davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

Traditional IRA was opened for my minor son. I was supposed to be on the account as well for maintenance purposes but the bank did not place me on the account. Now they will not give me, the biological parent, any information regarding the account or let me put money into the account. They state that I need to obtain guardiaship of my son and provide proof. My minor son is the only person on the account.
Consumer complaint received 2018-04-07
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Mercadolar, Inc. (MA)

MercaDolar Inc. is a company that connects individuals who are buying and selling American dollars and XXXX bolivars, to allow currency exchange among individuals in US and XXXX. MercaDolar Inc. works as the intermediary that holds the dollars while the buyer deposits the amount required in a XXXX bank account. There is a clearance process, that once approved, MercaDolar has 1 business day to release the dollars to the person who bought them via ACH. 
On XX/XX/XXXX I put an order through MercaDolar to buy {$100.00} ( MercaDolar will take 4 % from this amount as service fee- so the net amount is {$96.00} ) at the exchange rate of XXXX bolivars/USD. I deposited the money in the Venezuelan bank account as required, and the seller confirmed the reception of the funds on XX/XX/XXXX. On XX/XX/XXXX, I got a notification from MercaDolar saying that since the seller confirmed the reception of the funds, they will proceed to transfer my USD in 1 business day. 
On XX/XX/XXXX I contacted MercaDolar asking about the status of my transfer. They answered that their " agents '' were processing it and that my money should be available the next day. It did not happen. They asked me to confirm if I received the funds on the XXXX. I contacted them again, and told them that funds were not available yet. They responded that by their records, money should be available on XX/XX/XXXX. Again, it was not available on XX/XX/XXXX. I asked to solve this situation immediately since this situation was a week overdue and they responded that they will check with their agents. After this last email, I asked to give me a final answer by yesterday ; otherwise, I would need to start a dispute because I was feeling that they were not responding to my claim. 
In the meantime, I called their customer service number all week long to see if I could talk to them on the phone, they never answered, and their customer service via e-mailed stopped updating me on the status of my issue. Also, even when they replied via email, their response was generic and delayed. 

I am looking for help to solve this issue since my money is at risk, and I consider that the are not responding to me. I do not trust the business anymore, and I am not sure if this is a scam or what else could be going on.
Consumer complaint received 2021-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX XXXX formerly XXXX ). I am requesting to REMOVE my credit freeze from my file. I am looking to buy a house and they can't pull my file because of the freeze/block/Fraud alert on my file. Please remove it at once. My SS XXXX XXXX XXXX and my DOB isXX/XX/1991. I have attached a utility bill, SS Card, and DL for proof of ID.
Consumer complaint received 2019-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AR)

XXXX XXXX violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted XXXX about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from XXXX yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 XXXX called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) XXXX will not provide verification of debt after it has been requested 5 times. But XXXX XXXX (? Think given flake name ) verified they had received the request from me.
Consumer complaint received 2019-08-26
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: JPMORGAN CHASE & CO. (CA)

In XX/XX/2019 I contacted Chase Bank, to speak about a settlement. I spoke with an associate and supervisor about paying a set amount for the removal of this account. Due to me being hospitalized, resulting in a XXXX XXXX XXXX. I am now XXXX and can not work, so this was crucial to the decision to pay said amount. Fast forward to XX/XX/XXXX and to my surprise its still showing. I called Chase yet again to only be met with their representatives accusing me of lying and continuous blatant disrespect. As soon as they find out Im XXXX ; Im treated as though I have little to no comprehension. Supervisor XXXX # XXXX was not only intent on not helping me, but shes sorry Im too sensitive and cant understand her.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (AZ)

1. I have two Discover accounts and both have different FICO score disclosures on my statements. I would like an explanation on the different FICO scores. 

Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX Account ending XXXX ; Statement closing Date XX/XX/XXXX, XXXX ; FICO XXXX 2. Additionally under the Military Lending Act/SCRA act my interest rate should be 6 % effective XX/XX/2019. Requesting a refund on my interest charge difference. 

