davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MD)

I have been contacting Wells Fargo since XXXX about accounts personal lines of credit debit card accounts that I did not open etc. On XX/XX/XXXX. I received a text message from wells fargo concerning my account. When I call or go to the location I am told I don't have an account. I continue to recieve messages and continue being told that I do not have an account at wells fargo. This is happening because government officials and federal contractors have made a forgery Maryland durable financial power of attorney that states an unknown agent to have power and control of my money or property if I am able to or not.
Consumer complaint received 2021-11-28
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: EQUIFAX, INC. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY 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 ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX ) XXXX
Consumer complaint received 2019-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trust Financial LLC (WY)

We were wrongfully turned over to collections from a hospital. We had paid monthly on the debt and had no clue we were in bad standings with them. We then received notice from Rocky Mountain Recovery ( the collections agency ) that we owed them {$3600.00}. 

When I asked when the debt was turned over to them, I was lied to. One lady said we were turned over XX/XX/XXXX, another lady claims we were turned over in XX/XX/XXXX and one in XX/XX/XXXX. Still dont know the right answer because they ended up telling me that once they receive a debt from the hospital they will start calling and trying to collect payment within 30 days of receiving the debt. I didnt hear anything from them until the middle of XX/XX/XXXX, when they sent notice that we owed them money.

We have talked to them many times to try to work something out. ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19,XX/XX/19,XX/XX/19, XX/XX/19 ). Then on XX/XX/XXXX, I talked to one lady who claims I wasnt responding and no one had talked to me since the XX/XX/XXXX so I started documenting every phone call after that. 

We obtained a loan and offered them a lump sum of {$3400.00} which they refused. So we did research and found out we could pay the hospital directly, since they are the original creditor. We paid the balance of {$3200.00} to the hospital. The hospital sent me a notice that they retrieved the debt from Rocky Mountain recovery and it was paid in full.

Rocky Mountain recovery keeps bugging us for payment and claims we owe them all the interest thats left on the bill. They also will not remove it from our credit report. It shows we owe them the full amount of the debt plus interest. We paid the hospital and I have proof of payment!!
Consumer complaint received 2021-11-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: U.S. BANCORP (AL)

On XX/XX/21 I spoke with XXXX and renewed my CD for 17 months at the rate XXXX. XXXX told me that he renewed it and will send me a copy of the CD. But he failed to renew it. 
On XX/XX/21 I spoke with XXXX, she told me that manager will renew it and will give me a call and send me a copy of the CD. But I never received any call or copy of the CD from the manager. On XXXX spoke with XXXX, she told me to call back. On XX/XX/21 I spoke with XXXX, she told that CD has been renewed and manager will call me within an hour and send me the copy of the CD. But I never received any call from the manager.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK (LA)

I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with Discover, XXXX, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my XXXX score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently discovered there are several inaccurate accounts and charges on my Equifax report as a result of identity theft. As a result, they are destroying my credit. These accounts are as follows : XXXXXXXX XXXX XXXX Inaccurate charges due to identity theft Account # : XXXX Date Reported : XX/XX/2019 XXXX  XXXX Fraudelent Charges. Don't belong to me! 
Account # XXXX Date Reported : XX/XX/2019 XXXX  XXXX INACCURATE CHARGES DUE TO IDENTITY THEFT. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX Fraudelent Charges that do NOT belong to me as a result of Identity Theft. 
Account # : XXXX Date Reported : XX/XX/2019 XXXX Fraudelent Charges and victim of identity theft. No knowledge of this account and charges. Please validate!!! 
Account # : XXXX Date Reported : XX/XX/2019 XXXX XXXX XXXX I recently received a collection letter from XXXX and was shocked! I have no knowledge of these charges and believe i have been a victim of identity fraud!!! 
Account # : XXXX
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I am ( at least attempting ) to be part of the public service loan forgiveness program. 

Because my employer helps me with my payment due each month, I have multiple payments each month that come in at different times to satisfy my monthly balance. Due to this scattered payment, I have tried multiple times to get guidance on what payments count in order to ensure my total payments are qualifying each month and I am not making excess payments that dont count towards forgiveness. 

