davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (PA)

I was behind on my payments. I called them to make a payment to get caught up on XXXXXX2017. After I made the payment with a Wells Fargo representative I was told that the vehicle would n't be repossessed. The weekend following the conversation ; the truck was repossessed on Saturday morning around XXXX. I had to get a rental and missed a few days of work due to a processing error on their part. After contacting Wells Fargo, they returned the vehicle a few days later without any cost to me ; however at that time I was told that they would compensate me for their mistake, which was the cost of a car rental. After several conversations with no resolve, I decided not to make any payment until the unlawful repossession was taken care of, by means of Well 's covering the cost of the rental, which was promised to me. Which on my part was n't the correct way to handle the situation. After several weeks of attempts to have the costs covered ; I attempted to bring the loan current, since withholding payments were not getting the result I had hoped for. When attempting to make a {$4000.00} payment I was informed the loan was going to be charged off for being 120 days past due this was on XXXXXX2017 and I was also informed they no longer would accept any payment to bring the loan balance current. At that time ; with the last payment made with my calculation I was only behind 67 days not 120. Wells Fargo during the call forwarded me to thier national recovery center to discuss my options. I opted to open a case with presidents office of wells fargo which in return should have stop the repossesion as well as the calls from the national recovery center until the case was reviewed ; it did not. I also have been trying to make payments and have been informed " no payments '' to the loan would be accepted. On XXXXX.2017 I once again contacted Wells Fargo to make a payment ; at this time I was informed only a payment of $ 19,000+ would be accepted with a new agreement to then make four subsiquent monthly payments of {$4700.00} to make a total of {$38000.00} in less in 5 months.
Consumer complaint received 2017-07-20
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. (NJ)

XXXX has multiple accounts with my social security number attached to them in states i have never resided in. as a result the debt collectors have reported them to my credit report which is hurting my credit.
i contacted com cast., the collectors. and the reporting agencies. to date nothing has changed after 6 months
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Flagstar Bank, N.A. (TX)

I have signed a GFE for 3.75 interest rate and now I 'm being told it 's 4.515. I have tried to contact the agent and his manager repeatedly with no success. I was told I would get a refund for the appraisal and termite inspection and that has n't happened yet and It 's been about a month.
Consumer complaint received 2017-07-20
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. (GA)

Three months ago I disputed bankruptcy and lien information that is listed on my credit report, Equifax listed it as being verified but did not provided actual validation from the verified source. Effectively as of XXXX XXXX, the new consumer bill that propose changes to credit reporting and scoring. There are specific information that is required to determined the accuracy of what is being reported. After reaching out to the XXXX County Clerk of Record in my county regarding the information that is on my credit report and the process of how it is verified is by public inspection during working hours. No special provisions are made for reporting agencies. I would like concrete proof that these liens and bankruptcies are indeed accounts of mine, and promptly remove if not.
Consumer complaint received 2017-07-20
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: KEYCORP (MA)

XXXX XXXX now Key Bank has wasted my time over a yrs worth with promising to give a loan they knew I would never be approved for and allowing me to submit offers on properties and then on two occassions for an inspection. I wanted to put a bid in on a home and needed a pre qual and they took two weeks to get that to me claiming underwriting had a lot of requirements to meet before issuing a letter. The first depisit I put on a home I lost because on the day we were told by the bank that I would not get the loan because of my CREDIT SCORE, but not told to call the sellers or the money would be lost. The rewuirement for the loan was that the applucant had to have proof of rental payments for a year and on both occassions of dealing with this bank they knew I was not a renter. I have lost {$1500.00} wasted realtors time along with my family 's time. It almost seems as if this was sport rather tham serious business. I was trying to purchase a house butI was told I did not qualify for that loan but could get FHA and seller declined but for dome reason Keybank mailed out mortgage letter which stayed in the possessuon of the neighbors for 3 days and finally given to me Opened with all my personal information. Was never buying home but kept getting letters and kept calling bank to tell them to STOP. I can not get the wasted time bank but do feel as though the bank she refund monies paid out for no reason. If you have any question you can contact XXXX XXXX who had a lot of dealings with this bank on my behalf.
Consumer complaint received 2017-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (GA)

