davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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. (NY)

I have made arrangements to pay off this debt that was in collections in full and to have it removed/deleted from my credit reports. I've paid it and they didn't remove it as promised.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2020 my bill for {$21.00} did not go through when it was on auto-bill. I reached out to the company 31 days after, made the payment in full, because the only notification I got that it didnt go through was from it hitting my credit with a 30 day late payment. They never notified me of the bank rejection of the payment. I now can not qualify for a mortgage because of this mark on my credit and the company will not help me with this very unfair situation.
Consumer complaint received 2020-08-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (KY)

In XXXX 2020, I have no record of making a payment to PNC credit card services. On XX/XX/XXXX, I called XXXX, and talked to the bank consultant. I asked for the full balance due. I was informed that I owed {$250.00}, which I paid by debit card with the Reference Number XXXX. On XX/XX/XXXX, I was contacted by PNC by phone, and told that this was an attempt to collect a debt and that my credit score might be adversely effected. I declined to make a payment at that time. On XX/XX/XXXX, I spoke with a bank consultant, who informed me that the debt was due to a late payment in XXXX. I stated that, if that was the case, I should have been so informed when I contacted the bank on XX/XX/XXXX. The bank rep told me that she saw my payment of {$250.00} on XXXX XXXX, 2020. 
However, she said that the late fee and interest were still due. I stated that I should have been informed of this on XX/XX/XXXX and that the penalty and interest should be removed from my account.
Consumer complaint received 2018-06-22
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: ACS Education Services (NC)

I have requested verification of a loan reflected on my credit report by ACS. The dispute results come back verified, but the letter sent from ACS states " We have received the material requesting to validate your debt. Unfortunately, Conduent Education Services does not service the education loan you referenced in your dispute. Therefore, we are unable to assist with this request. Please contact your current education loan servicer, XXXX, with the information provided ''. 

If they are unable to provide verification to me, how are they still able to report the account to the consumer reporting agency under the name and account number listed on the report and not provide verification. I have contacted XXXX and they advised me to contact ACS/XXXX.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

The early part of XX/XX/XXXX, I established Direct Deposit with this Prepaid Account for both my XXXX XXXX and Social Security XXXX payments. I have been receiving payments every first of the month from the XXXX XXXX and every second Wednesday of the month from Social Security for over ten years without fail and without any issues until today ( XX/XX/XXXX ). I foresaw that there could be a challenge with receiving my Direct Deposits when there was absolutely no communications through this Prepaid Account regarding receipt of electronic direct deposits of my XXXX payments, so I reached out to Netspend by both phone and internal contact support to address this. I was assured that there would be no issues in the safe process of my funds when the time came. I already accepted that this Prepaid Account did not have to honor their promise of " 2-days early Direct Deposit '' which should have been on ( XX/XX/XXXX ) because, even if it would have been nice to receive the money early, it was not required of this Prepaid Account to honor it, which they did not honor. Yet, calling to see why they have not released my money on my actual payday which is ( XX/XX/XXXX ), today, there is no excuse of reason for me not receiving my money on my payday.
Consumer complaint received 2022-08-05
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (TX)

I have a credit line with PayPal credit ( thru Synchronic Bank ), they gave me six months for special purchase ( over {$99.00} ), but if I returned any of those purchases, they gave me credit but did not remove or update the original purchase. I noticed this problem a few  months ago and every month I need to call them to correct the transaction. Now I have more than four transactions and they don't give me the credit.
Consumer complaint received 2020-08-21
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: BANK OF THE WEST (NY)

Bank of the West has incorrectly reported our loan as late in XX/XX/2019. As soon as I noticed it, I contacted them, as well as XXXX  to get it corrected. I have since contacted both companies 5 times over the past 8 months, to get this item changed to not showing as late, but it is still incorrect. I am not getting anywhere with either of them. I have sent documentation to both, and it is still showing as late. This is the only derogatory item on our credit report and it is impacting our report and score.
Consumer complaint received 2020-07-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On the initial application a XXXX Representative, XXXX XXXX got my XXXX wrong he tried to get my credit report and claimed it was wrong on the application, but it wasn't because I kept a copy. Due to this incompetence, I requested another representative. When I requested another representative, XXXX responded " I think it's better if we end the application now. So, I asked for a supervisor. Never spoke to a supervisor, but was given XXXX XXXX. Through the application process, we have been asked over and over for the same information. Some information, I offered in the beginning of the process XXXX said they didn't need only to follow up with a request for the information repeatedly. A recent request asked for legal documentation of my wife 's social security, I'm sure it's because she is XXXX and we are a mixed race couple. My credit score is in the excellent range and my wife 's score is in the very good category. Our loan to debt ration is around 21 % and we are merely trying to get our mortgage refinanced to get rid of the mortgage insurance and a better interest rate. Our loan is currently with Wells Fargo. At this point, I want to terminate my application with Wells Fargo and receive written documentation that they have destroyed our information. Due to discriminatory practices.
Consumer complaint received 2020-08-21
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: Nelnet, Inc. (VA)

