I need assistance regarding how to pursue this issue and what steps I need to take to seek relief from these damages
Consumer complaint received 2017-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I called XXXX and Equifax after receiving notification there were some changes made on my credit report. There almost XXXX inquiries that I do not recognize that are adversely affecting my report. I was told they could not be removed for XXXX years.
Consumer complaint received 2017-10-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OK)

Keep getting repeated calls, sometimes as many as five a day from this phone number. The message states they are XXXX XXXX. I 've had no dealings with this company. Please deal with this annoying bank and advise them to stop calling me. Thanks ...
Consumer complaint received 2020-04-25
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: Innovis (OH)

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX DOB XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : 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, US DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I have noticed an account displaying on my consumer report that is in violation of my rights as a federally protected consumer under Title 15 Chapter 41 ( Consumer Credit Protection ). Equifax is violating my rights displaying account : XXXX XXXX XXXX XXXX XXXX. I demand this account be removed from my credit report immediately. 

Pursuant to 15 USC 1681a ( 2 ), Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card, under 15 USC 1681, is the same as it is under 15 USC 1602 which states the term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card. The credit card used is my social security card. This is the credit card used to originate every consumer credit transaction on my consumer report. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) which details exclusions. As such this transaction is to be removed from my credit report. I am demanding that XXXX XXXX XXXX  XXXX XXXX be removed from my credit report immediately.
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

My recent balance on this card was of {$690.00}, today XXXX/XXXX/XXXX it was increased to {$710.00}. When I contacted the credit card company through email they replied by saying that I had a revolving charge of {$180.00} in my account and until I paid for that the interest were going to increase. I need to know what is this charge for because I pay more than the minimum.
Consumer complaint received 2017-10-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (PA)

They are attempting a scam. They call me every day 4 times a say about a JCPenny Credit card feom Syncrony Bank. I have never been a customer at a JC Penny. I have told them they have the wrong phone number but do not ask for anyone by name. They have called 4 times a day since XX/XX/XXXX. I want harrassment charges filed.
Consumer complaint received 2017-10-29
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: JPMORGAN CHASE & CO. (GA)

I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from Chase stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.
Consumer complaint received 2017-10-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX XXXX XXXX, JP Morgan Chase, and XXXX XXXX. 
In XXXX of XXXX, we agreed to a debt reconsolidation for a credit card from Chase Bank. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX XXXX XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a XXXX XXXX. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XXXX XXXX XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX, XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a XXXXtop Payment on all checks from XXXX XXXXXXXX XXXX. 
We consider XXXX XXXX XXXX XXXX to be primarily responsible for this issue. We are naming JP Morgan Chase because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX, initiated 3 hard inquiries on my equifax credit report without my authorization. The inquiries where improper and unnecessary. All three inquiries were done in less than 90 days. I contacted XXXX XXXX XXXX by phone and they told me they had no record of the inquiries. I also contacted them on writing, with no response. The inquiries were done on the following days. 
XXXX XXXX XXXX
Consumer complaint received 2016-02-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (NJ)

This company has call my cell phone and house every hour for long period of times. Sometimes the calls comes in every 1/2 hour or even a few minutes apart, all day long. I had paid this company and I am current at point. However, they are trying to throw out more fees and make me make more payments then I should. The customer service people are rude and nasty. They are mad with me because I will not give them any more bank information and provide them any more bank authorization to my account. However, I been making payments automatic with my bank account. This company has taken money from my account monthly and it is on my statement. They charge me late fees and other fees, that I can not understand when they been taking money all this time from me. When I do call them, they will claim they did not receive the payment and I tell them I have my statement in front of me. That clearly states they took money from me. After they harass me over the phone, become very rude and nasty, and I state I will file complaint because I have proof. Suddenly now they located my payment. However, the next day my payment is not there. 

They call my grandmother harassing her, asking her where I am at, my location, my number, etc. Demanding they tell her and scare her. They did not want to hang up with her. They gave her a number for me to call. However, they refuse to hang up. She stated I am not giving you any information about my grandson and hung up. She did provide the number that call her and stated why they was looking for me. 

They had call my family members about my account, and harass them. They call each one of my family members cell phones, including my little sister who is under XXXX. Telling 3rd parties I owe them money. Sometimes they will call my home way after XXXX eastern time. They are trying to get more money out of me then what I owe. They call from many different numbers and different people call from this company.
Consumer complaint received 2017-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BB&T CORPORATION (AL)

I have attempted for over a year to get BB & T Mortgage to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden mental breakdown on XXXX XXXX, XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a skilled XXXX facility and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's mental breakdown my son spoke with our local BB & T who granted an extension for XXXX XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX XXXX XXXX XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written BB & T several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local BB & T manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that BB & T has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XXXX thru XXXX XXXX. Your help will be appreciated.
Consumer complaint received 2022-10-03
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. (NJ)

The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of my rights under 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ; 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

1. On XX/XX/XXXX, ( aprox ) 2020 They ( " afni '' XXXX call me to tell me that I have a debt of {$57.00} whit cell company. XXXX XXXX XXXX I told them that I DON'T HAVE ANY SERVICE WITH THIS CELL COMPANY. 


2.They ( " afni '' ) still are trying to talk with me by phone, but I never answer they callings. 

3. On XX/XX/2020 I received a Collection Notice letter from " afni ''. 

I call to XXXX to ask them about this Notice, They ( XXXX  ) don't know nothing about that debt.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

* I received an email ( on XX/XX/XXXX ) from CitiBank that my account is closed due to 'Inactive for continuous 24 months as per the card agreement. ' * Last transaction was on XX/XX/XXXX ( {$75.00} XXXX and last payment activity was on XX/XX/XXXX ( 16 month ago ), less than 24 month per the card agreement but yet, CitiBank closed the account. CLEARLY, THERE'S A BIG GAP BETWEEN 24 MONTH AND 16 MONTH. 


XXXX CITIBANK ALSO FAILED TO PROVIDE NOTIFICATION/COMMUNICATION AND FAILED TO REACH OUT TO CUSTOMER PRIOR WRONGFUL ACCOUNT CLOSURE ( EVEN IF INACTIVITY DID NOT PASS 24 MONTH ) * Spoke ( XX/XX/XXXX ) to customer service ( XXXX ) ( XXXX ), could not assist, unprofessional, need additional coaching and training. I asked XXXX and XXXX, why Citibank closed my account although inactivity did not pass 24 month, neither could answer, but stated that Citibank has right to do so. I also asked XXXX to provide any communication sent out to me regarding account inactivity prior account was closed, but XXXX could not provide any proof. This is clearly a ABUSIVE BUSINESS PRACTICE of major bank where INTENTIONAL ACTION can be justified all the times, as if their right is being honored for any given situation and customers right 's are ignored, especially when America is going through COVID19 situation. I am sure that Citibank 's response will state that Citibank closed my account due to inactivity, stated in customer agreement, but fail to address the fact that regardless of inactivity going on for less than 24 month, Citibank closed my account anyhow. 


* In order to reopen the account, Citibank will pull my credit XXXX hard inquire as if I'm applying for new credit card ) and process. 


XXXX Citibank should not have closed my account since inactivity did not even come close to 24 month. 


XXXX The question is simple, on my account, did inactivity occurred passing, more than 24 month? If not, why did Citibank closed my account? Citibank should reopen my account per error made by Citibank. Wrongful account closure. I expect to see reasonable explanation from Citibank, rather than saying account was closed due to inactivity. Consumer Financial Protection Bureau should be actively involved in this case, asking Citibank a very question of why Citibank closed my account even if inactivity did not pass 24 month.