The only regulatory requirement about the timing of the 120 payments is that they not be made later than 15 days past the due date, but I have been told that some of my bill satisfying payments may not be qualifying because they were made too early. I have been told completely inconsistent policies regarding early payments by different representatives and every time I ask for a written policy so that I can fully understand and ensure I am complying with it, I am told no written policy exists. 

After my number of qualifying payments reported by the XXXX XXXX  was far lower than the number I believed I had made, I promptly sought clarification. I was told the only way to review this was to make a formal request for a review of payments and wait for the company to complete a unilateral review that would take an entire year. This review would not provide any transparency or allow me to have a discussion with a human doing a review, all while 12 months of potentially qualifying payments pass while I am potentially still not making qualifying payments despite satisfying every bill because no one can provide me with a clear understanding of what the early paying policy for a monthly bill actually is. 

This lack of transparency and failure to communicate requirements that end up disqualifying payments that public service workers are diligently making on their monthly bills completely defeats the purpose of this program and discourages program participation.
Consumer complaint received 2020-11-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XX/XX/2020 I mailed a letter about inaccurate accounts showing on my credit report and requested an investigation. It has been 6 weeks and I still havent received a response and these accounts are still showing on my credit report!!
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

I went to use my Amazon Chase Credit card for an online purchase on XX/XX/XXXX, and my purchase was declined. I tried to make the purchase again using my XXXX Chase credit card and it was again declined. I called Customer Service and was told that the reason my purchase was declined was because my cards had been closed as a bank decision. When I asked why, I was told that it was due to payments being returned on my Southwest card earlier in XX/XX/XXXX. I explained to the customer service rep that I had mistakenly entered the wrong account number and the wrong routing number, as I was paying out of a new checking account. I had called in XXXX to let Chase know that I had made a mistake, and I was told that everything was fine and not to worry about it. I was told that I could even call in and have any fees waived for these returned payments. I however did not have those fees waived, and paid them in full. My payment went through once I corrected my error, and my card was paid in full. I continued to use my card and make payments without a problem. I was also confused because there was not a single problem on my Amazon Chase card, but that one was closed as well. The customer service rep told me there was nothing she could do, and told me that there was not a single supervisor on duty due to COVID-19. I then wrote an email to the executive office on XX/XX/XXXX asking for someone to look into this and to reach out to me. Someone from the executive office did reach out to me on XX/XX/XXXX, and told me they were reviewing my account and would get back to me. It is now XX/XX/XXXX, and I still have not heard a single thing from Chase Bank. They closed my two largest credit cards in the middle of a pandemic, with no regard to how this could be affecting me and my credit. I would like to hear from someone to get this resolved.
Consumer complaint received 2021-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CO)

Hello. I am an XXXX XXXX member of the United States XXXX XXXX. I have been on XXXX XXXX since XX/XX/XXXX. I have federal loans. I applied for the public student loan forgiveness program in XXXX. I was told at the time that I had been paying too much on my standard repayment plan and by time I did an income based repayment plan my loans would be paid off before they were forgiven. I know now that to be completely false. In XX/XX/XXXX, I applied for the TEPSLF program. I had to wait until XX/XX/XXXX for the Department of Education to determine whether the United States XXXX XXXX was a qualifying employer. Then I promptly got a denial letter because I had FFEL loans. I called student aid and they explained that I could consolidate with direct loans but I would have to start the 120 qualifying payments all over. 

I saw the news about the overhaul of the program. I called student aid and was on hold for over 20 minutes. I then had to be transferred to a different department where I have been on hold for over 30 minutes. Thats nearly an hour total. 

