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 — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (TX)

XXXX 2016 - I purchased a XXXX XXXX XXXX from XXXX XXXX. They promised me they could get me a better finance rate than I could get. I was in agreement that I wanted my loan to be financed by XXXX XXXX. I informed XXXX XXXX that I did not want Wells Fargo. My loan with XXXX XXXX was approved. XXXX XXXX sold my loan without my knowledge or permission to Wells Fargo because they could get more money from them than XXXX XXXX. This is per a XXXX XXXX employee. 

Supposedly, XXXX XXXX records their loan transactions. If this correct, you will see me and hear me saying several times that I do not want a loan from Wells Fargo! 

I never had a loan with XXXX XXXX. Since I dislike Wells Fargo, I refinanced with XXXX XXXX XXXX. XXXX had informed me that I could write a note on my credit report and disputed it. I told XXXX that I want my credit report to show that I did not have a loan with XXXX XXXX, and want it removed. Also, I want it said that XXXX XXXX sold my loan to Wells Fargo. They said no because they can not say anything derogatory. Why bother to tell me I can dispute it and write a note? XXXX obviously lied to me. 

Furthermore, I never gave permission that Wells Fargo could obtain my credit information and never authorized a loan with them. This needs to be illegal!
Consumer complaint received 2018-01-16
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (MO)

On XXXX 2017 my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of { {$3100.00} } to credit bureaus. These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that I do not owe and was told by the property manager that nothing was owed. I feel this violates the safe collections practices and it does violate FDCPA. With this being on my credit report it is affecting my approval and credit score. Additionally, this collection agency may not have the authority to collect on said alleged debt. I want this removed off all three of my credit reports
Consumer complaint received 2022-10-04
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: JPMORGAN CHASE & CO. (AR)

Basically when i was applying for vehicle at dealership and i did that give any consent to run my credit and after leaving i found out that my credit was run multiple times without my authorization.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NV)

The balance of my student loan has been paid from XXXX of 2012 to XXXX 2015 of a total of {$23000.00}. 

In XXXX and XXXX of 2015 the payments were late and shows on my credit score.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK (WV)

This is an unknown authorized inquiry reporting on my credit report Discover Bank XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Discover Bank XXXX XXXX, 2016 Unknown inquiry, please delete
Consumer complaint received 2018-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

In XX/XX/XXXX a bill for {$600.00} from XXXX was sent to AFNI INC due to unpaid phone bills. The bills were in my name but but being used by a different person. This person fled continuing to use the phone and service. I have paid the collection service in hopes to have this resolved and the collection had been disputed. I received a credit reporting this month stating that this collection will remain on my record till XX/XX/XXXX and i am desperate to have this removed from my credit. I am not at fault and looking to resolve this as soon as i can. I was unaware that i was still being held accountable for this.
Consumer complaint received 2018-01-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (GA)

X/XX/2018 - Received an unsolicited, encoded Netspend prepaid XXXX. It includes my name embossed on the card. This opens me up to significant fraud risk, and I do not want this to be sent to me. I will be shredding this card, but my concern is that others may have or will be mailed that are diverted to inappropriate parties.
Consumer complaint received 2018-01-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

I am currently in the process of obtaining a mortgage loan. In order to qualify for a lower interest rate I needed to bring my score up 2 points with Equifax, bringing my XXXX score to a XXXX. My mortgage lender uses XXXX XXXX to pull credit reports & rescores. In an effort to bring my score up 2 points with Equifax, I payed down a credit card. 

Instead of going up ( as predicted ) my score shockingly dropped 9 points with Equifax! XXXX XXXX and lender had no idea how or why. XXXX XXXX contacted Equifax, who admitted they incorrectly updated the new balance & available credit limit, there by creating the score to drop. Equifax corrected the information. However, according to XXXX XXXX, Equifax said that updating these numbers " messed up their reporting algorithm '' and now my score will reflect the incorrect lower score for the next 4 months. 

