davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-16
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: ADP Inc. (FL)

Where do I begin with this Company. First let me say within the past 2 years I've deposited almost XXXX in wages to my account. Every single time I have a problem they make it even worse and even more stressful. I recently called to file a dispute for a copious of unauthorized charges made on my card. Today XX/XX/2022 I called customer service 4 times back to back to get a tracking number for my card which I paid to be shipped overnight, just to be hung up on. With no returned phone call. They ask for a callback number each time you call. For what?! All 4 reps did the same thing hung up and didn't bother calling back! These calls are supposed to be recorded, correct? I hope ADP by Wisely check on their customer service reps because they are extremely unprofessional and rude. I don't know where my card is and I have bills to pay. At this point I feel betrayed by this company. Let me say it again almost XXXX in wages in the pass 2 years. I'm considering closing my account and having my paychecks sent to my regular everyday checking account my main bank would've been rectify this issue. I cant pay for groceries, bills, gas, etc because of this dispute and waiting on my card. Today XX/XX/2022 I will be filling out and sending the statement of fraud back in for my dispute. Which ADP by Wisely should receive by XXXX XXXX no later than XX/XX/2022. There are 2 options to send in the form email and mailing it in. I will be mailing it in using XXXX XXXX with proof of delivery simply because I don't trust this company customer service. This is an extra cost that I have to come out of my savings to pay for because I have yet to receive my card with over XXXX in wages on there. I have almost XXXX in unauthorized charges on my card. Who knows when and if I will ever see that money again. I was told the dispute investigation could take up to 90 days! I asked how about provisional credit as my other bank would've gladly provided given the situation and banking history with them. I was told they cant provide provisional credit as this is a " prepaid card ''. I don't know if these customer service reps make up their own rules or if this is indeed factual. Been with ADP for about 3 years because my employer uses them for paycheck deposit. I think I will soon be severing my relationship with this bank. I'm tired of the nonchalant attitudes and condescending tones when I call in with an issue. They are unprofessional, unorganized, rude, and unsympathetic. If possible stay away from this company because they do not treat their customers like valued customers. No matter how much money deposited to ADP by Wisely card, seems like all their customers are just another number to them.
Consumer complaint received 2023-01-10
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Im a widow my husband passed away on XX/XX/2013 and we have a reverse mortgage on our home. I am the co-borrower on the signed closing documents. When my husband passed away Wells Fargo came at me with a foreclosure, stating that I was not on the mortgage and that I had to prove that this was my home. They denied that I was a co-borrower and my name is signed on the line that states co-borrower and I had been married to my husband almost 60 years. I immediately seek an attorney to help fix this problem after years paying this firm almost {$30000.00} Wells Fargo in the middle of the process sold my mortgage to another bank and they started foreclosure proceedings as well. Hired another attorney firm and when we were about to finish the process this bank which is called XXXX XXXX thats an affiliate of Wells Fargo I was told sold it to another mortgage company named XXXX Mortgage which made me again start the process all over again. Im an XXXX XXXX XXXX woman that is trying to fix this problem and still have not been able to do so and when Wells Fargo had the mortgage they would not recognize me as the lawful owner of my home even though in XXXX XXXX that I live in the deed of the house is legally in my name. Please someone help me because even my attorney which is a new one can not get through any of these banks to finalize this mistake and deem me the owner of my home. Also, my grandson has been fixing my home because it was falling apart. XXXX put a brand new roof and storm windows and doors new fence and paint so it would not look like a haunted house. XXXX put almost {$100000.00} in upgrades to the house and these people wont even negotiate any
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (DC)

Received a new letter for an increased amount of XXXXXXXX Citibank in IL closed my DC account, and still has yet to respond to my initial complaint. 

This is harassment on a person with disabilities. This is also not acceptable due to my status as a federal public official ( past ).
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Specified Credit Association, Inc. (CT)

XXXX XXXX XXXX of XXXX was notified on XX/XX/22 of cancellation of membership and any association with the business. Membership would be cancelled. Reply noting receipt of cancellation received by XXXX XXXX XXXX on XX/XX/22. 

On XX/XX/22 I received a call from a collections agency who did not state their name but stated calling on behalf of XXXX XXXX XXXX  for the amount of {$870.00} and stated that this would affect my XXXX XXXX even though I cancelled prior to incurring any of these charges/fees. Agency phone # XXXX. 

On XX/XX/22 I sent mail and email to XXXX XXXX notifying that any communications from them or parties on their behalf will be viewed as harassment and I will seek legal counsel to protect me from such harassments. 