I am requesting your help. I have made payments on my federal student loans since XXXX. I have been a member of the XXXX XXXX XXXX XXXX the entire time. Thank you for your consideration. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Synovus Bank (GA)

My identity was stolen and is found weekly on the dark web. also, my identity was used to try and claim unemployment in multiple atates. also, my checkimg accounta were frauded and money was stolen with my debit and credit card numbers. my wallet with social security numbers and card, ID, and cell phone was stolen with my tax id numbers. synovis bank ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  dept of labor, and XXXX  dept of labor was frauded. also mail theft and email with my XXXX XXXX were hacked and compromised. my XXXX  email was hacked. i suspect XXXX XXXX and XXXX XXXX were reposible for this. please contct me woth any questions. 

sincerly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX or XXXX
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (IN)

On XX/XX/19 I applied online for the new Apple Card managed by Goldman Sachs. I was shocked and disappointed that online I received the message that I would receive their response by USPS. I waited and waited for their response, and never received anything. Eventually after contacting XXXX XXXX at Apple, I did get an email resonse from Goldman Sachs saying they were denying my application for the Apple Card. I reached out to Goldman Sachs to discover their reason for the denial. I was told that the reason was that " I was too poor for any credit card. '' Finally I received an email about the denial. In the email the excuse for denying my Apple Card application was that " my monthly debt obligation was too high. '' I don't have any monthly debt beyond my rent payment. I have several credit card with a XXXX  balance and a credit limit of between {$5500.00} and {$12000.00}. Apparently Goldman Sachs is the only company operating with this gender discrimination. Based on the current XXXX  XXXX reports, I now believe that I have been discriminated based on my gender.
Consumer complaint received 2021-09-02
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)

This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/2021, I received an email from Wells Fargo Bank N.A. with the subject line " Important XXXX XXXX XXXX XXXX  Credit Card Account Information ''. Attached in the email was Terms and Conditions for a line of credit. Immediately I called them to inform them I had not applied for credit with them, that the credit application was fraudulent, and that I wanted to make sure a line of credit had not been open with them in my name since I received an email with Terms and Conditions. 

After speaking with a customer service representative, they informed me they could not find an open account with my name and that they would investigate it and have the hard inquiry removed. It is now XX/XX/2021, more than 30 days ago, and the information is still on my credit report under Hard Inquiries. I was not notified about the investigation status. Their investigation did not fix the error on my credit report, and it has taken longer than 30 days. According to the FCRA, this is a violation.
Consumer complaint received 2018-04-13
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. (NC)

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed.

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, XXXX XXXX has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011.

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Consumer complaint received 2021-05-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK (FL)

On XX/XX/2021 I spoke with senior loan processor XXXX XXXX about what was still needed to finish the approval of a home equity loan. At this time I was told all I needed was a copy of a stimulus check that was deposited into my checking account in XXXX. I told XXXX it would be a few days since my bank would only mail me a copy. At this point I asked Ms. XXXX what the chances of approval looked like and she said 98 % that this was happening and to look for a 2nd week of XXXX for closing. Two days later, I received an email from XXXX informing me that they could not approve the loan. I feel I was misled and lied to by Ms. XXXX concerning my approval. In a separate email, she apologized and said she felt horrible for how this happened. I can provide emails if needed.
Consumer complaint received 2021-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX Balance {$300.00} Date opened XXXX XXXX, 2021
Consumer complaint received 2019-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On the date of XX/XX/XXXX, multiple transactions we're being processed without my permission. The weirdest part is that they we're being approved in Florida. I never gave anybody consent to use my cards nor do I have any business out there. I've reported this to Well 's Fargo and they still haven't resolved anything. I would just like this issue to be resolved and in hopes that I can get my money back.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP (FL)

I have been a checking customer of this bank since the mid XXXX  '' s. I opened a savings account 2 or 3 years ago. when i opened this account i had asked that they ensure i would be able to make withdrawals via my atm card and that they send me deposit tickets. Last month when i was traveling I tried to make an ATM withdrawal and could not. Today when i tried to transfer {$500.00} from my checking account to may savings account there system kept tell me i had an invalid account number. You should note i was using the account number that they printed on my statement. please order them to correct both of these issues today and to also send me deposit tickets. when i call them they refuse to assist because i refuse to give my entire social security number out via an unsecured telephone line nor am i able to give my drivers lic out while i am driving.
Consumer complaint received 2021-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. I have gotten proof from the Bankruptcy court that the dismissed bankruptcy should not be showing on my credit reports. Delete all this inaccurate information That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.