davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

I had an XXXX appointment on XX/XX/2022 at Wells Fargo in XXXX, GA with XXXX XXXX XXXX, in which I planned to set up a Business Checking Account. This was in response to a mailer I received at my office address, also in XXXX, Georgia. 

For verification purposes, I provided her with my driver 's license, US passport card, XXXX letter from the IRS, and original LLC filings with the state of Georgia. She took additional verification steps and printed the current documents from the Georgia Secretary of State website. Even though these documents show " Active/Compliant, '' she advised that she needed to be sure that my office address was indeed my office address, and asked for my current leasing document. 

I found this to be odd, but complied. While sitting in her office, I found an email from my landlord on my phone and emailed her a copy of my renewal lease that was sent to me just a few months back. This still was not enough for her. She printed the document and asked me to sign it. Alternatively, I was told that I could come back later that afternoon with a signed copy of my leasing document. 

In all my years of dealing with financial institutions, I have NEVER been asked to provide a leasing document prior to opening a business account. In fact, requiring this document from me would imply that Wells Fargo does not offer business accounts to anyone without commercial office space, and I know that isn't the case. 

Coincidentally, I just opened a business account with XXXX Bank on Tuesday, XX/XX/2022. They didn't require a leasing document nor did they even ask for one. Providing them with the mailer I received at my office address was good enough. 

I called Wells Fargo at XXXX and filed a verbal complaint with XXXX XXXX. She gave me the mailing address to the XXXX office, and I will be mailing them directly. I also plan to file a complaint against Wells Fargo to the Attorney General 's office and the Federal Reserve.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IA)

I sent XXXX $ on XXXXXXXX XXXX XXXX by money Gram XXXX XXXX XXXX XXXX Iowa , but after 3days they did not delyvery to my family,,, in XXXX XXXX
Consumer complaint received 2018-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (AZ)

Caliber Home Loans has decided that they are going to charge a {$3.00} fee to make my mortgage payment on time. I did not agree to this when I signed my loan documents. Caliber has routinely tried to charge me late payment fees even when payments were made on time. It does not surprise me that they are trying to charge a fee to pay them interest. This type of practice needs to be abolished.
Consumer complaint received 2023-04-03
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 (OR)

I need a way to access my account. This company started apparently requiring a mobile phone to do that when they never did before. I do not have a mobile phone and I need some way to access my account. Preferable would be to put this un-American bad company out of business..
Consumer complaint received 2022-05-05
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX, XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 account without my written instructions
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (MI)

To whom it may concern, I have been trying to fix my credit from past mistakes I made in order to buy a home in the future. When checking my credit report with Experian and XXXX I noticed a lot of unauthorized hard inquiries on my report. I called Experian and XXXX several times and also disputed those negative items and they have not been removed. On my Experian report the only items that shall remain that I authorized are from XXXX, XXXX and XXXX Credit Card. There are some from XXXX that should of fell off in XX/XX/2017.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (DC)

I disputed items on my Equifax credit report both with Equifax and the creditors. As a result, my score dropped XXXX points on XX/XX/XXXX. The creditors wore XXXX and XXXX. In XX/XX/2017 this happened also. In this case, my score dropped XXXX points. The creditors that time were XXXX, XXXX XXXX and XXXX. In XX/XX/2017, there was a XXXX point drop for the same reason of disputing items in my report. That time, the creditors were XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. Altogether that is a XXXX point drop of my credit score for doing what I believed was my right under FCRA.
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (TX)

Experian is reporting child support as a loan. This reporting includes payment history. It's showing on my credit report as an installment loan. XXXX disputed with experian twice. The second time. They completed the dispute in a day. They did not change the way they reported. It is my debt, they should not be reporting it as an installment loan though.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OR)

I have paid XXXX the amount I owed them twice already of {$310.00}, each time to a different collection agency. Now, three years after i paid off the last collection agency I received another collection letter that I owe them another {$310.00} and this is a third different collection agency. I do not owe XXXX any more money.
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX  an XXXX XXXX ) Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Consumer complaint received 2016-07-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

my XXXX lender was XXXX XXXX, my XXXX lender was COUNTRY WIDE MORTAGE, & my XXXX lender was BANK OF AMERICA .How did B.O.A. end up with my mortgage legally & eventually foreclosed on my home.I lost my home in the end..
Consumer complaint received 2020-04-08
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} XXXX XXXXXXXX {$22000.00} XXXX XXXX {$310.00} XXXX  XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXXXXXX XXXX {$280.00} XXXX AR XXXX {$400.00} XXXX XXXX {$210.00} XXXX   XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX XXXXXXXX {$310.00} XXXX XXXX XXXX {$17000.00}
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