THIS IS NOT A DUPLICATE COMPLAINT - IT IS A NEW MATTER FOR A DIFFERENT YEAR THAN PREVIOUSLY SUBMITTED. PLEASE READ THE COMPLAINT CAREFULLY. 

I submitted the following complaint " On my XXXX  & XXXX  reports for the Nelnet Direct Subsidized Loan ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off. '' Nelnet closed out stating they did not have to investigate because it was substantially similar to previous complaints that had already been investigated. 

This complaint is NOT similar to other complaints previously submitted. If you read the complaint, it is referencing a late payment you are reporting in XXXX. The previous complaints are for XXXX and were regarding a different dispute entirely that was in re to a forbearance and whether the backdating of the forbearance should result in the XX/XX/XXXX late payments being removed. This is in re to You were paid off in XXXX and now are reporting a late payment in XXXX. The late payment in XXXX needs to be investigated and removed because it is after the loan was paid in full.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Hi, Paypal closed my account for no reason and without getting any help or assistance from them. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a month but I was just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me. Great deal as I used Paypal quite frequently. My email linked to my Paypal account is XXXX.
Consumer complaint received 2020-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020, I went to a Chase branch location and deposited a Cashier 's check in the amount of {$1600.00}. Per the XX/XX/2020 Chase Account and Fund Availability disclosures, these funds should have been available the following business day. As they were not, I contacted the branch and was told the funds were on a 15 day hold, but given no reason for this hold. I decided to wait a bit longer, and, a few days later, contacted them again for an update. My Relationship Manager said there must've been an error, but she would have to look into it when she returned from vacation. 

On XX/XX/2020, I noticed that the funds were still not available and, as checks cleared, my account was overdrawn and an NSF fee had been assessed. Further, I noticed that directly deposited Social Security check was also being held. At this point, on XX/XX/2020, I contacted Chase again and authorized them to speak with my daughter, a senior banking professional, regarding my account. Initially, I was told this was not allowed, but my daughter was able to convey the fact that I was providing third party authorization and was subsequently allowed to speak on my behalf. 

My daughter referenced Chase 's Funds Availability policy ( attached ) to multiple representatives and was repeatedly told, they were unsure of their own policies and that she needed to be transferred. After over 35 minutes on hold, an extremely rude representative in the Deposit Hold Dept., by the name of XXXX XXXX, came to the line and said she needed to research the issue. She then placed my daughter on an additional 20 minute hold. When she finally returned, she said she would remove the hold for the cashier 's check, but that is all she could do. When my daughter questioned why the hold was placed on a cashier 's check, XXXX said she didn't know but believed it was because they needed to research it to ensure it would be paid. Again, this instrument was a Cashiers Check, drawn from a local, Florida bank. When asked about the Social Security Direct Deposit, XXXX said she couldn't do anything about it and that it would be available, next day, despite the Funds Availability Policy stating it should be available same day, and despite my having received this payment, without issues, numerous times in the past. 

The call ended with XXXX XXXX being terribly rude and basically asking us if we wanted her to make the funds available or not, which of course, we did. She was determined to be unfriendly, unhelpful, inept and apparently, completely unaware of her role in the Deposit Hold Team. 
.
Consumer complaint received 2020-08-21
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. (MI)

On XX/XX/2020 I requested an investigation into several accounts there are reporting erroneously on my credit file with Equifax. I asked them to validate the accounts and send me documentation of their findings. On XX/XX/2020 I received a letter from Equifax stating they had completed my disputes and informed me of updates made to my profile, but did not send any documentation proving said accounts had been verified properly. I sent another letter on XX/XX/20 asking for written documentation, such as a signed contract between myself and the creditors they are listing, but no such documentation was received. I went online and requested a new credit report from Equifax today, XX/XX/20, and I noticed there is an account with XXXX XXXX that they stated was previously updated that has updated with INCORRECT and even more damaging information. A closed account is now reporting as over 120 days past due and is not reporting a date of last activity, which is a requirement!!! Equifax has not responded to my requests since XX/XX/20 and I believe this account should be deleted!!
Consumer complaint received 2020-08-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (KY)

