davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TCF NATIONAL BANK (MN)

I had spoke with someone regarding opting out of overdrafts during the early part of 2017. I was told i could not. I recently discovered the previous suit filled against them and called to have my account opted out and stop any transactions from coming through for a short period of time. They did not do that and claim they have no record of the call. Since then, 3 transactions cleared and 4 overdraft fees of {$37.00} were added. I addressed the issue and they refunded {$89.00} of the {$140.00}. I spoke with two different Department Leads to resolve the remaining fees and they said they could not do so. I 've had many issues with them in the past and do not feel it is ethical for them to hold me accountable for misinformation given to me by numerous employees. I offered to pay for the charges ( {$84.00} ) and not the overdraft fees ( {$59.00} ) and the offer was declined.
Consumer complaint received 2017-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (WA)

I saw I was in collections with XXXX XXXX XXXX  through My credit report for XXXX XXXX XXXX I reached out to both companys requesting an iteamization /complete bill breakdown XXXX XXXX XXXX informed me they had no record of it and instructed me to contact the collection Agency which I did and was Only emailed a form stating there was a past due balance of XXXX there was nothing stating what the charges were for there for the debt dose not exist.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (OK)

XXXX XXXX 2017 an IVR money transfer of XXXX XXXX dollars. I called the Office of the inspector general asking what an IVR money transfer is. they did n't know. I tried filing with the company before calling the Inspector General for the federal Reserve, Direct express XXXX by Coamerica bank. Nine times when I called they transferred me to a dispute supervisor and after identifying me, he or she in some cases would transfer me again. But they would hangup and I received a dial tone. Happened again today, but the second time I called I wanted the level two person and finally was able to file my claim against the IVR money transfer. I spoke with a lawyer and she read their contract and it needs to be changed because they could not tell me where the money was transferred to. And in that case the money should be returned within ten days. Now it is as they have stated gon na be forty-five days.
Consumer complaint received 2022-12-16
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. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this the disputed account is updated. XXXX XXXX XXXX BALANCE : XXXX
Consumer complaint received 2017-11-10
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. (SC)

According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX XXXX, the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
Consumer complaint received 2017-11-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NY)

XXXX XXXX ( XXXX ) has already called my house 3 times this morning. They are looking for an XXXX XXXX. I am not XXXX XXXX and do not know an XXXX XXXX. This harassment has been going on for weeks, with multiple calls being made to my home daily at all hours of the day and night. I have repeatedly asked them to stop, but they refuse. Each time I am told that my number will be removed from what ever account they are trying to collect on, but again, they are not doing it. This needs to stop.
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

he mortgage originated with XXXX, acquired by Wells Fargo at some point. The account was in two names - mine and my then spouse 's name. We separated in XXXX at which time he moved out and I made all of the payments. I was awarded the home in the divorce in XX/XX/XXXX and my ex-spouse signed a quit claim deed in XXXX when I refinanced with another institution. 
Several months prior to my closing I asked Wells Fargo to research a {$970.00} fee they had added to my account for what they indicated was " foreclosure expenses ''. They never reversed those charges, and they were included in my payoff quote and paid in XXXX. I received a letter on XX/XX/XXXX reimbursing me for those fees along with an added amount for " the time these funds were unavailable ''. This check was made payable to me " and '' my former spouse. 
Any checks for funds to the account ( class action lawsuits ) have always been issue to us both, and my former spouse refuses to endorse them for me. I had to use our divorce attorneys ( a XXXX process ) each time I needed a check endorsed. 
In this case, the final payoff was sent to them on my behalf by my new financial institution. This check included an amount I had disputed. There is a divorce decree and a quit claim deed showing he has no interest in the property. I have contacted Wells Fargo by phone and by fax to request they reissue this check in my name alone and the responses have been refusals at each attempt. I should not have to hire an attorney every time I need a check signed by him. They already have a copy of the quit claim deed, and my banks will not allow me to cash or deposit the check without the other signature. Wells Fargo correspondence stated they would replace " and '' with " or '' on the check but would need a NOTARIZED authorization signed by both parties to do this. ( I guess they think he will give me a signature on a piece of paper knowing he won't on a check ). 
The company is not working with me to find a solution to this, and I simply want MY money back, which I paid, for fees that were NOT supposed to be charged and were DISPUTED before they were paid for. I request they send any future checks in the same manner - payable to me alone.
Consumer complaint received 2018-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I am a XXXX  that qualifies for the public servant loan forgiveness program. I am trying to find out how many qualifying payments I have made toward the 120 required payments. I called in XXXX of 2016 to get an answer and have called repeatedly with no success. They keep telling me that they working on finding out, but my file is still pending.
Consumer complaint received 2017-11-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX XXXX, I bought a XXXX XXXX XXXX XXXX and financed it through XXXX XXXX XXXX. In XXXX XXXX, I checked my credit score and noticed XXXX XXXX XXXX had reported two late payments XXXX XXXX and XXXX XXXX ). I contacted them in XXXX of XXXX to dispute these false statements and nothing was done. The faxes were sent over on XXXX XXXX, XXXX with bank statements proving the payments were paid on time and were not late. 