Equifax is pointing the finger at XXXX XXXX, saying they corrected their mistake, and XXXX XXXX can request a new score. And XXXX XXXX is pointing back at Equifax saying they inputed incorrectly, and now it is still not reflecting a true, and accurate credit score because the algorithm was " messed up ''. 

I 'm being told there is nothing that can be done by XXXX XXXX. Now I 'm stuck paying a higher interest rate & mortgage insurance on my loan because of false/incorrect credit score. Because of this incorrect information, I 'm paying more, and no one will fix their mistake, and report a correct credit score. 

I received information back on the rescore on XX/XX/XXXX. Also, no one from XXXX XXXX will talk to me. They told my lender, they do not, and will not communicate directly with consumers. This " mistake '' due to Equifax & XXXX XXXX is costing me an additional {$200.00} a month on my payment. It 's a big deal to me, and I should n't have to pay more because my score is being reported incorrectly. In addition, XXXX XXXX has told my lender that my score will be " stuck '' at the lower score for 4 months. I do n't understand how this can be.
Consumer complaint received 2018-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

This debt was sent to the collection firm on XXXX XXXX, 2014 - 3 years and 6 months ago. 

I do n't know what this MEDICAL DEBT is for - as well, I did n't know MEDICAL DEBTS could be reported on an individual creditors report.
Consumer complaint received 2022-10-04
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. (AZ)

I recently looked at my credit record and found numerous billing mistakes. Billing errors under U.S. Code 1666 ( b ) are 15. Failure on the part of the creditor to accurately reflect a statement, a payment made by the debtor, or a credit given to the debtor. an accounting inaccuracy of the creditor on a statement that involves computation or a similar error. As far as I'm aware, the creditor didn't send me a statement 21 days in advance, thus this shouldn't be any late payment on this account. This is unquestionably billing issue, thus I demand to see concrete evidence from the creditor 's bank account that I failed to pay and was flagged as being past due. The disputed account is listed below. 
XXXX XXXX XXXXXXXX XXXX XXXX : {$1600.00}
Consumer complaint received 2018-01-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I work as a XXXX XXXX and my contracts face sudden ends due to layoffs. Twice - between XX/XX/XXXX and XX/XX/XXXX - I was unemployed and called Navient regarding the law that the government had passed in XX/XX/XXXXregarding student loan repayments available based on income. This was important to me because, in the past, forbearance or deferment had always been my only option.

When I called in XX/XX/XXXX, the customer service rep in the XXXX said that repayment option was " not allowed '', despite the fact that I was not in default or any other situation that would have warranted that rule. He said Navient " does n't have that option available. '' He said my only options were forbearance or deferment and I ultimately had to choose deferment, because he said it was " cheaper. '' This is despite the fact that Navient had sent me generic " do not reply '' automated e-mails listing the other repayment options available, as mandated by the new law.

The customer service rep also did not send me the promised deferment documentation to my e-mail address so I could fill them out, although he said that he did. I have all the e-mails from them, dating back to XX/XX/XXXX in my XXXX XXXX account. By the time I got back in touch with them asking where the promised forms were, they had charged late fees on the account and additional interest accrued. They would not reverse the late fees but said I was supposed to go online to fill out the forms.

I felt they were very deceptive. I had a shouting match with them because I have come to find they are always deceptive. Navient has basically kept me in a loop on the repayment of this loan with continual forbearance and deferment for years. When people ask me why I still have a student loan, I tell them its because a ) I have no option but deferment or forbearance because Navient says I have no other options. b ) I have no options to refinance the loan with any other company because our government does not allow that. c ) The interest keeps accruing due to my work as an on and off XXXX XXXX and the loan continues to accrue interest.

I am a loop in XXXX with this loan that, considering my age and my mistake of returning back to school at a later age, will never be paid off until I am XXXX. To Navient, I am probably considered a good cash cow since my employment situation as a XXXX is on/off employment. For me, I can never make a dent in the balance because the payments are too high when I am unemployed and I have to defer, then I go back to work and the payments are higher, and it happens over and over again.

