davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-16
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: STATE FARM BANK, FSB (FL)

I have two inquires from STATE FARM BANK ( Inquiry : XXXX XXXX, XXXX ) and XXXX ( inquiry : XXXX XXXX, XXXX ) I am not liable for and its showing up on my credit report.
Consumer complaint received 2018-01-16
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: SYNCHRONY FINANCIAL (VA)

I received a call from customer service at TJX Rewards Card/XXXX XXXX to confirm some charges on my account, and after speaking with him I realized there were quite a few fraudulent charges on my account, and he removed the charges and issued another credit card to me. I also had to submit a fraud claim and the fraud claim was denied as the bank said I benefitted from the charges, which is not true. I wrote the company a couple of times. I requested back up of these charges because I wanted to check the signature. The signatures do not match. Coincidentally, a fraudulent credit card ring was captured in my area not too long after the charges were made and they were housed in the area in which some of the charges were made. I 've closed the account and I wish to pay XXXX XXXX for the charges that I made, not these fraudulent charges. I have quite a few credit card accounts, and have no reason to make fraudulent charges. I would like the fraudulent charges removed from account as well as interest associated with those charges. I would like to know what my final bill is and pay it off immediately.
Consumer complaint received 2021-03-24
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. (WI)

I have been disputing and sending all letters to all 3 bureaus on inaccurate and erroneous information listed on my credit. I have sent in identity theft affidavits and everything to prove and show that I WAS IN XXXX when these cards were opened. I want the XXXX  XXXX XXXX, XXXX  XXXX, XXXX/XXXX, XXXX XXXX ( WENT TO COURT AND THE COURT DISMISSED THESE DEBTS AGAINST ME HOW ARE YOU STILL REPORTING THEM ON MY CREDIT!! ), a bankruptcy as well that they have refused to show me any signed documentation on and I pointed out at least 5 inaccuracies on the listing of it, and XXXX DEPT ED ( a debt that was granted forgiveness prior to me going to XXXX  ) REMOVED FROM MY REPORTS. If this does not happen I will file ANOTHER lawsuit against all 3 bureaus WITH a lawyer this time. This is my final attempt to resolve this before I move forward with filing a class action lawsuit. I was told they have my affidavit by a tier 2 manager but their company policies allows them to not accept them. HOW CAN YOU JUST REFUSE TO ACCEPT A LEGAL IDENTITY THEFT AFFIDAVIT? They need to immediately remove this stuff from my credit report. XXXX XXXX, XXXX XXXX XXXX, the two XXXX  XXXX accounts, XXXX  account, XXXX/XXXX  and the bankruptcy need to be removed immediately for ID theft, false reporting, inaccurate reporting, and FCRA violations.
Consumer complaint received 2023-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (OK)

My husband and myself went into default on our home and it went into foreclosure status. We called our mortgage company and asked what It would take to bring our home loan current and to reinstate it. We wanted everything, the late fees, all of it. They sent me a letter with the exact amount to get us caught up through XXXX of XXXX. We paid it to Selene Finance at the emd of XX/XX/. We had a receipt for that amount. We recently got our mortgage statement in the mail, and tacked on to our regular mortgage payment was an extertainius fee for {$2600.00}. I called them and asked what was going on, because that shouldn't be on there and the person could not get a supervisor to talk to me all she said she could do was give us me a list of the breakdown of the fees. I said there is no way I'm paying these fees since you all already gave me a reinstatement letter, and we paid it.
Consumer complaint received 2023-01-09
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. (NV)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

I transferred XXXX on the XXXX XXXX 2017 to coinbase and the money is still not showing in their account. 
I made a SEPA international bank transfer, I 've spoke to my bank XXXX XXXX and they confirmed my payment reached their account.
Consumer complaint received 2018-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (MD)

XXXX refuses to work with me when I call with difficulties and try to adjust payment dates and amounts. They will give me additional time over the phone, but still send me certified mail about a repossession before the agreed upon time.
Consumer complaint received 2022-12-19
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: AES/PHEAA (AZ)

On XX/XX/XXXX I received a call from XXXX which is AES ( student loans ). The rep was looking for my spouse and I advised he was not available and that i was his spouse and asked to have my number put on the Do Not Call list. The rep became very irate and mad and said no. I then advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know that she is required to put me on the XXXX list when asked. She continued to harass me and speak over me which made me very frustrated and upset and I cried. She said stated that she was asking me simple questions and I was not understanding her and she was still raising her voice and sounding mad and annoyed. I then asked to speak to her manager/lead/senior and she refused. I asked if she was refusing to put my number on the XXXX list and she hung up on me. I am so frustrated and distraught at how I was treated. I know a large company like AES must have a way to put my number on the XXXX list and not be treated horribly. I then collected myself after being yelled at and crying and called the same number back and spent XXXX mins on the phone with another rep and explained my situation and she took notes and notated my husbands account but also advised that she was unable to put my phone number on a XXXX list because she did not have an account to do so with ( i was and am still confused by this ) and that my husband would need to call back. I am not obligated to his student loan in any way shape or form and he obtained the debt prior to us getting married so i do not know why they are calling me unless they are skip tracing. There is no way that my number could not be added to a XXXX list. I then also asked if I could submit a formal complaint and she said no, because her system does not allow her to do so. We left it as her notating the account, even though she said that she was not able to locate an account, and that she was not able to put my number on the XXXX list or file a formal complaint and that my husband would need to call back by XXXX XXXX  to talk further and take my number off his account. 