On XXXX XXXX, XXXX, I was contacted by XXXX XXXX XXXX, which is where I was trying to obtain a home loan and was advised due to the late payments reported by XXXX XXXX XXXX I could not go forward. I then again contacted XXXX XXXX XXXX and Equifax to dispute these false statements. Nothing was done. In XXXX, I finally spoke to a supervisor by the name of XXXX and was advised she would try and figure out what happened and get back to me. On XXXX XXXX I was advised the payments were still late because in XXXX of XXXX I supposedly called and asked for the additional monies that were sent in be applied to principle and with XXXX XXXX payment being only XXXX, which was what was due at the time the payment was now considered late. XXXX XXXX has nothing to do with XXXX of XXXX payments whatsoever. On XXXX XXXX, XXXX I was advised XXXX XXXX XXXX is closing out there case and nothing is going to change.I have attached the bank statements showing were I was not late in XXXX and XXXX of XXXX. 

Furthermore, I paid the auto loan in full in XXXX of XXXX and do not have access to the loan history due to account now being closed. Please please help me! I have documents to prove the payments were not late whatsoever.
Consumer complaint received 2017-11-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I was denied loan mo modification by Wells Fargo and my wife and I appealed it. The appeal was denied and we decided to reach out to XXXX. They have tried to speak with Wells Fargo however Wells Fargo for some reason has no record of XXXX reaching out to them. I believe Wells Fargo works for XXXX XXXX who are the investors of my mortgage. XXXX has tried numerous times but to no avail.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I received a call from my credit card Fraud Department ( Citi ) in XX/XX/XXXX that my credit card had been compromised and they closed the account and issued me a new card. There were a total of {$2300.00} of fraudulent charges on my account that I did not make and did not authorize. <P/>Citi investigated this matter and on XX/XX/XXXX I received a letter from them stating that they are reversing all the fraud charge claims I had previously submitted and that I am now responsible for the full amount of these charges and that their investigation is closed. Also their bill has no address to send certified mail only a XXXX  would be given where it is not possible to confirm any receipt. <P/>Also their bill does not include address to send billing disputes. <P/>I am requesting your help to resolve this matter with Citi bank
Consumer complaint received 2017-11-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: XOOM CORPORATION (VA)

I live in XXXX XXXX. For years I used XXXX for sending money from XXXX XXXX XXXX XXXX My Retirement ) account, now they will not help me. We have bad phone service here, when a representative I assume call services can not hear me, they say goodbye and hang up on me because of bad connections. 

I would like to use their services. 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I filed an investigation request with Equifax via mail back in XX/XX/XXXX. They were supposed to respond within 30 days. Almost four months have passed, and despite previous complaints, they still have n't responded.
Consumer complaint received 2017-11-10
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. (TX)

The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.
Consumer complaint received 2017-11-10
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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX/JC PENNEY A/C #  XXXX was dispute 3 times and I requested for validation 3 times for this account and no attempt of validation was given to the consumer directly. 

XXXX XXXX/JC PENNEY response was a letter requesting for me to validate with XXXX XXXX XXXX A/C # : XXXX which is a different account. 
When I requested for validation of the account with XXXX XXXX XXXX A/C # : XXXX.Their response to me via mail and to the credit bureaus was deletion of the account they were reporting on my credit report. 

