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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX When all bills are paid on time my score never increase XXXX points and when late they decrease XXXX points why? XXXX XXXX card XX/XX/XXXX phone XXXX I did not request a credit card in m name and a police report is on file. XXXX XXXX phone XXXX XXXX XXXX XXXX A credit card was issued in my name to a difference address and charges was made A police report is on file because I did not request this card.XX/XX/XXXX. XXXX 's was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX was paid XX/XX/XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX was paid XX/XX/XXXX All educational student loans are paid
Consumer complaint received 2023-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

On XX/XX/XXXX XXXX XXXX reported a late payment on my account that they indicated was only 3 days late. But shows us 30 days late. My real concern is that I'm being discriminated against because I'm XXXX. And two years this is the first late payment that I have had on my credit report. My score was XXXX. Now it's XXXX. That is a tremendous decline in my score for just one late payment. I feel it was totally discriminatory and this would not have occurred to anyone else who was XXXX. I can not get an explanation as to why other than the system that's called XXXX score XXXX determines what my score will be. It took quite some time for me to get a score as high as I'd hand which was XXXX for it to suddenly decline to a XXXX. This should be a better way of informing a person why your score is affected so dramatically with no explanation other than blaming it on the computer system that they authorized. I think this is a direct violation to the US equal credit Act. Has been well documented at these practices have been done for quite some time when it comes to credit for XXXX XXXX  versus others. I'm hoping that you can help me in trying to resolve this issue with all three credit bureaus. I work very hard to establish my credit for it to be damaged so harshly with no cost. Once again I've only missed one payment in 2 years and my score drop close to XXXX  points. I can see no justification for this action by the credit bureau. Please help me resolve this issue so hopefully it will not happen to other people. 

Thank you in advance for your assistance
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (NE)

I was charged service fees for checking accounts. I also had accounts opened that I did not request. In addition I would make purchases and they show up on my online banking then they would disappear showing that amount added back to my account then days later it would reappear and the charges would debit, sometimes this would create me making double payment thinking i had not already made the payment causing over draft fees sometimes.
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. (TX)

I'm sending this letter to have inaccurate information deleted that's reporting to Equifax, XXXX and XXXX. I've tried to have XXXX Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX
Consumer complaint received 2022-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SECURITY FINANCE CORP (TX)

On XX/XX/XXXX XXXX received and accepted through certified mail a dispute for the following account : ( XXXX XXXX, ACCOUNT # XXXX ). XXXX did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, XXXX failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Consumer complaint received 2017-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IL)

Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.
Consumer complaint received 2019-02-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

Calls are way too frequent and collector refused to hang up when asked not record and didnt hang up after cease and desist demands. They called another number of mine without my permission. I called before and basically was accused of faudeltly obtaining the account I wanted to pay with. Very demanding tones and refusing to listen to my situation. Why call and say we can work something out if they demand money first and then they will listen. It feels like harassment.
Consumer complaint received 2022-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (PA)

I attended XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX. XXXX XXXX XXXX closed in XX/XX/XXXX. Any student who wanted to further their education wasn't able to due to colleges not accepting credits from this school. XXXX XXXX XXXX was involved in a lawsuit similar to XXXX and other technical school. In XXXX, XXXX XXXX XXXX reached a settlement with Attorney General XXXX XXXX for {$200000.00}. This followed a 2-year investigation into the school 's practices and communications related to student loans, job placement and the ability to transfer credits. The students who attended this school are still struggling to pay their student loans despite the settlement. The students were left with high cost loans, no help with job placement and no credit transfers. Students who attended XXXX XXXX XXXX deserve the same relief as students who attended XXXX and the University XXXX  XXXX. 

Navient has been misleading. Everytime I've not been able to make a payment a deferment was placed on my account without my permission. My income driven payments were not income driven. I always had to pay the same amount whether I was on the program or not. Due to their negligence in reporting my delinquencies, I was not able to get my loans forgiven. Navient has not been able to help me lower my monthly payments and do not consider other factors that may contribute to you needing to do so. Instead, their suggestions would make it more difficult for borrowers.
Consumer complaint received 2018-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

The balance at the time of the initiation of my loans on XX/XX/02 is XXXX and XXXX. At present time the balance is even higher than when I took the loans out:XXXX and XXXX. I don't know how this can be possible. The total payments made on both loans is approximately in the {$35000.00} range. I have never been delinquent on these loans and they will never come close to being paid off, ever. I have tried to work with Navient regarding setting up payment plans, with no avail. I desperately need some assistance investigating this matter. I believe I am being charged an unfair amount of interest on these loans, while an insignificant amount of my payments made were applied to the principal.
Consumer complaint received 2018-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