This serves to notify that I have received no goods or services for the amount to be collect and that I have, hold and want no association with XXXX XXXX XXXX of XXXX or any associated parties.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, chase bank NA froze my funds and my business account due to a check that had a error, they have already reached out to the owner of the check and confirmed it was an authorized check, however Chase is still refusing to unfreeze my account. and holds {$720.00} locked.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; e to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.
Consumer complaint received 2022-07-21
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. (CA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Dates XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-01-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (IN)

During the pandemic i took advantage of the forbearance due to my husband bring out of work. The forbearance ended XX/XX/2022. I contacted Mr Cooper to discuss next steps, I agreed to have the owed amount placed at the end of the loan. I was told I'd automatically be approved and wait for the paperwork. I received the paperwork but realized it still was in my maiden name and the notary would not allow me to sign. I contacted Mr Cooper on XX/XX/2022 and started the process of changing my name. I sent all documents and was told it could take us to 30 days. I kept following up and in XXXX was told they needed additional information which I sent same day. I finally received the paperwork XX/XX/XXXX and scheduled a notary with Mr Cooper. The notary never showed up so I had the notary done in town and overnighted. I didn't sign both maiden and married name so it was rejected. New paperwork was issued and I had it signed and overnighted. This was at the end of XXXX. I've tried making payments but this whole time was told I couldn't until the paperwork was processed. Finally I spoke with XXXX XXXX who has been following up weekly. She told me she'd escalate the request and also scheduled my 4 months of payments which would make me current. The payments were supposed to be pulled by XX/XX/XXXX. I advised this was not done she stated they switched payment vendors and would make sure it was pulled. As of today no payments have been taken and my modification was rejected again even though XXXX stated there were no issues and she'd escalate to her manager. I'm not in default with no updates besides multiple reps looking into it. I have the funds to cover XXXX through XXXX but Mr Cooper has not taken the payments even though I have the email confirmations and my loan modification still isn't completed. I'm sure I'll be contacting about foreclose proceedings soon and don't know what to do.
Consumer complaint received 2018-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (NJ)

I graduated from XXXX University back in XXXX, My degree was conferred in XXXX, My account was never updated until this year of me being a graduate, I have a lot of fees on my account and would like them to be removed so that I can get an apartment, they are not going to help with that.
Consumer complaint received 2023-01-10
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. (FL)

upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX  that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (MS)

I paid off a Wells Fargo truck loan ( XX/XX/XXXX overnighted check by my credit union ) that included an extended warranty. They didn't process it until XX/XX/XXXX. I had canceled the warranty ( XX/XX/XXXX ) prior to payoff. The full refund for the warranty of XXXX  was sent to Wells Fargo because at the time I canceled, Wells Fargo held the loan as far as the dealership knew. Wells Fargo received the check XX/XX/XXXX which is after the loan was paid off per the XXXX tracking number. Wells Fargo is refusing to send me the refund until at least XX/XX/XXXX. 

I spoke to XXXX at Wells Fargo Auto at XXXX on XX/XX/XXXX and she told me they wouldn't cut me a check until XX/XX/XXXX because there was a 10 day hold on the check even though I know they received the check XX/XX/XXXX. I also spoke to XXXX at XXXX. I opened a complaint case with the XXXX XXXX per XXXX. Case XXXX. I was told a " case specialist '' would call me back Monday XX/XX/XXXX. Noone called or emailed. The case was supposed to be reviewed. I even provided the name of the woman who sent the check, both of her phone numbers and the date it was sent. I was told it was noted and thank you. 

I called Tuesday XX/XX/XXXX at XXXX and was told case specialist was on break & would call me back. I called again at XXXX & was told the case specialist XXXX was at lunch. I asked for a supervisor. Finally got to speak to the case specialist XXXX after 30 minutes. She told me I would not be paid until XX/XX/XXXX. I wanted to know why they held my money this long. In order to have this decision reviewed AGAIN I would have to open a new case to complain. I forwarded the email I received from the dealer showing the check amount, date sent, address, date received & who signed for it to : XXXX. I repeated the email address back to XXXX and she confirmed it. The email couldn't be delivered. 
Wells Fargo was late in paying off my loan even though my credit union paid it off PRIOR to my first payment to Wells Fargo. Now they will hold my refund for almost a month even though they've been paid for almost a month.
Consumer complaint received 2023-01-10
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-01-10
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. (NV)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (OH)

I went to XXXX XXXX XXXX XXXX to finance a car, they told me since I did the application online they were not going to run my credit report again. And about 5 minutes later my credit report was ran about 13 more times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXXXXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX  Account # XXXX, has violated my rights XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX5 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ). States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-01
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. (TX)

Im seeking loan forgiveness since Navient has already forgiven XXXX XXXX dollars. But I was excluded because I reside in Texas and my attorney general didnt take up lawsuit against navient like 35 other states did.. Aside from living in Texas that makes me ineligible for forgiveness, I do however meet criterias for loan forgiveness in many other ways.
Consumer complaint received 2020-06-11
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: BARCLAYS BANK DELAWARE (AZ)

I have a Barclays Arrival credit card ending in XXXX which was not actively used given my age of XXXX  years and not going out much in last few years. Barclays sent me a letter date XX/XX/XXXXconfirming account closure due to inactivity. I was also told they sent me another letter a month before this one notifying me that account will be closed if card is not used in next 30 days but I did not receive that letter in mail. If I had received it, I would have asked someone from my family to use my card and keep my arrival miles active. I have XXXX miles that are now expiring and can not be redeemed towards the greater value of XXXX points = XXXX for travel expenses. I called the customer service and requested to reinstate my account but was refused and was only offered XXXX points XXXX as fair redemption value for my XXXX miles giving me a maximum of {$210.00} instead of {$420.00} which I expected to use against travel redemption in future.
Consumer complaint received 2022-05-16
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXX  XXXX