davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I make my payments to LOANCARE online thru bank billpay systems for years.I did all my payments on time for years but last XXXX they sent a letter stating they didn't receive my payment I see it online that it is gone, opened a claim thru bank, bank says it is gone, later they said they didn't receive XXXX payment also, they cleared XXXX payment. 

Bank sent me e-mails showing they contacted t the loan company and presented the proof but since they are third party no further assistance. I've been calling loan company many times giving them the payment confirmation numbers, dates, amounts but still for 6 weeks no solution. They stated payment payments gone to a different account number but I never changed the account number or they never let me know a change, it is a constant payee I've been doing payments for years. 
Customer service opened investigation but I can't reach anyone to talk. 

I opened cases online on loan company webpage I have ticket numbers, I sent all the copy of online payments and payment confirmation numbers. It takes almost my 2 hours everytime I talk and still no result. Plus I received a negative credit score in my credit history.

Each customer service representative says something different aech time, one says they didn't receive XXXX the other says XXXX Please help me solve this issue. 

I paid {$1800.00} for XXXX payment on XXXX I paid {$1800.00} for XXXX payments on XXXX Ticket number I opened to the company XXXX
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NE)

XX/XX/XXXX at night, I initiated a payment from my XXXX XXXX XXXX account, realizing the fact that my autopay account ( XXXX XXXX ) doesn't have enough funds. When I submitted the payment the verbiage said, as I am submitting this payment my autopay will not happen. ( I tried to tell that to the company but they are saying did I keep a screenshot ). 

XX/XX/XXXX or XXXX, I saw they tried to pull the money from both accounts and hence had a return check fee charge from my checking account. I called both discover and my bank. Discover told me to wait till all of these gets posted and they can fix this. Bank said they have to charge this fee for returned XXXX. 

Now, today I see that they tried to get the funds again from the same account and hence got another returned check fee charged by my bank. 

1. Discover charged me XXXX returned check fees which they were kind enough to credit me. 
2. But I will have to pay the {$66.00} for a situation which I am not responsible for? 

I want the credit of {$66.00}. 

Thanks
Consumer complaint received 2019-03-19
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. (IL)

Equifax has information to verified my identity incorrect. The information is incorrect when I try to dispute inaccurate information on my Equifax online account to verify me my identity. Equifax is also is reporting incorrect information to XXXX  XXXX XXXX XXXX as well. When I try to obtain my annual credit report I can not access my report because the information is wrong regarding me. I can not access my credit report because none of the verification questions belongs or pertains to me at all. I have include with this complaint a list of Equifax verification questions for me to access or dispute my credit report, and not one of the questions are related to me at all. I have contacted Equifax several time over the past 8 months to resolve this issue, and these issues are still not resolved reporting incorrect information verify my Identity. I have sent Equifax my ID, social security card, and mail of my bills that show my mailing address, and the information is still incorrect. This has caused me problems with obtaining credit cards and so forth. There is also a company XXXX XXXX XXXX for {$120.00} delinquent bill that is also not my account as well. 

I will also provide documents of my decease wife who also has incorrect information being reported by Equifax that do not and never belonged to my decease wife when she was alive. This again is being reported by Equifax as well. In the documents I will provide none of the verification questions belongs to her as well. My wife has been deceased since 2004.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2020 and during the COVID period I have called my mortgage bank ( Wells Fargo ) For Forebarence plan and I got approved by them by phone to defer my mortgage payments at a later date, but after a month and a half I received a notice to take care of a past due mortgage payment which got me way surprised that I already had requested for the forbearance plan and called the bank to find out what happend and they had nothing in their record showing that the plan was established and they have already reported a late payment to the credit Bureaus without even any communications and any notices and I tried to explain them exactly of what happend and the fact that it wasnt my fault and in the history of my payments for 8 yrs I didnt have even 1 single late payment but they refused to help me. What they did to my report was very unethical and irresponsible. 
I dont even know that during the COVID, would they be allowed to report u for a late payment or not. In general I feel very very disappointed that the bank doesnt want to take any responsibility for their mistake not performing their job right and considering the whole situation as a good faith ground to delet the late payment from my report. Im really so sad because Im also trying to do a refinancing on my home and this one report is a big obstacle on my way of doing so. 
I really would like to ask for ur help to resolve this issue ASAP pls.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Transunion on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Reference # : XXXX ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have them corrected.
Consumer complaint received 2021-12-09
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. (OH)

XXXX XXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These XXXX ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (NV)

On my US Bank account on XX/XX/XXXX There were 3 unauthorized transactions. withdrawals of {$500.00}, {$1000.00} and {$1000.00}. That is a total of {$2500.00}. 

I called US Bank on XX/XX/XXXX to report the fraud. They said it would take 5 business days to put the money back. I called back on XX/XX/XXXX, they said it will be done that day. On XX/XX/XXXX I called again to inquire why it was not there. They just said that the person I talked to was mistaken and that it would take 10 business days.

10 business days came and went and the money was not returned. Today the 11th business day I called ( XX/XX/XXXX ) and they told me that they determined that it was an authorized transaction. I asked how did they know what an authorized or unauthorized transaction was? I was told that he didn't know because he didn't do the investigation and I have no other recourse other than to submit an appeal after I received the denial letter. The letter will be another 10 business days. In the meantime I have bills to pay. 

What is my recourse?
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (FL)

I was turned down for my mortgage because LexisNexis states I am deceased. I am a 100 % service connected XXXX XXXX Veteran so I am old but definitely not dead. They refused to remove the information.
Consumer complaint received 2019-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (CO)

I have sufficient evidence the debt in question is not in default, and has been in repayment based on the agreed upon terms of {$200.00} per month since XXXX with the Department of Defense. Furthermore, the amount that is stated as owed is incorrect and should be corrected to reflect the actual balance due. My records indicate the amount outstanding after the four subsequent wage garnishments is {$9600.00}. While in administrative review, I expect the amount in question to be held constant and only be netted down in the even a wage garnishment is applied. The exhibit below shows the payments made since XX/XX/XXXX, showing consistent and continual payments. 


