davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (TN)

I am following up on my prior complaint as I am unable to add documentation or edit said complaint. Once again I was on the phone with XXXX in order to rectify the derogatory credit rating that they applied to me by dropping my credit score by 66 points due to the Cares Act Mandated requirement to defer my loan. This was done without my permission. I am paid over one year in advance as well as began payments prior to the required time to pay the loan. I paid while my daughter was in school! I have never been late. I was once again put on hold with this company for over one hour ( I have phone records to prove this ) and finally hung up. It is quite clear that they have no interest in fixing any of this. Prior to requesting I be transferred to a supervisor as I was told that this would be looked into, I spoke to XXXX and she said that it was in review and that nothing could be done. I want my credit score to be what I have worked hard for it to be. I want it reinstated to the score it was prior to XXXX deducting 66 points and better as I have since paid off or down on more obligations. This is a direct violation of the CARES ACT it should not even need to be in review. I quote, " The CARES Act suspends student loan payment obligations through XX/XX/2020. During that time, borrowers ' credit reports are supposed to reflect the loans as if there was " a regularly scheduled payment made by a borrower. '' This requirement is also reflected on XXXXXXXX XXXX own website, which explained in a blog post that " the Department of Education will report suspended payments to the national credit bureaus as though they were on-time payments. '' Despite requirements under the law, public complaints from borrowers like lead plaintiff Mr. XXXX reveal widespread, improper furnishing and credit reporting. Specifically, borrowers whose loans are serviced by XXXX XXXX complain of their damaged credit caused by no fault of their own. Following borrower complaints, XXXX XXXX has publicly acknowledged its error. 

XXXX XXXX is the government student loan contractor that handles loans for more than 8 million customers and is the largest servicer of borrowers with federally held loans. Today 's lawsuit demands XXXX XXXX immediately cease violating the California Consumer Reporting Agencies Act. Today 's lawsuit also demands XXXX, XXXX, Equifax and XXXX XXXX XXXX immediately cease violating the Fair Credit Reporting Act, the California Consumer Reporting Agencies Act, and California 's Unfair Competition Law ... .. '' and it goes on this is from an article https : XXXX? XXXX. I would like this fixed no. There are absolutely no excuses. Shame on XXXX, EQUIFAX, AND XXXX XXXX! I expect this agency to do something about this truly. This is in direct violation to what the CARES ACT was  designed for. It is supposed to help not DAMAGE!
Consumer complaint received 2020-05-22
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: CITIBANK, N.A. (CA)

on XX/XX/2020 I purchase an airline ticket for my daughter to travel from XXXX to California. The trip was cancelled on XX/XX/XXXX by the airline and my daughter was not able to flight back to America. 
I contacted multiple times XXXX to get my refund with not success. for that reason on XX/XX/2020 I open a dispute with Citi bank. and now Citi bank says that the merchant offer me a voucher. I want you to know that as of today XXXX said to me that they are waiting for XXXX to answer to issue a refund. 
Citi close my case and side with XXXX. 
I received two days ago an email from XXXX saying that they are waiting for XXXX   to issue the request. 
The issue here is that XXXX refuse to issue the refund and Citi bank side with them. 
My Dispute number with Citi is : XXXX
Consumer complaint received 2021-04-25
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: EQUIFAX, INC. (AZ)

I just received my credit report and I noticed the following inquiries that are not linked to any of my accounts. 

Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX APPEAL, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX AUTO FI, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Automotive - XXXX Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX XXXX DEALER S, Inquiry Info : HARD Inquiry : Finance - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Credit Inquiry from XXXX XXXX, Inquiry Info : HARD Inquiry : Finance - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX XXXX XXXX, Inquiry Info : HARD Inquiry : Banking - XXXX Credit Inquiry from XXXX, Inquiry Info : HARD Inquiry : XXXX  - XXXX Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX XXXX  XXXX XXXX Creditor : XXXX XXXX
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

XX/XX/2020,,, Contiued,, Issues That Was Not Finished Yet,,, My Feelings About These Issues Is Not Over Yet, This A Very Heart Felt Exprience That Took Place Old And New,, Yes I Stll Feel Overwhelmed About These Matters,, Now I Have Been Very Patience With These Matters,, About Still, No Response,, But Letters If This Bank Really Wanted To Take Care Of These Issues,, Move Forward And Do Something about,, These Matters Quickly,,, In Order To Move Pass Old Hurt,, Is To Fix The New Beginning,, Yes,, Do I See Them Trying To Fix This Mess,, No!!!,, Very Slow,,!!!,, I Would Appriecated If They Stop Senting Me Letters Of Lies, After Lies,, So UnAcceptable,, Start By Sending The ( TRUTH )!!!
Consumer complaint received 2019-10-22
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. (MT)