XX/XX/XXXX at XXXX XXXX AES XXXX again after speaking with them on XX/XX/XXXX. Asked for a manager and XXXX put me on a hold to get to a manager. I asked if they had read the notes and that this number should be on the Do Not Call list. She said she would put the number on the list today and submit a complaint after the call ended. I want restitution for being harassed by AES and them not following directions. This is absolutely unacceptable!
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB, My Name is XXXX XXXX XXXX XXXX of XXXX XXXX XXXX and XXXX XXXX XXXX unfortunately both deceased. 

I am complaining about JP Morgan Chase Bank, filing an illegal foreclosure and eviciting me from my parents home on XXXX/XXXX/XXXX, Fact on XXXX my father passed away XXXX XXXX XXXX, Fact on XXXX XXXX, My Mother Passed away XXXX XXXX XXXX XXXX Fact I lived with my parents my whole life at XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX On or about XXXX/XXXX/XXXX JP Morgan Chase Bank filed a fraudulent foreclosure action against my Mother XXXX XXXX XXXX deceased which is legally impossible to do, suing a dead person is a legal nullity, facts they and their attorneys XXXX and XXXX XXXX was awarded a Judgement of Foreclosure and Sale by a Judge who was bribed, they can not sue a dead person it is legally impossible, XXXX and XXXX XXXX XXXX did not have standing to sue because they are an LLC and forbidden under the Illinois Attorney Act.. The Court did not have jurisdiction to hear the case because it was a ( Probate Matter ). Fact the obligation was paid to JP Morgan Chase Bank on or about XXXX. I am demanding that JP Morgan Chase Bank be prosecuted for fraud and destroying all of my personal property. They violated the XXXX XXXX XXXX. They did not enclose payment history to prove that the mortgage was paid off in the Foreclosure Case 13-CH-136 as required by Illinois Supreme Court Rules Specifically Supreme Court Rule 113. They did not disclose payment history because they took advantage of my parents USURY and the illegal foreclosure. They have bribe the Clerk Of the Circuit Court they can not administer estates. I have asked their attorneys XXXX And XXXX numerous times to validate the debt and they refused. Suing a dead person is impossible. JP Morgan Chase Bank N.A. has taken advantage of deceased mortgagors and veterans and their dependents.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

Have tried numerous attempts to sign up for Equifax trustedid premier since my ssn was impacted by last year 's data breach. I received the link to complete enrollment but for the past week I get a " System Unavailable " error. I called the customer service number provided and the person over the phone asked questions to verify my id. I could not answer one of them ( " the month and year you requested your last credit report from Equifax? '' ) and was told that I would have to fax them documents to complete enrollment. I did not feel comfortable doing so especially since all of this is not required online. So I registered online again using a different browser and still got system unavailable. The end of XX/XX/XXXX is the last day to register and it 's if as though Equifax is making it as difficult as possible to sign up.
Consumer complaint received 2018-01-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I have a VA mortgage through Wells Fargo, they did a loan modification in XXXX XXXX 2014. I had been every ill and fallen behind in my mortgage. When I was finally placed on XXXX, I was able to make payments again and I made several large payments that all in total was right at {$28000.00}, which was just a couple of payments short of the total amount I owed. None of this money was ever applied to my principle, it was held in a non-interest-bearing account for several months, roughly a year. I had been working with their home preservation department for several months, wanting to simply bring my loan current. I had the funds to do that. They refused to accept my payments and told me I would have to apply for a loan modification. I was not allowed to attend the event they hosted in XXXX, but was instructed to be at the XXXX event a few weeks after they were in XXXX. XXXX is about 70 miles south of me and I still had health issues, so it was not easy for me to make the trip. I did arrive as instructed, with all of my required documentation. I went from station to station providing them with whatever they asked for. These Wells Fargo staffers were from all over the country, some were from North Carolina and others from XXXX, Im sure there were other locations I did not meet. I was told repeatedly that I would know by the end of the day if my modification had been approved and if I would be able to keep my home. At one station I was told I would be locked in at 3.0 % interest on the revised mortgage. I was there until after close of business at XXXX. I was finally released around XXXX XXXX and told someone would be in touch within 24 hours. I drove 70 miles home. 
I called them several times over the next 30 days or so and again I was told they were working hard to save my home. Somewhere around the 30-day mark, I received a XXXX package with my loan modification paperwork. I was given one option, sign and mail it back in the enclosed envelope immediately, or lose my home. I signed it and XXXX it back. 
After reviewing the modification, {$31000.00} was added to the principle of my loan and my interest rate was 3.75 %, not the 3.0 % I was given at the event in XXXX. This means with the {$28000.00} I had already paid in, I was only three payments behind, the third coming because of the time it took to process my loan modification., it was under duress and my {$28000.00} has disappeared. I assume it was consumed by excessive fees and closing cost for this modification that was totally unnecessary. I have attached the cover page of the loan modification to show the cost.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc. (TN)