My mortgage loan is currently serviced by Chase Bank. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due of {$8300.00} so they can strip the equity away from the property. The P & I payments on the property are {$260.00} and eight payments are past due, so {$8300.00} alleged past due amount is grossly padded. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting. Since HUD is unaware of the modification request, they are clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Chase Bank is obligated to process the loan modification with transparency. Chase Bank has  refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XXXX. Chase Bank claims I was served with a foreclosure summons on XXXX, which is impossible since I was in XXXX at that time. Chase Bank never offered formal mediation per IN 32-30-10.5, which is the state law. Based on the violations listed herein, I am seeking your assistance on this matter.
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: SUNTRUST BANKS, INC. (ME)

My name is XXXX XXXX and I can be reached at XXXX. My email address is XXXX. I am doing business with a real estate broker named XXXX XXXX of XXXX XXXX XXXX. XXXX  is representing SunTrust, a bank selling foreclosed properties. The subject property is XXXX XXXX XXXX, XXXX, ME. Two months ago I signed a contract to purchase the property for {$72000.00} which is approximately {$30000.00} over the asking price. To date we have not received a signed contract, and on XX/XX/2018 we signed a second contract at The request off SunTrust. XXXX XXXX is very cooperative and she is available at XXXX, or by email XXXX. 

Note : My title company a.k.a. XXXX XXXX in XXXX, ME, and my funding source, a self-directed IRA managed by XXXX XXXX XXXX are both prepared to fund and close the transaction. They are also very frustrated with the seller. 

SunTrust mortgage, XXXX XXXX XXXX, XXXX, VA XXXX On the contract they reference a loan number XXXX. 

XXXX XXXX believes they are servicing this matter from an office in Colorado.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Consumer complaint received 2018-11-30
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. (GA)

I submitted disputes to Equifax in reference to fraudulent accounts on my credit file and incorrect address on my credit file.This has been an ongoing process to clear my name and credit file of the incorrect and fraudulent information and accounts. All I ever receive is that my dispute has been completed but the fraudulent and incorrect information remains. I have submitted numerous disputes, identity theft forms and police report. This has been going on for over a year now and I am beyond exhausted. There is an incorrect address appearing of XXXX XXXX XXXX XXXX, XXXX, GA XXXX that need s to be deleted. There are also several accounts that I have requested be blocked and deleted that were opened fraudulently. They are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, 2 XXXX XXXX XXXX accounts and XXXX XXXX.
Consumer complaint received 2022-08-24
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX ( XXXX ), Account # XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX FST Premier has all violated my rights.

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 a account without my written instructions
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

In XXXX, my company had several bank checks stolen from the XXXX XXXX XXXX. Three of those checks were cashed by someone at a Wells Fargo Branch somewhere in XXXX XXXX. The total of the cashed checks were around $ XXXX. The checks were written to major corporations and had bad endorsements and one had no endorsement. Obviously, Wells Fargo is at fault for cashing the checks without proper identification or verification. Wells Fargo has yet to reimburse us for the theft.We are currently working with our bank, XXXX XXXX XXXX XXXX, to get reimbursed, but apparently Wells Fargo is not responding. I dont know how a {$32000.00} check to XXXXXXXX XXXX  could be cashed by an individual without verifying the identity of the person presenting the check, let alone cashing a check made to a corporation. Obviously, there are serious compliance and XXXX issues at this Wells Fargo Branch.

I have submitted all the evidence and requested documents to my bank several months ago. My bank forwarded all the documents to Wells Fargo accordingly.tg
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX, I was contracted by a fraudulent person impersonating my friend on XXXX. The imposter requested {$1800.00} from me to be XXXX to his/her account. The imposter hacked my friends account and was able to pose as her ( same phone number, profile picture etc ) through XXXX. Unbeknownst to me, I assumed it was my friend and sent the money from my checking account with Wellsfargo to the email address given to me by the fraudulent person. Shortly after, my friend contacted me to let me know her XXXX account had been hacked and someone was posing as her. I immediately called Wellsfargo and opened up a ticket with the fraud department. I was told to give them 10 business days to rectify the situation. I did not hear back from my bank, so I decided to call them today, XX/XX/XXXX as today is the XXXX business day. During the phone call with the online banker, I was told that they tried to reach out to the bank that received my funds on XX/XX/XXXX to request the funds be returned and they have not heard anything back. They closed the case and said there is nothing they can do to further assist me.
Consumer complaint received 2022-12-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I sent a letter to : Home Mortgage Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX, IA XXXX TO WHOM MAY CONCERN : I am writing you this letter because I would like to request a copy of the mortgage contract binding both parties by certified mail. Also could you please attach the validation of the debt and a signed invoice. 