the bank wells fargo told me in a recorded conversation according to their policy an account can not be put in the negative to pay the bill pay feature. the bank changed their web site and an unauthorized bill pay for {$140.00} came out of an empty checking account to pay the wells Fargo credit card. 
then the bank charged me {$35.00} overdraft fee and stole a total of {$170.00} dollars from my checking and the funds were never applied to my credit card. 
this is fruad and i am a service connected XXXX and i can not afford to pay wells fargo to steal from my account. I have spent hours and weeks and months trying to fix wells Fargo 's NUMEROUS so called 'mistakes ' and would sue them for sever emotional suffering ut i do not have the money or an attorney and i am XXXX
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (WA)

My mortgage application was mishandled by Wells Fargo Home Mortgage. They took 3 weeks to process ( when they committed to 5 days ) and then denied my application due to " insufficient savings history ''. I tried to provide info to support the savings history but they mishandled it. I opened an investigation with their customer service and they provide incorrect statements in their final report ( flat out lies ) so I am reaching out to you for help. I was able to get a mortgage with another bank but it cost more in fees and interest rate. 
WF is deplorable! I hope you have time to investigate this before XXXX takes away your funding. : (
Consumer complaint received 2016-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

I applied for a Loan Modification with Well Fargo ( WF ) due to extreme hardship. They denied me based on false income information. Even though they had copies of my pay stubs, they ( WF ) decided to increase my monthly income by {$1600.00} so that they could denied me a Loan Modification. I will attached a letter that explains more details.
Consumer complaint received 2017-04-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OR)

Well, I graduated College in 2007, Soon after then, XXXX XXXX wanted to collect, I tried to set up a payment I could afford, but they pushed deferment on me. The thought of no payment sounds great to a struggling single mother. As time went on and no other options where given to me when I asked for payment relief it was never anything I could afford, so my family suffers from high payments. I find my childrens needs much more important than Navients. I lost my job two years ago and all they can offer me is interest payments still way to much for me to afford! One of their employees was so mean when I was trying to work some kind of payment plan, she told me I needed to sell my car to make the payments. Totally out of line! So here I sit at the end of my six months of " interest payments " my payment is now {$80.00} more, I have no options but to be delequent? I have Federal loans that are under Income Base Repayment this is working for me. It is my understanding Navient should be providing something similar? ..I just do n't have money to pay them, it finacially straining on my family. I find talking to them is demoralizing, just because I am poor. This company accutually causes XXXX, XXXX, and hardship on families.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, I am currently looking at my credit score on XX/XX/XXXX and notice a few things still have not been removed as I was told they would be. Derogatory marks reported on XX/XX/XXXX would removed completely off my credit file and it is currently still showing. Any responsibility I had with them was validated. On Hard Inquiry It still shows from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. ( This was fraud and was never authorized by me ) I have contacted the company multiple times to show me proof type of proof that I personally signed up or did business with there bank. They kept saying they would get back to me and now it's been well over 60 days which to my understanding of the fair credit act means it should come off since they have not provided any proof on this?
Consumer complaint received 2022-05-05
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX, # 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 an account without my written instructions
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

JPMCB Card Services is reporting my credit incorrectly for XXXX, XXXX and XX/XX/2019. This is due to 2 factors. First, when I setup a repayment agreement in XX/XX/2019, the representative whom I spoke with advised that I could choose my due date. However, what the rep did not disclose was that I was choosing my draft date for the payment, not the actual due date. As a result, my payments were drafting after the payment due date. This came to a head in XX/XX/2019 when I spoke with a rep to make payment. During the call, the rep told me " you are already 30 days past due ( the due date was still the XXXX for XXXX 's payment ). '' And then, he said " don't worry about that '' and make the payment when you can. I am asking for JPMCB to correct my credit for the XXXX, XXXX and XX/XX/2019 reporting dates due to their misleading practice of allowing me to set a payment draft date AFTER the payment due date as well as for the representative in XX/XX/2019 who advised me to " not worry about my credit ''. Since then, I've tried to speak with customer service, only to be redirected to different departments without any resolution. Now, with the COVID-19 pandemic, I can't even get through to a representative. In fact, I've been hung up on twice and since then have had to wait at least 45 minutes each time I've called before hanging up because I have to return to work ( can only make calls during my lunch break ).
Consumer complaint received 2017-04-10
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ZENCO COLLECTION, LLC (SC)