Over the years, XXXX XXXX and then Navient has never given me any other option except deferment or forbearance.
Consumer complaint received 2018-01-16
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. (FL)

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.
Consumer complaint received 2017-10-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

I proactively called US Bank to informed them that I 'm no longer able to continue making payments on my 2nd home due to a job relocation. Although, my house has been vacant and on the market for 11 months, I have not gotten any serious offers. The bank representative said I did n't qualify for a short sale, but would be able to assist with a Deed in Lieu. I submitted all required documents and to date they have been stalling asking for my current year to date pay stub. I submitted my annual salary twice to the bank, but they have not taken any action. I called the Relationship Manager, and was told that the bank is considering a refinance option for me. I never asked for any refinancing options as I do not want to keep the house ; since I can not afford it. Their are certainly against my request, inconsistent with my telephone conservations with the customer support agent and were NEVER discussed with me prior to me elevating my request to speak with the manager.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (FL)

I was making a hotel booking at the XXXX XXXX hotel chain. I found a good deal and was looking at prices. I saw they were advertising the Chase Bank credit card for XXXX. I clicked on the offer and was taken to Chase.com website. I took a screen capture of the offer where they offered 3 free nights after spending {$5000.00} on the card on 3 months. My application was submitted successfully directly with Chase and I got approved for the card. I called Chase to confirm the 3 free nights and the lady on the phone ( XXXX ) told me she didn't see the 3 night offer and to send chase a private message through my online account portal. I did and they replied that they needed to see a copy of the promotion. Thank XXXX I had taken a screenshot so I sent them that and after that they said they couldn't honor the offer. This is classic bait and switch and has left a very very sour taste on me, to be gamed this way but what I thought was a prestigious bank.
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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

I CALLED XXXX XXXX TO TRY AND LET THEM KNOW ABOUT THESE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT AND WERE FRAUD CHARGES BUT THEY TOLD ME THE CHARGES WERE TOO OLD. I REPORTED THESE TRANSACTIONS BACK WHEN THEY HAPPEN AND THEY DID NOTHING FOR ME. PLEASE HELP ME GET MY MONEY BACK. I WILL LIST CHARGES THAT WERE MADE NOT BY ME AND DATES AND AMOUNTS. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CARD LAST FOUR-XXXX XX/XX/XXXX XXXX XXXX CARD LAST FOUR-XXXX I NEVER AUTHORIZED ANY OF THESE CHARGES AND THE CREDIT CARD COMPANY WAS VERY RUDE AND NASTY TO ME TELLING ME IM TOO OLD TO REMEMBER AND I PROBABLY FORGOT. PLEASE HELP ME
Consumer complaint received 2018-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (MA)

My account was accessed by someone on XXXX/XXXX/XXXX and they made an unauthorized transfer. When I called Chase Bank, they suspended the online access and advised me to call a separate number to change my login/password. When I called the number, I was advised that my whole account would have to be closed and a new one opened but in order to do this I would need to visit a branch. This is not possible as the closest branch to my location is 143 miles away in a different state. I 've spent over 3 hours on the phone with Chase and they have not presented any sort of solution.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

I request validation of the debt reporting negative on my credit reporting from an agency, XXXX XXXX XXXX, {$970.00} acct # XXXX, who purchased the debt from XXXX XXXX original acct # XXXX XXXX XXXX XXXX XXXX, FL XXXX on numerous requests, last being XX/XX/XXXX. On XX/XX/XXXX I got a letter from XXXX XXXX XXXX of deletion they couldn't validate the debt, nor send me any information pertaining to this line of credit that they are reporting negatively on my credit reporting. I instructed and showed proof to all 3 major credit bureaus, as of today XXXX deleted it, however XXXX & XXXX still showing, they claim the creditor updated and all information is accurate and consumer still owes. I have no knowledge of this so called purchased fraud debt which XXXX XXXX is reporting. I also Filed with Federal Trade Commission as a result of this matter not being properly handled and Fraud was placed upon all 3 of my Credit Reportings.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