I made a purchase from Lowe 's that was financed by Synchrony Bank for {$1500.00}. In XXXX and XXXX it was advertised on television as zero ( 0 ) interest. Nothing was stated about monthly payments. It was also sated I must pay each deferred interest promotional balance in full by its expiration date to avoid paying accrued interest charges. I was also told I may at any time pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. I made advance payments that superseded any monthly annual payments. I paid my promotional balance in full before the expiration date. I was charged late fees, interest and received the most disgusting, harassing and false in formation was entered on my credit report. I am not the only customer with this problem. I spoke with various company representatives that supposed to record our conversation but it did do any good. This promotion in my opinion is the greatest bank scheme that is defrauding millions or billions of dollars monthly or annual from the consumer. XX/XX/XXXX I made the transaction for {$1500.00}. With zero interest and was told XX/XX/XXXX was my expiration date I paid {$66.00} on XX/XX/XXXX. {$500.00} was paid XX/XX/XXXX. Another {$500.00} was paid XX/XX/XXXXand my final {$500.00} was paid XX/XX/XXXX. Balance due now is {$950.00} for what? I did what I was suppose to do.I paid my bill in full before the expiration date. I have a Room To Go account serviced by this bank and the same thing happened.
Consumer complaint received 2017-07-20
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: TCF NATIONAL BANK (TX)

My Name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX, XXXX TX XXXX. I purchased a XXXX XXXX from " XXXX XXXX XXXX '' XXXX in XXXX TX. This transaction occurred on the 21 day of XXXX 2017. XXXX XXXX XXXX financed the sell and they obtained the necessary hard credit inquiry. In addition to XXXX XXXX inquiring into my credit, " Gateway One Lending & Finance '' a tcf bank company, also pulled my credit score. Also, on or about XXXX XXXX, 2017 " XXXX '' placed a hard inquiry which appeared on both XXXX and XXXX. Both credit bureaus decreased my credit score as a result of these inquiries. I have contacted both agencies and both agencies are not willing to delete the hard inquiry despite evidence, in the form of a letter from XXXX XXXX XXXX, indicating they were in error and requested that the inquiry be deleted. As you will see in the enclosed letter, they speak of me a being a " Valued and Loyal '' customer. In fact, XXXX 2017 I purchased a XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. So there really was a need to seek financing as I had it already previously secured and XXXX XXXX XXXX routinely do business with XXXX XXXX XXXX. I will submit a letter from " Gateway One Lending & Finance which has all of the information that I speak about. The " XXXX '' in a large lending institution who inquire for mortgage lenders, automotive sellers and other entities. I do not have their address or other information. I did get their phone number from the internet. I would appreciate any and all assistance that you can provide in this matter. Thanking you in advance, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (MD)

Receivable Management Systems has been reporting failure to pay a debt on my credit since XXXX. Since I first saw this on my credit I have made multiple attempts to pay the debt over the past XXXX years recently on XX/XX/XXXX I disputed the issue to receive no response from the company. During the month of XX/XX/XXXX I have left 6 messages for their dispute department and have not received a return phone call. 

Yesterday XX/XX/XXXX I spoke with a collections representative who said she had to record the call which I understood then said " we are reaching out to you to collect a debt ''. I replied since this is recorded please make note that I reached out to you all because there has never been an attempt made to collect this debt and before you started recording you verified that you all have made no attempt to collect this debt because I live in Washington DC, which is no longer the case and has been updated on my credit file and should have been the multiple times I have called to inquire and receive a bill regarding this debt. You all even have a phone number on file that was put in service after XXXX the original date of the bill but you all are stating that you have had not tried to collect this debt and that's concerning '' and you even tried to make light that I did not have the whole account number yet I gave you the exact information from my credit file submitted by you all. In which the representative responds " I am not going to argue with you are you calling to pay the debt of {$410.00} if not I can transfer you to disputes and they may call you back. I explained I have left multiple messages for them and received no response and she replied well I can't help you. 

This company chose to not bill me in Washington, DC because legally they could not pursue my medical in DC. Now, since I have moved to Maryland a state where they are able to enforce collection efforts they have not but they now want to charge me a fee for the time they could not legally collect payment. They are now charging me 3 times the original payment amount because they chose not to collect or send collection requests to any of the Maryland addresses that were updated in my credit file! I have offered sever times to pay the original debt minus the egregious collection fees and that offer was met with aggression. I am now willing to pay the original amount owed minus 30 % and no collection fees due to XXXX XXXX unethical and predatory collection practices.
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

Inaccurate Information Used In Credit Score Rating Provided by Equifax On XX/XX/XXXX I sent a letter to Equifax Info Svcs, XXXX, GA XXXX that stated the following : " My credit score report ( FICO Score XXXX based on Equifax data ) provided through my credit union ( XXXX XXXX ) indicates that a Key Factor impacting my XX/XX/XXXXscore is a Serious Delinquency. The report further states, Your score was impacted because your credit report shows one or more serious delinquencies. Copy of the Credit Score Rating report is enclosed. I dont recall ever having a delinquency and examination of my credit report shows no evidence of any delinquency. This error no doubt has caused my Credit Score to be rated incorrectly. " I received correspondence from Equifax dated XX/XX/XXXX. # 1 was copy of my credit file  Confirmation # XXXX which showed no delinquencies ever posted to my file. # 2 was Equifax letter, Confirmation # XXXX, saying the results of the dispute I filed are complete and giving info about the process. Equifax addressed my complaint as if it were about incorrect info in my credit report which was not at all the case. The info in my credit report is accurate in showing no delinquencies have ever occurred. The complaint was / is ; my Credit Score has been negatively impacted by inaccurate info reporting that I have a serious delinquency ( or any delinquency ) in my credit file.
Consumer complaint received 2022-10-03
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. (TX)