Our Loan is with Navient. We have never missed a payment on the load. We may have been late a few times but never missed a payment. 
I made the payment on the morning of the XXXX. My Son who has the loan has gotten 2 call from them and I myself have gotten 2 calls from them before XXXX on the XXXX even through we have already made the payment. They keep calling and hounding us for the payment.
Consumer complaint received 2018-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (PA)

We have 3 cards with Chase and no matter how much we pay each month we are seeing MINIMAL headway with the balances getting down. They refuse to lower our rates and we have paid more than {$4000.00} in payments yet still owe pretty much the same amount on all 3 cards. Their answer is- unless we miss two payments they can't help. 
We are trying VERY hard to get these paid and have no help from them - it's a useless task!! Someone needs to address how these payments are applied and get them to lower our rates please- we are EXCELLENT customers and trying to get this paid off!!!!
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (PA)

on XX/XX/2020 applied for XXXX XXXX  credit was denied with a XXXX credit score and immaculate credit they sent me a letter they could not identify me XXXX XXXX XXXX tried again talked to a rep from company denied again XX/XX/2020 signed up for home depot credit card denied I call XXXX my credit union that cant help I don't know who to call for help hoping u can point me in right direction or fix my problem thank you
Consumer complaint received 2020-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

NationStar Mortgage aka. Mr Cooper is our mortgage company. They bought out our previous company XXXX XXXX XXXX in XX/XX/XXXX. 

We filed bankruptcy in XXXX to save our home Chapter XXXX. 
We got behind 4 payments afterward and agreed to a stipulation agreement paying an additional {$850.00} over and above our mortgage payment of {$1000.00} over a 6 month period and keep up with our mortgage payments for the entire time of our bankruptcy which was a 5 year repayment plan. 
In XXXX of XXXX we receive word from our bankruptcy attorney that the attorney for Mr Cooper states we were not meeting our stipulation agreement and were given until XX/XX/XXXX to cure what we still owed on the stipulation. 
We cured {$3100.00}. and change to bring the account current. 
We continued to make our mortgage payments. 
XX/XX/XXXX we receive an email from our bankruptcy attorney that the attorney for Mr Cooper had filed a motion for relief from stay on our property. 
The attorney for Mr Cooper provided a ledger which had very little payment info and nothing from XXXX at all. 
Because we were in bankruptcy all of our payments to Mr Cooper had to be certified funds, so we went to our bank, got printouts of every payment we made to them and sent it to them. 
They sent back a second payment ledger and within that document it stated that from XXXX XXXX to XX/XX/XXXX our mortgage payment had increased from {$1000.00} to {$1600.00}. 
I immediately contacted Mr Cooper to discover our payment increased due to XXXX taxes of {$4700.00}. Mr Cooper claims that because of the bankruptcy they could not send us that updated payment info directly but sent it to our bankruptcy attorney ... we never received the payment increase information, so we continued to pay what we thought our payment was, {$1000.00}. Also, these payment increases to our knowledge were ever submitted through the bankruptcy court as they should have been. 
This put us in arrears for an entire year not even being aware of a mis-stated tax error. 
We had to borrow {$12000.00} to save our house through the Public Trustee office. 
We did so XXXX XXXX. 
XX/XX/XXXX we did receive notification of a payment increase of our mortgage to {$1000.00} and we paid accordingly. 
Through the debt curing process of {$12000.00} it triggered another out of cycle escrow analysis again causing our mortgage payment to be increased again to {$1000.00}. 
Mr Cooper stated we would be receiving a refund check for {$6100.00} after the fact. 
Here`s the problem ... our mortgage payment would have never increased at all if it were not for their tax reporting error! We live in a small 1160 square foot house. 
There is no way our taxes would have ever been that much!

Me and my wife are raising XXXX  children and feel addiment that we are due not only the full {$12000.00} back, but all of the insurmountable amount of stress this situation has placed not on only us, but family we had to borrow money from to cure this debt due to an error on their part. Thank you for your time
Consumer complaint received 2023-03-02
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: Kikoff Inc. (AL)

On XX/XX/ Kikoff suspended my card without any explanation and I just had my paycheck deposited and no one could not help me their only explanation is to send an email. I have bills and I know they cant hold my paycheck.
Consumer complaint received 2020-07-02
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 is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX 2. Identity Theft XXXX   XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 3.  Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 7. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit Identity Theft 8. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
Identity Theft 10. XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Sincerely, XXXX XXXX