I never receive notice from IC system collections nor XXXX  as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX   credit report. Because of this negative impact I will not be approve for my new home.
Consumer complaint received 2018-01-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NY)

Hello. My name is XXXX. I can give you my full name after your company contacts me. I want someone to call me tomorrow. My cell phone number is ( XXXX ) -XXXX-XXXX. I have been pursuing my fight against Wells-Fargo for over six years-forced car insurance. This is due to fraudulence committed by Wells-Fargo starting in XXXX. My XXXX was repossessed and should not have been. After my car was repossessed in XXXX-one year later I contacted the CFPB and your company did absolutely nothing for me and at that time there were over XXXX other complaints as well? What was the CFPB doing at that time regarding so many complaints from customers? Were you guys out to lunch? Was everyone on vacation at the CFPB? After my complaint to the CFPB I received a letter from the CFPB-your company was my last hope and nothing was accomplished? I was informed you felt there was not enough of evidence of fraudulence on my part-against Wells-Fargo? That same year there were other scandals against-Wells-Fargo and they got caught. Who decided at the CFPB-my case and 1,800 or more cases did n't mean anything or have any merit? I want to know the names of the people at the CFPB who denied me back then in XXXX and every other complaint I made since then? Nothing has been accomplished-with your company to help a consumer who has been denied, cheated and rightfully reimbursed by Wells-Fargo? What I do n't understand is how the CFPB can let Wells-Fargo get away with fraud and the level of fraud is at 100 percent? Please contact me.
Consumer complaint received 2018-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Unable to log in as 2FA code was lost. Filed initial ticket on XXXX XXXX 2017. Case ID # XXXX. 

Issue still not resolved. Keep on receiving the same automated responses and instructions, despite me continually telling them that they do n't apply in my case. 

4 days sometimes goes by with no communication. Unable to access my account and funds.
Consumer complaint received 2018-01-15
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. (CA)

In my Equifax Credit Report, under hard inquiries, they list XXXX XXXX as having made a hard inquiry. Under national credit cards.I did not authorize this hard inquiry, and suspect it may indicate fraudulent usage. They list it as having taken place on XXXX XXXX, 2018.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mar Joe Enterprises (NC)

I am going through credit repair and this company is all over two credit reports and I have never heard of them and do not know who they are. I have never had any letters regarding any contract that I have with them or are in default in. They are on my XXXX and XXXX reports.
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MA)

I have been receiving bad information about a set of student loans that are being serviced at XXXX XXXX XXXX. Four years of payments that I have made to XXXX XXXX XXXX have been incorrectly applied. Therefore, the more that {$5000.00} in payments that I have made during this period have not gone towards my loans. This misappropriation of funds has brought down my credit score from the 800s to the low 600s. This problem with XXXX  XXXX XXXX has directly led to the drop in credit score and is preventing me from consolidating the loans with an private company. 

I obtained proof from XXXX XXXX XXXX that the money was received by XXXX  XXXX XXXX, in what was called a XXXX document. It has taken more than 2 months for the company to solve this problem and I call every week in to attempt to solve it, but am still unable to do that.
Consumer complaint received 2018-01-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MARINER FINANCE, LLC (NC)

Mariner Finance is showing up on my credit report. I have never had a loan with them or any letters, phone calls etc. Now they are on my credit report and the debt is over 7 years old.
Consumer complaint received 2018-01-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IA)

Back in XXXX 2016 to XXXX 2016, I was having trouble paying back my loans at the amount set forth. I was making under poverty wage and had a dependent. They told me that the only option would be forbearance, and that I would have to keep calling every 3 months to do it. I requested to speak to a manager, and after multiple dropped phone calls saying that there was no other options, and that they do not lower interest or payments, they finally put me through to a manager. They set me up on a plan that lowers my monthly payment by {$100.00}. What I did not know was they increased my repayment time by 8 years and increased my interest rate. After it being 18 months, my auto payments dropped, so I found all this out by going in to the website and discovering how high my interest rate was, and that my plan had not extended by the 3 years I thought ( to make it an 8 year loan ), but actually increased 8 years. After reading, and experiencing from XXXX XXXX, how they decreased my interest rate to make my loans affordable, I believe that XXXX was untruthful and has caused me to pay way more, when they should have had options like XXXX or XXXX  ( which I have loans through both ). I am able now to make more then my loan payment, but am looking at all the money I feel like they tricked me out of money through false statements and pushing me into the 'only option they have ' for repayment.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to Wells Fargo in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports Wells Fargo already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by Wells Fargo and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with Wells Fargo, previously.