davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-24
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. (FL)

CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Consumer complaint received 2019-05-13
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: SYNCHRONY FINANCIAL (NY)

I had put in a letter here about how there was 2 fraud hard inquiries that were not authorized by me made on XX/XX/2019 for XXXX  XXXX and jc penny. I got a letter back saying some ip address I am unaware of. This ip address was used on both applications. I was told by customer service to submit a letter and than when I got a letter back basically implying I did make these inquires which is in accurate I have made every attempt to call any # on the letter and have told each person I have spoken to that I need a rep to call me back so we can resolve this matter as I don't want my credit score effected by something I did not do. 

There was a letter in mail from a women XXXX XXXX who I have left over 10 messages with to call me to no call back. I have spoke to others at synchonry back and just keep getting the run around. It's been over 30 years and I feel that under the fair credit act this should be reversed since I have no idea with all due respect how this happened and clearly was not made by me. 

In the letter it stated there was attempts to call me but I never got any said calls. If someone can please finally help me with this nightmare.
Consumer complaint received 2021-03-24
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: PREFERRED CREDIT INC (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX  Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : XXXX  CARD that opened last XX/XX/XXXX, XXXX  XXXX  that opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX  XXXX  that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that opened last XX/XX/XXXX.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (FL)

To whom it might concern, I have a case issue with Wells Fargo Bank, Home Mortgage Department.

I declined the mortgage ( This is not the case ). While applying, I paid for appraisal services, and I ask the bank to transfer the appraisal to the new lender. Bank official refused to transfer it at the first place. I attempted to request this transfer from more senior people. I was provided with 2 lines of the letter ( attached ), no signature, no sign from whom, nor the indication and confirmation regarding compliance with AIR ; the letter was obviously declined by the new lender.

Once I asked Wells Fargo to provide the required letter, this stands thy follow AIR rules and regulations. They officially refused to do this. It means they are not in compliance with Appraisal Independence requirements, so appraisal report they ordered is not in compliance with Appraisal Independence Requirements. So I waster my money on the useless paper, which could neo be used by any lender and by the bank itself.

This is the report I paid for, and at this moment I do not have time to do another appraisal.

Please advise how do I make them comply with this the law. I get his transfer letter.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Debt with XXXX was paid off back in XX/XX/XXXX. 
They advised as soon as the debt was paid in full the account will no longer reflect on my credit. I have sent them numerous request to delete the tradeline and they have been unresponsive since XX/XX/XXXX. Per law they have 30 days to respond to my dispute and they have failed to do so, document attached shows no update status since XX/XX/XXXX.
Consumer complaint received 2021-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

Nelnet, has reinstatement my loan without any notice or any right to appeal. Nelnet, has not re-disclosed my terms of the loan. Nelnet, has not fully disclosed terms under Reg Z. Nelnet has violated the Americans with Disablity Act by reinstated my loan againist the doctors order.
Consumer complaint received 2023-01-09
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: LoanCare, LLC (NJ)

XXXX credit reporting agency have not XXXX XXXX with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the this account. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LOANCARE SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-09
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 found errors on my credit report for both accounts below XXXX XXXX and XXXX  XXXX XXXX accounts. XXXX, XXXX, and Equifax are reporting information about me which are inaccurate. All three credit bureaus are reporting different high balances on this account and do not show the same opening date. As they are aware they can only be One high balance on an account and One opening date. 

All the 3 bureaus are in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ). The banking system is dependent upon fair and accurate credit reporting. 

DELETE the following accounts immediately for failing to comply with the FCRA. 