Thank you for giving this matter your immediate time and attention. If there is anything further needed from me, please contact me by mail and confirm all communications in writing. 

... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
Wells Fargo sent this letter to XXXX XXXX, Executive Office Case Specialist WF, and he sent some paperwork where he didn't attached the copy of the mortgage contract binding both parties and signed invoice. 

XX/XX/2022 I sent this letter to XXXX XXXX. 

Dear XXXX XXXX : I have sent several letters stating to keep all communication in writing, I would like to keep all correspondence in writing for evidence purposes. 

The paperwork you sent has only my signature in there, and for a contract to be legally binding it must be between two different parties, the contract has no signature for the second party ; which is why I brought it into question. 

Since you are stating that the debt has been verified, I would like a copy of the accounting showing the origination of the debt. 

Ive been led to believe that banks can not loan out their money but can only buy security interest, so if that is true, then who originally funded the loan? 

Thank you for reaching out to me, it is very much appreciated. 
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

As you can see, I written down to contact me by mail and confirm all communications in writing, but they keep harassing me with the calls and XXXX XXXX keep calling leaving messages to please call him back. Also, I have been getting phone calls from different representative from Wells Fargo Home Mortgage. 

On XX/XX/XXXX, XXXX XXXX Executive Office Case Specialist/Enterprise Complaints Management office XXXX sent a letter responding : We've completed our review of your request for documentation and information. We've determined the items you requested are considered confidential, privileged and/or proprietary information of Wells Fargo XXXX For this reason, we're unable to provide the documents and information requested. 

I would like to know why any information regarding this account, its information that I don't need to know ; seen as the account is mine and all my information has been giving to Wells Fargo. 

I would also like to know why Wells Fargo sent somebody to my house to put a vacant slip, when I still live here with my family and I have not received any letter regarding that action ( vacancy or foreclosure ) nor we haven't gone to court regarding this.
Consumer complaint received 2017-08-13
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: Clarity Services (NC)

I have been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX I have been trouble with Equifax updating my address. I have been able to address this issue with XXXX and XXXX and my address was updated no problem.
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

On XX/XX/2018 I contacted an individual about getting concert tickets off of an ad. This individual seemed to be real and was willing to do a transfer of tickets through XXXX. I sent him {$100.00} for the ticket, he then blocked my number and avoided all texts coming in. I reached out to my bank, PNC, because this transfer was through XXXX but with my bank. You reached out to my bank, twice, and was told a dispute is being out in for this fraud. I called my bank an hour after the transfer, there is no way this money should have been taken out of my account and sent within that time period, are there no fraud preventative measures in place? Currently Im waiting for my bank to respond to the dispute. This was fraud and scam and I would like my money back. They would be able to track where they sent it.
Consumer complaint received 2018-11-30
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. (GA)

I have 17 closed accounts with XXXX XXXX that are erroneous in the information that is being reported to all 3 major credit bureaus. I have attempted to dispute directly with XXXX as well as the credit bureaus ; however, XXXX only updated the terms of my loan and not the late payments that are being reported. They are required to report correct information, and late payments that are being reported were covered by a retroactive forbearance from XX/XX/XXXX - XX/XX/XXXX. There is no way I can have a 120-day late payment in XXXX if XXXX and XXXX are currently reporting as OK/on-time. There is also no way I can have 90 day late in XXXX when all previous months out of a 4-year period ( dating back to XX/XX/XXXX ) are OK/on-time or no activity reported. According to the XXXX website, the forbearance definition is as follows : " Deferments and forbearances allow you to temporarily postpone your monthly payments under certain circumstances. '' The retroactive forbearance is put in place to postpone payments ; therefore, no payment activity should be reported for that period. The late payments for XXXX and XXXX, 90-day and 120-day respectively, are incorrect and are severely damaging my credit reporting with all 3 bureaus. This issue is preventing me from obtaining financing for auto and home purchases. Please resolve this issue as soon as possible.
Consumer complaint received 2017-08-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (GA)

Between XX/XX/XXXX Thur XX/XX/XXXX made 9 different payments to bestbuy credit card in the amount of XXXX towards an 18 month no interest account. Each payment were made by check, noted on check 18 month account. In addition to these payments, the minimum payment were sent every month. Durning the year additional payments were sent to Best Buy credit card account. Any extra payment sent, nothing was applied to this account. XX/XX/XXXX statement shows XXXX interest charged to my account.