I am appalled by the lack of responsibility on the Credit reporting Agencies ' behalf. When will the Credit reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts. I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, the Credit Reporting Agencies has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the following accounts and verify if the information they report are accurate, if not, have the accounts DELETED AS SOON AS POSSIBLE : DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX   XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXXXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2017-07-19
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. (NY)

Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.
Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

XXXX XXXX had a substantial loss of income and his current monthly expenses increased, exponentially due to being diagonosed with XXXX XXXX, which has become increasingly difficult over the pasr few years, both physically, mentally, and monetarily. As a result of this, XXXX fell behind on his mortgage and it became a snowball effect that he could not manage nor control. He wants to save his home that he resides in, desperately, and from my research and past twenty years of experience in the filed of XXXX XXXX, he does qualifty for a loan modification. XXXX is hoping that with the assistance of this formal complaint, that he can have an assistance file reviewed by someone in the Office of the President at Chase, and not simply dismissed as he has been several times in the past.
Consumer complaint received 2021-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Customer attempted to use card on XX/XX/2021 and was notified that account was frozen due to suspicious activity. The suspicious activity started on XX/XX/2021 however Wells Fargo failed to notify that this was occurring. Money was transferred from customer 's savings to checking account and multiple withdrawals were taken from ATM for {$1000.00} and multiple purchases at various stores, particularly XXXX in XXXX XXXX and XXXX FL were made where items for less than {$1.00} was purchased and cash withdrawals of {$100.00} were taken. This is a deviation from customer 's account activities. Police report was filed and claimed made however claim was denied by Wells Fargo and no clear indication as to why. Customer was told that she had to prove that she did not take her own money and was filing a claim
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NJ)

I was contacted by Navient about the loan and they stated they would take me to court and garnish my wages if I did not pay immediately. I downgraded things at home to try to make the payment of {$110.00} per month and when I could not get work for the summer since I XXXX they started harassing me calling me 4 or 5 times a day hanging up when I answer. I told them the situation and they told me we have the right to call you since you are not paying and we will continue until you do. They even told me to go to a drug store or gas station to get a job just do n't sit there for the summer.
Consumer complaint received 2017-07-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Preston Clark & Quinn (CA)

I was contacted by Preston Clark & Quinn ( PCQ Associates ) in XX/XX/XXXX regarding a debt for a charged off credit card from the XXXX XXXX. I established a payment plan with them to resolve the debt, and made 2 payments onXX/XX/XXXX ( from two separate accounts ) to settle the debt in full. The company never sent me a paid in full letter per the verbal agreement, and has been unresponsive to phone calls, voice messages, and email requests for the debt settlement letter or contact information. The original creditor recently started to withdraw money from my military pay in XX/XX/XXXX, which is how I discovered that PCQ Associates defrauded me.
Consumer complaint received 2017-01-04
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jacob Law Group, PLLC (TN)

I have been paying on this account since XXXX. My balance gets higher even paying {$940.00} the last 4 weeks. I called Jacob Law Group and spoke to XXXX and she said I needed to enjoy my BMW and I needed to pay my bills. She refused to answer any of my questions regarding why my balance is showing {$960.00} on my credit report but she is stating I owe {$2000.00} as of Today 's date XX/XX/2017. She berated me constantly saying some of the most nasty things to me that did not even relate to my inquiry about why i still owe on this account. I have enclosed all my documentation to prove this company is ripping off people and I am pretty sure the fact I drive a convertible BMW that is 7 years old has nothing to do with this account. I was diagnosed with XXXX and money was tight for a while while i was out on XXXX. She told me to ENJOY MY GARNISHMENT! THE COMPLAINTS ON THIS COMPANY IS UNREAL!!!!! PLEASE DO SOMETHING
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ID)

I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

My loans was with XXXX XXXX now there with navient and from what it look like they are over charging me for these loans they keep adding way to much money on my account I really do n't owe that much
Consumer complaint received 2017-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA (KS)

This company, Goldman Sachs Bank closed my account without any notice, no secure message, no phone call, no letter, literally nothing and not only did they close this account on me without notice, but it caused my main bank, XXXX to freeze my entire account again with ZERO notice of this happening. When I tried to resolve the issue I was told they had closed the account as of todayXX/XX/XXXX2017 but yet I still was given no reason why ... I do n't understand how banks can get away with this, its one thing to reject a customer but no they accepted my application I did nothing wrong ... I have only had at most {$1000.00} in the account at any time and what exactly did I do wrong? I demand an answer or I will consider legal action.