ZENCO continually call me or wife for debt they say wife owes for a credit card debt 30 years ago and threatening to send to district attorney or placing a levy on my property. They called my wife around XX/XX/XXXX with our banking account number and amounts threatening to put a lien on property. My wife got scared but hung up before they transferred her to the finance department to authorize a debit from the account. They subsequently sent her an email with an authorization request to debit the account asking for signature, which she nor I signed. On XX/XX/XXXX they collected from our bank account without proper authorization. On XX/XX/XXXX I reported it as fraud to the bank and they reversed the electronic transaction. On XX/XX/XXXX ZENCO called my cell phone and threatened me with bank account levy action for having the bank return the electronic debit check.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (OH)

RE : BARCLAY CREDIT CARD : A tow company charged my card {$60.00}, after the charge was paid by a third party. I contacted the credit card company. They did not issue a provisional credit, nor did they send any type of form, so that I could submit further information. I called the credit card company back and was advised that the group would get to it when they get to it. The credit card company contacted the merchant, and took the word of the merchant that the charge was legitimate, even though I, their customer, advised it was not. I then received correspondence stating the charge was, in fact, legitimate and that I had received a service. I, again, telephoned the credit card company to state that their correspondence was incorrect. I was then asked to send anything showing that the third party had taken responsibility for the charge. I faxed the email proving the third party had taken responsibility for, and paid, the charges. A few days after sending the proof to my credit card company, I received an alert from a credit monitoring service showing the credit card company had reported the dispute as resolved. Again, this was reported AFTER it was requested I submit further information ... RIGHT after. I then emailed the CEO, as well as another executive within the credit card company. I have received NO response from either party, or anyone on their behalf. I also contacted the credit card company via XXXX, twice, and they provided no help, with non-answers. Promising to assist, the company advised, via XXXX, that they found my account had previously been noted. This, of course, was of no help. 

In addition, the charge was not even for my vehicle. The correspondence from the third party paying the charge stated it was my vehicle, but it was not. I was merely involved in assisting the party whose vehicle was mistakenly taken by the tow company, which is why the third party paid the charges. I thought the credit card company was supposed to be looking out for me, as their customer.
Consumer complaint received 2017-04-10
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I am writing to your agency because I am very upset the way my bank handled my dispute, they did n't even consider investigating.  Citi Bank (    XXXX   XXXX   ) told me I had 60 days only and I have been told I can dispute under claims and defenses and I have 538 days. It seems like my bank is taking the merchant 's side and It is not even giving me the chance and did not even consider to open an investigation. The merchant   XXXX   XXXX   XXXX   XXXX  , charged me {$6100.00} on  XX/XX/2015    and they contacted me by phone and told me their services were necessary for my online business make money, they said they got referred from   XXXX   XXXX   another company that I was working with at the time. Also they said they would implement the work that   XXXX   XXXX   was doing for me. I was supposed to get leads and visitors to my website. I never got any results. I am trying to dispute with my bank since I did not get any services rendered and the company ignored my requests of refund.
Consumer complaint received 2020-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

XXXX XXXX closed my frequent flyer account stating that the miles I obtained from Citi Credit Cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX miles activity of my CITI cards.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

Every time I had trouble making payments, the reps at Navient advised me to take a forbearance and stated " it 's okay, just put your payments on hold and then try to begin payments in a year or so ''. The additional interest rates that added to my total balance make it so much harder to pay down my balance. I switched to another lender ( XXXX ) and they have me on an reduced payment program. I feel that the interest added on by Navient should be removed so I can responsibly pay off my debt.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I contacted the credit bureau to inform them of XXXX hard inquiries on my credit report that are not accurate. I requested of them to be removed. In response I was told it 's nothing they can do about them. They ca n't remove the hard inquires. It states that if something appears on my report that is not accurate I have the right to request to have it disputed.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (PA)

When I began repaying my loan back before Navient took over and the company was still XXXX, I owed a little over 14,000. 5 years of repaying my loan and my balance is still the same if not higher. I called Navient to find out why this was and received nothing but double talk and unanswered questions. At one point I was paying MORE than the minimum, so the interest talk I was not trying to hear. They are not applying funds to my principal and I want an updatedblance with a true amount I should owe. Never borrow from these scam artists ....