The 30 days of validation is past due on this XXXX XXXX/JC PENNEY A/C # XXXX and must be deleted ASAP off my credit reports.
Consumer complaint received 2017-12-28
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. (MI)

On XXXX XXXX, XXXX, I called XXXX XXXX concerning my credit card. I had made a payment to my credit card. They have reported inaccurate information on my card that has cause my credit scored to go down by 30 points. I make a payment and then the XXXX XXXX puts the interest fees on the card after I make the payment. It makes the card seem as if I have not made a payment. My card is now over the limit because of the high interest fees. I have discussed these high interest fees with XXXX XXXX and they told me since I missed a payment that they would not be able to lower my fees. I expressed to them that I have a long standing account with them and that I should be able to have my interest fees lowered on my card. The interest fees makes the card hard to pay off! 

XXXX XXXX states that I have a XXXX % on time payment rate but they still will not be able to lower my interest fees. I think this is unfair! My credit is suffering because of this! I have tried to resolve the issue with XXXX XXXX but they are unfair when it comes to this concern. I have looked up XXXX XXXX 's reviews and their are other customers that are going through the same concerns that I am. I need relief from this situation!!
Consumer complaint received 2019-05-12
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. (VA)

A USPS certified receipt mail letter was sent to Equifax and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded Equifax that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to Equifax to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, Equifax has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, on XX/XX/2019, the company sent an updated credit file stating that the item was researched and verified. The debt listed was not changed because Equifax " verified '' ( with no paperwork ) that the information reported was accurate. Equifax is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HOVG, LLC (TX)

Was told if I do n't pay in timely manner before XXXX 2016 that they would report me to the credit companies. I have received dozens of call. The most recent call was in the middle of Hurrricane XXXX while I was being evacuated. Please stop these heartless companies from harassing and damaging people 's lives.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (SC)

I was notified of a return payment from my bank and resubmitted the payment to the card issuer. Then subsequently was notified by the bank that they did not submit the payment. After which a payment was made and satisfied the balance on the card. Shortly thereafter the card company closes the account without notice. When I contacted them they said it 's because there were two return payments. I let them know it was a bank error. The most disgusting thing is that they closed the account after it was paid in full thereby damaging my credit score and saying that it ca n't be reopened. All with no written notification.
Consumer complaint received 2019-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I sent Equifax a dispute concerning inaccurate items on my credit report. Specifically XXXX XXXX, XXXX, XXXX, and XXXX XXXX . XXXX XXXX is reporting inaccurately because a collection can not list a past due amount or terms. Equifax has failed to do a proper investigation in an attempt to leave inaccurate and outdated information on my credit report. XXXX is also a collection account that is reporting inaccurate information because it is also reporting a past due amount and terms. This is a violation of FCRA and I will seek legal action if this complaint does not yield deletion of this negative information. I think it is ridiculous that the credit bureaus are allowed to report inaccurate information and just believe anything furnished by the creditors. Furthermore, neither XXXX or XXXX funding never validated the debt as required by law and as they would be instructed to do in a court of law ( they would be required to prove they own the debt ). I sent debt validation letters and they never responded. You can not just claim to own debt without proof. Lastly, Equifax is reporting two outdated accounts which should have been deleted XX/XX/XXXX based on the First date of last delinquencies. However, Equifax continues to allow XXXX and XXXX XXXX to report inaccurate late payments, different lates for years and they are reporting this inaccurate information across all credit bureaus. Both of these accounts are OUTDATED and a violation of my rights under the FCRA. THE CREDIT REPORTING TIME LIMIT HAS BEEN EXCEEDED! Stop using that XXXX  system and follow the law! XXXX versus XXXX is case law that states the burden of proof is upon the CRA 's and not the consumer! They have exceeded the 7 year period and I demand deletion! My next letter to Equifax will be from an attorney with an intent to sue if this inaccurate information is not deleted.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NC)

I had a charge account with Chase Card Services. I received their statement and paid off the account on XXXX XXXX, 2017 for {$640.00} which was due on XXXX XXXX. This is what the online statement said, so that is what I paid. Well I check their account to make sure all is going well, and see now they charged me an additional {$8.00}. I asked them to waive this fee, since I paid off the account, and was told no, because it was the interest that was accrued and I had to pay it. And apparently, the payment I made did n't hit the cut off date. So I paid it. Well, then I get another bill, this time for XXXX cents. I asked them to waive it, since I have made my payments on time and no issues. Well, nope, this big run around about how I have to pay this, as it is and activity amount and this incurred because of the billing cycle. So, again I paid this. I ca n't have my credit go bad for this kind of tedious mess. <P/>I have never worked with a credit card company to treat you like this as this company has me. I have paid them off, will not use them again, and I am done with them. I just want others to know this is the way they treat their customers.