3. Please change my last name to XXXX and reissue both cards.
Consumer complaint received 2021-03-31
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: Navient Solutions, LLC. (IN)

The following accounts are not mine. The have not been verified I contacted XXXX XXXX and they don't have record of these accounts for me. 

XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Please remove all accounts listed my information was compromised in a Data Breach.,, XXXX  : XXXX, XXXX
Consumer complaint received 2021-02-10
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. (FL)

YOUR COMPLAINT Over the past 12 months I have contacted Equifax and told them that the information that they have that I have lived at apartment XXXX in XXXX XXXX Nevada is false and that I neve lived in an Apartment in addition the same company that keeps telling Equifax that I lived in this apartment is XXXX  who inadittion says that I last made a payment to them in 2019. Well not only did I never live in an apartment that had an a unit number of XXXX but I never made any payments to XXXX  no do I have a loan with XXXX, In addition XXXX keeps telling Equifax that I own property in XXXX XXXX and that they have a mortgage on it. I do not own any property in XXXX XXXX. 5 times equifax has asked XXXX  to provide proof that I own property in XXXX XXXX and Proof that I ever lived in an apartment that had a unit number of XXXX In addition I asked Equifax 5 times to get proof from XXXX  that I sent them any payments especially proof that the last payment I sent XXXX  was in 2019. Today XXXX  has sent no proof to Equifax, and this was verified by equifax to me that XXXX  has not sent any proof to XXXX  that I ever lived in XXXX XXXX at an apartment listed with a unit number of XXXX, proof of any payments I ever sent to XXXX, proof the last payment XXXX  recived from me was in 2019, Proof of that 2019 payment, and Proof from XXXX  that I own any property in XXXX XXXX. ; 5 time already I requested equifax to get this information from XXXX  and 5 times Equifax says they tried to obtain this information from XXXX  and it was not provided. YET its Equifax who refuses to delete this information from my credit report and has cause my FICO score to be XXXX points lower than XXXX XXXX FICO score. Its is Equifax who is responsible and liable if XXXX has not provided Equifax the proof and Equifax has not sent me the proof from XXXX ( XXXX XXXX XXXX ) then by law, Equifax must remove the XXXX  derogatory harming information from my credit report
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

XXXX, XXXX XXXX  XXXX, XXXX, TX XXXX XXXX has been wrongfully reporting wrong information on my credit report. I have been disputing this Bankruptcy information for over six months. They buy information from a third party called Lexis Nexis which is very inaccurate. 

Letter to LexisNexis ( Please accept this formal letter as my second request to investigate & remove derogatory account from my consumer report. I have found it has errors. It has come to my attention that you are reporting inaccurate data which I dispute, and this letter is an appeal for your assistance. As a consumer reporting agency 15 USC 1681a ( f ), you are governed by the Fair Credit Reporting Act ( FCRA ) 15 USC & 1681 et seq., which protects consumers from inaccurate, outdated, or invalidated information reporting of their consumer files. The FCRA states that its the consumer reporting agency 's responsibility to ensure that all information contained within consumer files is accurate & free from errors. Your company is regularly engaged in the business of assembling, evaluating, and disbursing information concerning consumers for the purpose of furnishing consumers reports, as defined in 15 USC $ $ 1681a ( d ), to third parties. 

