davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

my son was still at tending college and they wanted me to start paying back on the loan. I originally started with   XXXX   XXXX   and  it was sold to Navient. They raised my interest rate and when my son was still attending school they wanted me to start repayment. when I called and they said I could defer they never told me the interest was continuing and the rate was going up.   I feel I was mislead in the agreement of the loan. my interest rate was not 8 % when I w  as with   XXXX   XXXX  .
I feel I was mislead with the terms of thi
s loan as with the interest rate being raised. <P/><P/> s
Consumer complaint received 2017-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: IQOR US INC (IL)

I just received  collection notice from Allied Interstate claiming I owe an alleged debt of {$200.00}. Please produce validation. Allied is going in the direction of reporting this alleged debt to the national credit bureaus.
Consumer complaint received 2017-06-15
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. (LA)

I have been trying to correct this entry since  XXXX     2017  with the collection agency and the letter was returned to me undelivable. The credit bureaus keep telling me it was verified but how can it be verified when the letter was never delivered and the investigation started in  XXXX   2017  and continues now  XXXX   2017
Consumer complaint received 2020-06-22
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: DataMax Corporation (NC)

I have XXXX. All medical bills are paid through them. But yet I have a collection from DATAMAX. I didnt give anyone the right to look at my medical records. I would like this removed
Consumer complaint received 2017-06-16
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. (TN)

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.
Consumer complaint received 2022-01-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MT)

I was a victim of a XXXX scam and am now out {$2000.00} because Wells Fargo is REFUSING to help me. Therefore I am opening yet ANOTHER complaint against them since they have denied my 2 claims : XXXX and XXXX stating the XXXX transactions were processed as requested which is not true because I was SCAMMED by an imposter claiming to be a Wells Fargo employee and even calling me from the Wells Fargo customer service number. Here is the story : On Tuesday, XX/XX/XXXX at XXXXXXXX XXXX  I received a text message from Wells Fargo fraud alerts asking if I attempted a {$2000.00} XXXX transfer. I immediately responded No ( see attached image ). Seconds later at XXXX XXXX I received a call from XXXX, which is Wells Faro customer service, so I immediately answered ( see attached call log ). The man stated he was calling from WF fraud prevention on a recorded line, sounded very legit. ( I can't remember his first name but his last name was XXXX ) He there was an attempted {$2000.00} XXXX transfer to an XXXX XXXX. I said I had no idea who that was and did not authorize nor complete that transfer. He said to reverse it I had to add myself as a recipient on XXXX with MY name and MY phone number and redo the attempted transactions. He had me send myself {$1000.00}, than {$1000.00} again. Than the call dropped. Immediately I received 2 text messages from XXXX XXXX stating XXXX XXXX sent you money ( see attached image ). I immediately called Wells Fargo at the same # that called me initially XXXX and filed a fraud claim realized I had been scammed. I was sick to my stomach. Wells Fargo has since denied my claims. They told me these were " authorized '' transactions and not fraud which is 100 % false. 

After Wells Fargo has been refusing to help me and doing much research and talking with MANY colleagues I have learned that Federal Law does protect victims of this type of scam. These kind of fraudulent transactions are covered by Regulation E, and consumers SHOULD be getting refunds. Regulation E is part of the federal Electronic Fund Transfer Act which REQUIRES banks to refund consumers for fraudulent transactions on their accounts. The CFPB put out a directive in XXXX stating the law applies " IF a third party fraudulently induces a consumer into sharing account access information ''. This is when someone tricks you, WHICH IS WHAT HAPPENED TO ME. So the whole idea that treachery is involved should me I AM protected by Regulation E. 
XXXX XXXX XXXX XXXXefunded their consumers who were tricked into transferring their funds by XXXX scams so WHY CAN'T WELLS FARGO DO THE SAME??? 

I have filed a police report and WILL take legal action if Wells Fargo can't step up to protect and help an innocent consumer.
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

CitiMortgage  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to CitiMortgage. Our attorney opened a motion with the courts and CitiMortgage then removed the impound account. Looking back at our monthly payments with CitiMortgage during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward CitiMortgage sold to  XXXX   XXXX  and then to  XXXX . Our final payment t o Citi w as on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted by  XXXX  saying we were 30 days late on our payment. We have disputed this with CitiMortgage,  XXXX   XXXX  and  XXXX . Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that CitiMortgage imposed on our account. We have bank statements showing all payments were made. There should be no late payment reporting in  XXXX    XXXX  . Please review proof of payment history and Bankruptcy documents.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (CA)

XXXX from Direct Express Debit XXXX XXXX ( XXXX XXXX XXXX XXXX, valid thur XX/XX/XXXX. ) send me a debit card. I call their customer service XXXX on XX/XX/XXXX, at XXXX, that I never apply for the card. All the customer service ask and repeated for my social security number only and then they hang up. I did a little research on the web that this is a fraud and now I do n't know what to do now that they had my social security number. The debit card as comerica bank on top right of the card.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (TX)

I've paid this account in full with acima credit but it's showing up a late payment which is not accurate and the truth in lending act section 15 u.s.c 1666b says A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless creditor has adopted reasonable procedures to ensure that each periodic statement including information required in section 15 u.s.c 1637a 1-9 of the truth and lending act I never received any of that information. If there's any rebuttal please send me documentary evidence 15 u.s.c 44 to support your proof of claim
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Conn's, Inc. (LA)