XXXX XXXX XXXX  XXXX XXXX.
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I paid off a balance transfer. Chase did not allocated my payments to my balance transfer. This resulted in overcharges and additional interest at Chase 's benefit and my loss. I contacted chase in XXXX. They verified it was a mistake. I was told the account would be reviewed and fixed in 14 days. It was not. This month, I still was charged. XXXX, from XXXX, XXXX stated I had to pay purchases off too, incorrect. I now believe I have been overcharge from the date of the transfer. I am requesting a review of my account from the date the balance was transferred to date and how the money was allocated. I'm requesting my account is refunded the interest and the amount I was overcharged. I was told today, XX/XX/XXXX and XXXX from XXXX was confused about the balance transfer rules and disregarded my concerns and suggested I still owed. She would not transfer me to another person to resolve it. She was determined to not review my account in depth and gave me knee jerk reaction and inaccurate information in which she totally did not know the rules to balance transfers. In the meantime, I, the customer is at a lost. 
I am recurring debt that was paid off. Chase - Amazon has cause damage to my finances and credit reporting is inaccurate. Chase refused to correct the account.
Consumer complaint received 2021-03-24
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: JPMORGAN CHASE & CO. (MO)

I was checking my XXXX credit report for the year like I always do annually and I noticed 8 hard inquiries that I did not approve of and didn't know about. The companies for these inquiries are : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX All on XX/XX/XXXX and XXXX, 2020. And also XXXX XXXX on XXXX XXXX, 2020 2020
Consumer complaint received 2019-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I am working toward Public Service Loan Forgiveness. Fedloan Servicing is the services the loan. 

There are four months of payments that they have not counted as qualifying payments for public service loan forgiveness. The only explanation they have provided is administrative forbearance. 

I never requested any forbearance. I have requested that the months count or an explanation of why not multiple times in multiple forms. Payments were made each month. Often the same amount as the month before and after. My payments are automated. I pay the amount the servicer requests. 

As near as I can tell I met all regulatory requirements to have the payments counted. I work for the federal government a qualifying employer. I am on a qualifying plan and paying the amount set by the servicer.
Consumer complaint received 2021-08-05
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: GOLDMAN SACHS BANK USA (CA)

I applied for a apple credit card. I received it in the mail and put it in my drawer. I did not activate the card and i wasn't planing on using it untill i had paid some others down. A couple months go by and i look at my credit report and find out that i have a late mark for not paying apple on time. I was supprised to find out apple put a digital version of the card next to the apple pay card in my digital wallet I used it thinking that it was apple pay not knowing that it was hooked up to my credit card. 
Apple says that they had sent me billing well it got buried in emails and I didn't go looking for it because i had not activated my card yet i wasn't expecting a bill from apple. I have disputed this and they confirmed the reporting 2 times This is my only late mark on my credit but at the time i had a couple maxed out cards so with this i looked like a credit risk whiched caused XXXX XXXX XXXX to cancel my oldest credit card with the large limit changing my % of credit being used and the length of my credit history. This has cause a snow ball effect and had made things very hard for me
Consumer complaint received 2019-05-13
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: SYNCHRONY FINANCIAL (AZ)

I paid XXXX to my XXXX XXXX credit card in XX/XX/XXXX. This was supposed to pay off my card and the company was supposed to remove numerous late fees due to them mailing things to the wrong address and I was not able to get the online login to work. Now they have sent the account to XXXX XXXX and when I disputed it XXXX forwarded me a statement from XX/XX/XXXX. There were no purchases made after the payment in XX/XX/XXXX as I was told the account was closed. They have now been erroneously reporting this and destroying my credit score as this is the ONLY negative account. I am herby demanding that this be removed from my credit report with a credit blast occurring that shows it PAID IN XX/XX/XXXX. 