I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureaus. This negative reporting has had a severe damage on my credit score & credit worthiness. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. This is a list of alleged late payments : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

NOTE : I have requested this same information to be provided to me by XXXX and as of todays date XXXX hasn't complied with my request.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (PA)

According to the Pennsylvania Department of Transportation 's Repossession Laws, the Creditor, XXXX, was to follow laws put in place to protect their business and myself. The law states that I should have received a letter notifying me of the repossession allowing me 15 days to try and recover the vehicle before auction, and second, I was to receive a letter after the auction that stated the sale price and the new deficiency. XXXX DID NOT SEND THE LETTER which means they are not in compliance with Pennsylvania Laws. For that reason, for an error on their part, the repossession should be removed from my credit file because they are not in compliance.
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (TN)

Equifax should not be reporting a collection/chargeoff on the XXXX XXXX partial account number XXXX. This account is being reported as a duplicate with a higher, incorrect balance. I have attached a copy of the duplicate accounts from my credit report. Please remove this line item. It is a violation of the Fair Credit Reporting Act to not report accurate information. This false reporting of a duplicate account is harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2018-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

I have been attempting to work with Wells Fargo since XX/XX/2016 to avoid foreclousre. I cintact them immediately when I knew there would be an issue covering the mortgage and beagn working a realtor, as advised by Wells Fargo, to attempt to sell the home. 
As I've moved through the loss mitigation process from traditional sale, to rejected offers, to short sale, to deed in lieu, I have been repeatedly misinformed by Wells Fargo, reassigned to no less than specialist 7 specialist, and contiuously asked to resubmit documents that have already been submitted as requested within the stated deadlines. Due to their admitted errors I was previously been denied a short sale review, and most recently a deed-in-lieu review, despite their records clearly indicating that all of the requested documentation was received prior to teh deadline.
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (FL)

I have an XXXX XXXX XXXX account card that went past due, and was closed. I was called by a XXXX XXXX representative over the phone, and was told to enroll in a series of payments that would bring my debt down to XXXX in 6 months. He gave me the payment schedule, and the amounts that would make this happen. I agreed and verbally authorized the payments from my account. I recently checked my account, and my payments have posted 6 days early, yet I am being charged late fees which will prevent me from paying the account down on the promised timeline. I called the bank, they refused to refund the late fees, and I was told that no matter what payment plan they had set up, I would still have to pay the fees until the amount was paid in full. I was then told that despite what plan I may have set up, it would not satisfy a " third party '' collection agency. So, that means that they 're still collecting on debt they 've already sold, or I 'm paying two different people for the same debt. I was unable to get a straight answer from anyone at the organization, and this feels fishy in my gut. Something is n't right.
Consumer complaint received 2019-10-22
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

In reference to XXXX with Consumer Finance Protection Bureau.  Ditech had not only lost our two payments, but has finally found them at the conclusion of the above complaint number. They had said they would apply the funds and fix any late charges due to their losing our payments. After going on their website at the conclusion to the above number, I found that they had not applied any of the funds and still showed us as being late for a payment that they had lost last year that took three plus months to resolve. After sending them a comment on this on their website, they applied the funds. They then sent us a letter stating that we owed {$7.00} dollars and some change for a late charge from this past fiasco in XXXX and XXXX. I am not paying any late charge because they lost our payments, and they had said that they would take care of the late charges. This is harassment! Now, they have reported us to the credit bureau for " Being Late. '' This is ridiculous! I am tired of their tactics, I waste hours of my day trying to call them and staying on hold to end up with a person that can't do anything other than say they will look into it and meantime I continue to get letters from them threatening to take our house and so on. I believe this borders on being personal. I have never had this problem with any mortgage company that I have dealt with before. It is their own ineptitude, that is causing these issue!
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (CA)

In XX/XX/XXXX I was contacted by a third party ( did not know they were a third party at the time ) advising me they were from the Dept. of Education and were dealing with my student loans directly. 

I was told by the gentleman on the phone that I qualified for an income based program administered by the Dept. of Education which would allow me to make 3 payments of {$260.00} and all subsequent payments until XX/XX/XXXX would be deferred upon reevaluation of my income. 