New Jersey Bankruptcy court does not communicate neither provide information to the 3 credit Bureaus. I have attached a court document to prove my case. 
cc ; New Jersey Attorney General
Consumer complaint received 2018-04-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I make my payments every month in full amount, before the due date. However, the principle balance is going up instead of gowing down and my payments are not applied correctly. I pay XXXX per month, my interest occrued minthly is about 77.00 but they apply more towards interest and less towards principle. This is illegal. Every time i call nobody can provide exact math explanation on how they calculate how much to apply to pc and interest. This is 5th year i am trying to find out what is going on. They simply stealing my money every month.
Consumer complaint received 2018-04-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Original loan was bought out by Navient. Began to notice that the loan payment was increased. Called company and was told that the interest rate increased. Was informed of what total amount to pay. I use automatic banking so I set that amount and payments continued with the updated amount due. Received letter stating my loan was late and fees were included. Called and company informed me that the date due was wrongly confirmed during my last phone cal pertaining to amount change. I then had to go in and while on the phone with customer service changed my online banking again -- confirmed the amount due monthly ( {$120.00} ) and the monthly date each payment should be sent ( XXXX ). A few months later, I began to receive notices that payments were late. NO changes have been made as I do not agree and am not comfortable with the unilateral changes to my account, and the constant harassment ( phone calls and letters ). Please help stop this company from lying and cheating!
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo was picking and choosing when a what statements to post on my accounts I had made payments on mine and my boyfriends XXXX XXXX XXXX XXXX  and after the one payments were accepted and deposited to my account Wells Fargo without my permission dispsuted the transactions and never returned my money causing XXXX to close my account even effecting our credit.It was closed due to multiple payment returns that we did not request Wells Fargo to due and money was never returned to me.Wells Fargo even tried to charge me 35 bucks for a return fee which they did without my consent.I already made a complaint and got a lie for there answer and I will provide that with the proof that there lying the first 6 attachments will prove the lying them taking and not returning my money they even altered my transactions so u cant even see when they took the payments out and no showing it was returned
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

I have disputed late fees and interest on my Care Credit account. All of my payments have been made a month in advance. However they claim that I have 4 late payments and charged interest on a 0 interest for 18 months account.

I emailed and called the company three different times in the past week. They agreed to reverse only 2 of the late fees of XXXX and denied the other 2 ( XXXX ) late fees. Im asking that they refund the additional late fees of XXXX and interest charges on my account. 

Please see attached document that shows all of the payments made in advance.
Consumer complaint received 2018-03-13
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. (LA)

***Note**** This is my second complaint in this manner and this is completely unacceptable. It too XXXX all of 56 days to determine they can not proceed with this complaint due to a 3rd party unauthorized. I called CFPB first to figure out who is the 3rd party unauthorized and was advised to notify XXXX. 

It turns out that file a CFPB complaint is not accepted in XXXX, as CFPB is an unauthorized complaint. Which I knew was wrong as CFPB regulates XXXX. Then it get better, I'm not allow to submit a dispute over to XXXX  only the creditor can remove the information from the credit file. The letter that I have been forwarding over for over a year is invalid and needs to be sent directly from Chase. According to the FCRA, I can dispute any inaccurate information on my credit file and the credit reporting agency will need 30 days to investigate the dispute. What is happening, the credit reporting agency is not disputing any information. What they are doing is waiting until the last minute either to send a letter stating more information like a drivers license and 2 copies of your billing address or wait until the last day to say the dispute has been verfied. When you put things together to verfiy with the creditor, it turns out the credit reporting agency is not even submitted or investigating the inaccurate information on the credit file. 


I have a credit reporting monitoring service that alerted me that someone attempted to obtain credit in my name. Upon contacting Chase to cancel the card and any charges, they immediately conducting an investigation. On XX/XX/XXXX I received a letter stating that they have sent a letter to XXXX and XXXX to remove the inquiry dated XX/XX/XXXX. As of XX/XX/XXXX the inquiry has still remained on the credit file after sending numerous disputes to XXXX and XXXX with them stating the inquiry will remain on the credit file. It just goes to show they are not reviewing the disputes that you submit, because it is clear as day with a letter from Chase to remove the inquiry from the credit file. I know the same stroy line, you didn't receive the letter or documents, but your quick to mark items as frivoulous to avoid reviewing the dispute accurately. According to the FTC, you have to review all disputes within 30 days upon receipt, your gimmick that is widely used is to submit an updated bill or drivers license in order to review the dispute. It gets old, all 3 companies need a traning in Ethics 101.
Consumer complaint received 2022-08-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