Thank you
Consumer complaint received 2019-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (OH)

I have tried to fix this as whoever did this had used mine and my wifes info and we are very upset as we have dealt with this issue so long and the have done a charge off but it is still on our report and making problems, my wife and i have always paid everything and not sure what is going on help us get this removed from our report
Consumer complaint received 2019-05-13
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. (FL)

I have contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Consumer complaint received 2019-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I'm paying my loan every month. The interest is prime minus .40. Sometimes when I pay twice in one month everything goes to interest. The particular payments I'm referring to are XX/XX/XXXX and XX/XX/XXXX. I paid principal and interest on XX/XX/XXXX then when I paid 2 payments of {$600.00} on XX/XX/XXXX and XX/XX/XXXX all of it went to interest. They said the next billing cycle was due. I thought I was paying accrued interest. All {$1200.00} went to interest. They've done this in the past too. At this rate I'll never get it paid off. Is this right?
Consumer complaint received 2019-05-13
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: JPMORGAN CHASE & CO. (CA)

On or about, XXXX XXXX, 2019, I called Chase to hear my balance, and I discovered that there was a charge that I hadn't made to XXXX for {$570.00}. I told the Chase agent about the fraudulent charge, and she cancelled the card, took off the charge, and mailed me a new card. 
A few weeks later, Chase called me and asked me whether I knew XXXX XXXX. I replied that I did. They continued with, " that name is on the fraudulent charge, and so is his email address ''. We got off the phone, and I thought that was the end of it. 
On XX/XX/2019, I again called Chase and after listening to the automated message regarding my account, I heard that the XXXX charge was put back on my account. The charge was reinstated on my new card. I didn't know why. I immediately spoke to XXXX in the fraud dept. and was told that the charge was put back on my card because I knew the purchaser. I do not know him. He is my travel agent 's business partner and I am familiar with his name. My travel agent spoke to XXXX, and he did not know anything about this charge. He does not have any access to my credit card information. 
I have received nothing in writing from Chase with any final resolution ( that my fraud claim was rejected ), nor have I received in writing any evidence supporting the rejection, other than a phone call asking whether I knew the purchaser. The charge has not been removed. 
I have gone into the Chase branch on XXXX XXXX. in XXXX, XXXX. I spoke to a branch rep, who referred me to XXXX, head of the fraud dept. in XXXX. I submitted a letter written and signed by my travel agent, XXXX. This letter was submitted electronically to XXXX on XX/XX/2019. I spoke to XXXX on XX/XX/2019. XXXX told me that the purchase was credible, and there would be no refund to my card.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I recently obtained my credit report & learned my Macys credit card was charged off. 15+ years ago I added my daughter as an Authorized Signer. She subsequently charged on this account and stopped paying, resulting in charge-off. As the owner of the credit card, had I been informed account was delinquent, I could have prevented balance from escalating, & could have removed authorized signer status, & prevented charge-off, & negative credit r. When I contacted Macys to inquire they stated my daughter was a joint account holder. I at no point added her as joint account holder, and she did not sign application for credit. Macys is unable to provide me copies of documentation confirming joint versus authorized signer status. I no longer have this documentation due to a house flood. If Macys can not provide documentation, I would like the account removed from my credit report, and am willing to pay the balance owed when the account became 30-days past due. Had I been aware of delinquency at 30-days, future charges could have been avoided, and I would have removed my daughter from the account. I feel I have been harmed because Macy 's inappropriately changed type of ownership on my account, and can not provide documentation to support the change. 

Thank you for your consideration. 

Kind regards, XXXX XXXX
Consumer complaint received 2019-05-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (NY)

We are refinancing with another financial institution, we need our mortgage to be assigned to the new lender. We have spent hours on the Fone ( it takes 45 minutes to a full hour to be able to speak to a rep ) to get the department that handles that, but the reps answering the call dont understand what we need and is unable to get us to the right department. We had one operator that promised that we would get an email from them with the information but nothing was sent nothing was received
Consumer complaint received 2016-01-26
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I wish be part of the Ally settlement which ended on XXXX/XXXX/15. I contacted the settlement administrator at ( XXXX ) via email at ( XXXXXXXXXXXX ) and informed them that I just learned about the settlement and never received a package because I moved from the addresses it would have been mailed to. They told me there was nothing they could do and I think this is unfair and should be reconsidered based on my circumstances. My husband and I had several loans with Ally and wish to be compensated. I have written proof my XXXX loans with Ally and they will be attached to this complaint.