I purchased a new bed fro m Conn 's   XXXX , LA store in  XXXX  of  2017 . At the time of the purchase, I was shown a balance owed of  XXXX . When I received the invoice 2 days la ter ( an d after delivery ), the invoice showed a balance of  $ 1300+. I contacted Conn 's, w ho told me that there was insurance added to the bill. I remembered at that point that during the signature process ( which was done on a tablet ), the salesman conveniently expanded the screen so I could n't read what I was signing. I asked why and was told it was required, unless I had proof of homeowner 's insurance. I rushed to the store to provide it, to be told that they 'might ' remove it, but that it would n't change the payments . After 2-3 weeks of conversing with the company daily, I was finally told it was removed after 2 weeks. When I looked at my account, there was a small charge for interest for the time the insurance was on the bill. I then asked for a full accounting of the account, including when I would stop making payments. I a lso asked them to refund the interest amount on the insurance, which was refused. I have refused to make payments on the bed because none of this has been done, and I simply do not trust the company at this point.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   Experian Re : unauthorized inquiry To Whom It May Concern  : I would like to dispute an unauthorized inquiry from  XXXX   XXXX  made on  XXXX / XXXX / 2017 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Consumer complaint received 2020-04-22
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status t o 180+  days late and my score dropped.  AES will not remove these paid off accounts and they added false info when I filed a dispute.  The same loan is also on my reports multiple times. I dont know where to turn.
Consumer complaint received 2017-06-15
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and they brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I have yet to receive any letters on what happened with the deposit.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  XXXX   XXXX  ( and they will have record of it  )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximatel y 2  weeks later, another payment was made PAID IN FULL and   XXXX   XXXX   decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am have problems with Experian removing old names and addresses off my credit report. I sent them a letter in  XXXX   2017  along with a copy of my drivers license, social security card and proof of address, nothing was done. In  XXXX  I called them spoke with a man named  XXXX . He refused to remove the last name  XXXX  and  XXXX  address off my report. The addresses are as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  I explained to him that they are inaccuarte and not deliverable to me and it was against the fair Credit Reporting Act laws to not remove the former last name and old addresses but he said he can not remove them. Ireally need some assistance.   Thank you for your time.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   RE  :  XXXX
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

Per Loan Servicer ( LoanCare ) 's instruction on PMI removal, I sent in a check in XXXX which the servicer cashed on XXXX. XXXX, XXXX as the payment for requesting appraisal for the updated home worth. Though promised to have written communication about this in 60 days, I 've not heard a thing from them. <P/>My concern is that it 's not in their interest to remove PMI as they should, so they deliberately cash the check and not doing anything as I pay monthly PMI during the delay. I feel my rights violated and being played by big loan company.
Consumer complaint received 2017-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Assent Inc. (WV)

The following companies have accessed my credit report without my request, consent, or permission. They also have no need to do so as I have never requested credit from them and do not have an account with them. I am a victim of cyber stalking and harassment and have restraining orders to prove it if you need them. I would like the following companies investigated and a written statement from them stating WHY they accessed my credit report, who requested it,  IP addresses if  it was done online, and any email, phone numbers used to do so.  <P/>    XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  , IN  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , NY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , SD  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   These companies were not contacted by my and did NOT have my permission or any reason to check my credit.
Consumer complaint received 2017-10-16
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: ID Analytics, Inc. (MO)

I had recently talked with a car dealership salesman in XXXX MO. I never went into the place. I talked to the salesman once and also by texting. He kept trying to get me to come into the lot to look at cars. It was within 2 days I started receiving denial letters from so many companies. I have probably received 6 as of today. It has only been probably 3 weeks since I talked to the guy at the lot. It seems like every letter I have there is a XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX which is saying they were in part the reason for the decision and the information they received from them. I do n't know anything about that company on top of all the companies that ran my credit. It shows on my credit there has been around 15 hard inquires. I am frustrated by all of this.
Consumer complaint received 2021-02-20
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (WA)

IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me. 

They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX. 

They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place. 

Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy. 

I emailed them asking to no longer contact me by phone today.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

This dispute involves an instance of check fraud perpetrated on my personal checking account with Chase bank. XXXX XXXX XXXX was also involved, but has been very cooperative and I have no complaint against XXXX XXXX XXXX. 

Background : Someone had stolen an envelope from the mail containing two checks, dated XX/XX/XXXX, which I had mailed to my landlady on XX/XX/XXXX. One check was from my XXXX XXXX checking account, and the other check was from my Chase bank checking account. The individual who stole the checks, altered the payee name on both of the checks ( which was very obvious ) and either cashed or deposited the checks into their bank account, and, thereby, fraudulently collected the money from both of my personal checking accounts. 

The amount of the XXXX XXXX check was {$850.00}, and the amount of the Chase bank check was {$1700.00}. Both checks were cleared by both banks on XX/XX/XXXX. 

On XX/XX/XXXX, I realized what had happened and immediately reported the fraud to both XXXX XXXX and Chase bank. I submitted a notarized affidavit as required by Chase bank, and attached all of the relevant documentation to aid them in their investigation. 

XXXX XXXX XXXX took my information over the telephone and assured me that my money was insured, and that I would receive my money back if they determined this was a legitimate case of check fraud. XXXX XXXX has now concluded its investigation and will be returning the {$850.00} to me. 

Chase bank has told me that they are continuing their investigation, which can take from 30 to 60 days and could not guarantee that I will receive my money back. This is not acceptable to me. This was their negligence in allowing an altered check to go through my personal checking account thereby causing the theft of {$1700.00} from my personal checking account, and this is the reason I am lodging this complaint against Chase bank.
Consumer complaint received 2017-06-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION (MI)

I called in   XX/XX/XXXX  to see w hat amount was needed to bring the account current. I was told I needed {$3800.00}. I called back about a week later and paid {$3800.00}. I 've made payments on time since I supposedly brought the account current. Now I 'm being told the account is past due {$1200.00}.