I added {$60.00} to my Coinbase account on XX/XX/XXXX and today is XX/XX/XXXX and my money has not been added yet, it still shows pending. Theres no valid telephone number to call this company and they only respond back with general information not about ; where is my money. This company is a scam and should be shutdown. How do you have a $ XXXX company and no contact number nor any type of customer service? Clearly a scam
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the Federal Trade Commissions affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-01-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (OK)

I was trying to get a home and was told that i had to pay that off or show that there was a payment plan provided so i call Hunter Warfield to talk about the account and they said they could do the payment plan but they will not send me a copy of the agreement and i have have talked to other debt collectors and they said it was by law that they have to give a copy of that and i can not get them to give me a copy im not wanting a paper saying its paid in full just a copy on the laid out payments are going to be they can be reached at XXXX Thank you XXXX XXXX
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

Per bankruptcy court as well as state of Kansas placed said items on my report for all credit bureaus without permission per these said companies have verified that they do not verify these for placement on credit bureaus, I have requested that they be removed the bankruptcy was discharged in XX/XX/XXXX. The state of Kansas Department of Labor placed a state lien without my knowledge or any correspondence with rising interest which is unfair so I would like for them both to removed these are reporting back form XX/XX/XXXXor XX/XX/XXXX these are placing a hindrance on my credit which is stopping me from getting approved and the credit bureaus Equifax, XXXX, and XXXX do not want to remove them. The state tax lien is only showing on my XXXX report. Both items are stopping me to be able to establish positive credit please help and get them removed
Consumer complaint received 2018-01-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (VT)

Several months ago we were approved for a loan modification we accepted the offer and made our 1st monthly payment. About a week later we were served with paperwork from the court saying they were4 trying to foreclose on our property. I replied to the notice with a written answer as well as submitted all the paperwork regarding the approval for the modification and documentation of our 1st payment. Went to court and the judge did not understand why we were there when were in the middle of a trial modification and meeting the requirements, he also did not understand why Seterus was " dual tracking '' our loan. The judge found that as long as we made the remaining 2 payments within the required time frame we would be set for a permanent modification. Well here I am on my 3rd and final month to make my last payment before finalization & I receive a letter in the mail on XXXX/XXXX/XXXX stating that as of XX/XX/XXXX our mortgage was being transferred to a new servicer ( less than 10 days notice!! ) Frantic I called Seterus and asked how this was going to effect the modification and after being placed on hold multiple times for over 15-20 minutes I was told that I would have to reapply for a loan modification with the new servicer, even though there are federal guidelines in place to protect consumers from having to reapply. I was told that the previous payments essentially meant nothing and even though they knew the current terms of the loan it did not matter. How is this legal my guess is that it is not they entered into a legal agreement and I kept the terms, they did not and now am in the middle of retaining legal counsel to try and save my home as well as pursue legal action against Seterus and their shady, unethical, shady business practices. I am also filing multiple state and federal complaints regarding their disregard for the regulations set in place to prevent " businesses '' like them from doing this to people and hopefully prevent them from doing business period. I will also pursue any and all legal avenues to make sure that EVERYONE knows what kind of company Seterus is while making them responsible for their actions, I will not go quietly, this is just wrong! It should not be this hard to save your home. I was so happy to be back on track and felt a sense of relief that my home was safe, to now be told that I have to start all over again is devastating to say the least. I also researched the new servicer XXXX XXXX XXXX have had/ or are currently in the middle of class action lawsuits, investigations, fraud investigations etc.This is our home, the only home my children have ever known, I have worked hard to get back on track, but to make us start the process over with a new shadier servicer and potentially risk foreclosure/dual tracking in the process is CORRUPT