Secondarily, I object to the administrative fee that was applied to the note of approximately {$5000.00}, which represents approximately $ 41 % of the total outstanding loan balance. This practice and act was not approved and I gave no prior consent to adding this fee, it is also applied in error as this should have never been moved over in the first place to the US Treasury and should have been kept and housed within the DOD repayment website. This fee amount represents predatory lending practices and is a fee that is unconscionable, especially since the 10yr US Treasury Yield is 2.668 % as of XX/XX/XXXX. The mere size and existence of this fee is unacceptable ; in other terms it represents 2 years of hard work and labor paying down the note. 


As of XX/XX/XXXX - Four wage garnishments have been extracted from my pay in the last 36 days equating to {$3700.00} challenging my ability to pay my normal monthly bills and living expenses to support my wife and child. 
An agent of XXXX XXXX XXXX stated they were unwilling to accept a settlement agreement along with not responding to my formal request for a hearing.
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KS)

I was auto enrolled in paperless billing without consent by chase bank for my Amazon credit card. This actually happened twice. Once in XXXX and then again in XXXX. I called in when I noticed my account was past due the last week of XXXX and all of the charges were taken off. I would never sign up for paperless billing. I received an email last week that my account was past due again and I called in today, XX/XX/2021 and was denied by two different agents about removing the late fee. I went online and saw that my account was currently enrolled in paperless billing. The first agent told me that I was again enrolled in paperless billing because I paid my bill online two months in a row. Which is customary. The second agent told me that was not the case and that the first agent had no right to give me that information. The second agent also told me there was no record of me having paperless billing. Someone has to be telling a lie. I told him I was going to file a complaint. I have paid all my charges to the card, less the late fees and interest. I want the late fee balance removed and the account closed permanently.
Consumer complaint received 2020-12-12
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: KEYCORP (CA)

On XX/XX/XXXX, I began to receive credit card collection phone calls from KeyBank, XXXX for a KeyBank credit card account that was not mine. I was told that a credit card had been issued using my credit in XXXX for someone living in XXXX, OH, that no payments had been made for three months and that a payment of {$570.00} was due in a balance of {$9200.00}. 

I said that this was likely a card issued to my ex-wife who lived in XXXX up to her death on XX/XX/XXXX. I indicated, and later emailed the divorce decree to KeyBank, that we had been divorced in XXXX and that the decree, signed by both, specifically prohibited either of us from using the other 's credit. I also said that I had not been an Ohio resident since XXXX, XXXX when I purchased a home in XXXX CA. The KeyBank representative verified only that the non-payments on the card coincided with the time period after her death. I was told to fill out a fraud affidavit which I did. 

In XXXX, KeyBank contacted me again and said that the credit card actually originated in XXXX, XXXX and that the debt was mine. i stated that this was the date on which I originally initiated a banking arrangement with XXXX XXXX  ( later acquired by KeyBank ) and asked for evidence as follows : the credit card number, in whose name cards were issued, where cards were sent and proof that I had authorized my ex-wife to use my credit subsequent to the date of our divorce. KeyBank has refused to give me any proof of anything including refusing to tell me the credit card number, saying only " the credit card number is on the statement we have sent to the billing address in XXXX. '' Since approximately XX/XX/XXXX, I am told that my fraud claim is being re-reviewed by KeyBank. After almost three months with occasional collection calls, no action is forthcoming. KeyBank personnel refuse to communicate via paper mail or email so I have nothing in writing from them. I am only able to send written documents to a general mailbox. I have provided KeyBank with all written information it has requested. 

My credit reports with the three credit bureaus now show a 6 month delinquency on this account. My credit rating has plummeted and I am no longer eligible for any loans. I have disputed the inclusion of this credit card with all three bureaus, including sending them the divorce decree, with no result.
Consumer complaint received 2022-08-08
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. (NJ)

Please be advised this is my XXXX WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX Date Opened : XX/XX/2020 Balance : {$370000.00}, and XXXX XXXX Date Opened : XX/XX/2020 Balance : {$380000.00}.
Consumer complaint received 2019-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I made a payment of {$6100.00} to Edfinancial on XX/XX/2019. Confirmation # XXXX towards a specific loan-loan C. The company split up the payment and registered them to two other loans provided providing false dates for the payments. Even after incorrectly documenting the loan payment the payments were never deducted from either the principal or outstanding balance. 
An original payment of {$1000.00} on loan A was never applied and deducted from the outstanding balance.
Consumer complaint received 2018-04-12
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: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX  in the customer care recovery group who told me that it's not Wells Fargo 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
Consumer complaint received 2022-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 


Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX  XX/XX/XXXX : XXXX  XXXX XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 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 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 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 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 2021-04-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DocuPrep Xpress (IA)

I got a call from DocuPrep around XX/XX/2020, offering a student loan forgiveness plan. They checked, and I wasn't eligible for forgiveness, but I could start paying {$50.00} per month, after I paid them their fees of {$990.00} ( {$190.00} per month for 5 months ). I just recently checked with my loan servicer, Navient, and they replied that they are not affiliated with this company. I emailed DocuPrep twice, telling them they were not getting any more money from me ( before the 5th payment came out of my account ), and that I had found out from XXXX 's website that companies are not supposed to be charging for help in repaying student loans. I asked DocuPrep to immediately return the {$790.00} to me that they had charged. I have not heard back from DocuPrep since.