I was obviously skeptical and questioned several times asking to confirm he was in fact from the dept. of education and after seeming to be trustworthy, I was convinced he was there to " help me '' I submitted my 3 payments and assumed I was clear from having to pay anything further until my next evaluation period. 

It wasn't until a few days ago when I noticed my credit score took a complete nosedive that I realized I was in default of my student loans - which I did not want. I contacted my student load servicer and was informed I most likely was contacted by a third party stating I qualified for a program through the Dept. of Education when they in fact weren't and the funds I submitted were not used towards paying down my student loan dept.
Consumer complaint received 2020-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Titan Receivables, Inc. (CA)

on XX/XX/XXXX i mailed a certified letter to titan receivables inc to verify a debt of XXXX $ i observed on my credit report. according to the fair credit reporting act they have 30 days to verify my letter or remove it from my credit report. i also mailed a verification letter XX/XX/XXXXin which they did not respond. i would like this collection removed from my credit report because i have not signed any contract with this company also they failed to verify
Consumer complaint received 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Every year for the last 4-5 years Well Fargo has sent us threatening letters at every renewal period of home insurance. 
Our insurance is paid every year on time and regardless of which company we have, the correct first mortgagee is listed. 
This is ridiculous that every year I have to time time to answer to what I consider and inept loan servicing dept. I know this for a fact because in previous years, we personally sent the paperwork in as policy providers changed, only to still receive the same notice and threat to purchase home insurance.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (IN)

I was sent a refund check by Citi Card Add-On Remediation dated XX/XX/2018 in the amount of {$730.00}. I did not take it to the bank immediately and forgot all about it until I was going through some papers while on quarantine. I did not cash the check and it expired after 180 days. I immediately called the number on the back of the letter, XXXX, which is no longer in service. I then called XXXX several days in a row and was literally on hold for hours each time. On XX/XX/XXXX I sent @ Citi a tweet and got a quick response. I explained that I would like to be reissued the check. I also attached a picture of the check as well as the letter. I was told to check with unclaimed funds ( I did and it was not submitted ). I was then provided the XXXX number again and I called. I spoke with both an associate and a supervisor and was told by the associate that I would have to contact the company that issued the check. Citi did issue the check. The supervisor told me that if I did not have an open account, they could not help me.
Consumer complaint received 2021-02-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

XXXX XXXX of 2021, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX Account number XXXX and XXXX. I have asked numerous times for a response and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2020-05-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NY)

I do not think that NAVIENT completely understands the importance of reporting the account accurately. After submitting my dispute for this account same information was provided and it seems that nothing was reinvestigated. The credit has a different report for payment history that varies to the credit bureaus. NAVIENT has been very inconsistent and irresponsible on reporting this account. I attached my specific dispute from this creditor. Please report this account with 100 % accuracy that is important to reflect my true credit score. 

I do not want any invalid, missing, and inaccurate information on my credit report.
Consumer complaint received 2020-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient emailed me about an Federal Education Financial Aid Ombudsman Group service I said NO and I give no one my permission to submit any documents on my behalf to any Ombudsman Service. I have never been contacted by any Ombudsman Services and I will no longer accept any email or phone calls from Navient. Navient has been blocked from all my devices. Navient is not my servicer or Owner of any student loans. I will not accept any mail from Navient it will be returned to Navient.
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED COMMUNITY BANK (GA)

United community bank allows my wife without my permission to pay a debt ( which they hold ) They will not allow my wife to withdraw money from the same account because they say its illegal for them to do that When she lays the loan they told her the wrong amount And proceed to charge me {$20.00} late fee every time the transaction is made It is a very sneaky tactic and the very least I want is the late fees to be removed
Consumer complaint received 2020-05-22
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: EQUIFAX, INC. (AR)

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify  accurate information these accounts must be removed in accordance to the law.
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I had a checking account with chase bank, that I opened in.person. my account wasn't overdue, overdrawn and I had no outstanding balance or negative transactions. A few weeks ago I opened a savings account online via the mobile app and deposited XXXX chase money orders that I intended to use for something else bit never did. Chase restricted my account and then closed it citing possible fraud. I went to XXXX different branches and spoke with XXXX different bank managers and they both said that they were not sure why this happened even after I presented proper identification.i feel that chase has economically distimanted against me due to my financial status.
Consumer complaint received 2021-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IL)

Received calls from so-called Discover card saying they are offering me a discounted interest rate on my Discover card. I do not have A Discover card and Ive asked to be removed from the list but they keep calling. 

Calling from number XXXX XXXX and XXXX XXXX.