The mortgage company is attempting to foreclosure on my home with a fraudulent assessment. I sent a Qwr and they have not responded to my QWR dated XX/XX/2022 nor have they responded to the one dated XX/XX/XXXX. 
I sent a debt validation and they happen responded. I requested mortgage assistance and they have not send a modification package. 
The assignment was robo signed and fraud cant be the bases of obtaining a deed
Consumer complaint received 2021-08-13
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 — Investigation took more than 30 days
Company: T.S. Holdings (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681a ( D ) ( 2 ) ( B ), where as my consumer report doesnt include any authorization or approval of a specific extension of credit directly or indirectly by the issuer. Therefore my character, credit worthiness and reputation are in question which goes against the law previously stated.
Consumer complaint received 2018-04-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (CA)

The first loan date was XX/XX/XXXX. The last loan date was XX/XX/XXXX. Total amount of loans = {$81000.00}. 
I believe I have been cheated by either the Dept. of Education or Navient ( Loan Servicer ). I was lead to believe that my Student Loans to XXXX College ( a XXXX School ) would be completely forgiven due to the school being closed for cheating. After consolidating my loans so that they could be forgiven, only about 30 % of my loans were discharged, leaving me with a balance due of {$56000.00}, which I can not pay. I suspect that either Navient did not credit me for the full amount discharged, or that XXXX XXXX, the new Head of the Department of Education, has had an impact on the amount of forgiveness allowed. I do not trust either institution. I have lots of documentation justifying my expectations and what was actually delivered.
Consumer complaint received 2022-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MI)

CBE Group, as shown on caller ID, called and asked for someone named XXXX XXXX XXXX. That person has not existed for over a decade and thus has no outstanding debt in existence. Calls were also disconnected in an unprofessional manner and call backs were left to ring incessantly, avoiding communication. Debt is older than 10-15 years and no longer owed. Company should be fined and dismantled
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (DC)

On XX/XX/XXXX I was notified that I had a new credit inquiry from XXXX. I did not try to open an account and called XXXX who confirmed an account was not opened. I want this inquiry removed from my credit report.
Consumer complaint received 2021-03-31
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. (AZ)

I am submitting this complaint because Equifax has not completed an investigation or have failed to communicate back any status of an investigation with me since my dispute submission. On XX/XX/XXXX I sent a letter disputing inaccurate items found my credit report as well as a notarized id letter my driver license and bank statement. I never havent heard anything at all from XXXX. I understand with covid things may be a little backed up, but we are now over XXXX days since my request, and I havent heard a thing. I even sent a Follow up letter on XX/XX/17. I am now involving the CFPB because it now seems you are neglecting a dispute and is against the FCRA. You had legally required time of XXXX days. Please deleted these inaccurate items from my report. Attached is a copy of everything I have sent as well.
Consumer complaint received 2018-03-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (MT)

I have been fighting with a collection company called XXXX XXXX XXXX that is apparently a collection agency for XXXX University, I attended XXXX University in XX/XX/XXXX-XX/XX/XXXX and they were horrible, and even sent certified confidential transcripts with my social security number on them to a person with the same name in Louisiana. I have disputed the mark on my credit, I have sent them letters so this is the next place to go. Do not ever go to School at XXXX University.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

After reviewing my credit report, I noticed XXXX XXXX XXXX XXXX pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Consumer complaint received 2022-08-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MD)

Good afternoon, It has been over 60 days since my mortgage has been paid in full on XX/XX/2022. 

As of today 's date, Wells Fargo still has not provided me a Letter of Satisfaction. 

I'm an honorably retired and permanently XXXX military veteran. Per the Americans with Disabilites Act ( ADA ), I have previously requested Wells Fargo to send correspondence electronically and to continue providing documents via the postal system. 

In the past, I have received electronic correspondence from Wells Fargo that has taken less than 48 hours. 

I'm not sure as to why now that I have paid off the mortgage that it is taking this long to receive via email my Letter of Satisfaction.