davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-14
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: DISCOVER BANK (NC)

Look at this Complaint. 

Discover card illegally tagged this complaint as a duplicate, thus violating and depriving me of due process with causing me to not be Given a fair and reasonable opportunity to be successful at this dispute, clearly illegal. 

They are liars!
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Comerica (WA)

I am a XXXX veteran who served in the XXXX XXXX and I depend on US Direct Express to keep my money secure. They ended up locking my card and sending a new one to a place in XXXX XXXX XXXX XXXX, I've never been there, I live in XXXX XXXX XXXX. I had over {$1900.00} stolen from me and they have yet to put the funds back on the card. Usdirectexpress lies about saying they keep your account safe. I've even filed a police report with my local law enforcement. If you have a choice do not use US Direct Express
Consumer complaint received 2021-12-14
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 am writing this letter about XXXX ( XXXX XXXX XXXX XXXX This account does not belong to me. This is fraud. Please remove from my credit report and send me a letter to indicate that it has been removed and my credit report has been reflected that it has been removed. I am tired of having to contact you over and over when you are aware of the fraud. 

Please also remove these inquires as I did not grant anyone permission to access my credit, did not apply for credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove these addresses that do not belong to me, I have never lived at any of these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Please also remove all employment information as I am not working.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

I was not aware of any debt owed to XXXX or TSI until posted to my Credit Report by TransWorld. Per my XX/XX/19 XXXX XXXX  conversation with your TSI Representative XXXX XXXX /XXXX  she could not verify " XXXX  '' as original creditor. She informed me that I was a " consignor '' and did not offer to send proof but informed that she could/would only " note dispute ''. I have not received any communications from XXXX XXXX or Transworld Systems as to debt owed at anytime. I have no knowledge of XXXX XXXX. They have failed to provide initial written communication to me.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Moneytree Inc (WA)

Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted and cashed a check for {$3300.00} on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (CA)

I applied for a Wells Fargo Secured Credit card back in XX/XX/XXXX. During this time, I paid off my credit cards on time, and without problems. I came into Financial Hardship when I was unexpectedly let go from my job as a customer service representative at an insurance firm in XX/XX/XXXX. I was unemployed for 9 months, and because of the fees attached that naturally carry a snowball effect, I had incurred charge offs/late payments on my account. I was unemployed with no source of income, no government assistance and almost becoming homeless on numerous occasions until XX/XX/XXXX. Beginning from my first paycheck at my new job, I began paying off the balance that was incurred and increasing every month from XX/XX/XXXX to XX/XX/XXXX, which went up to a total of {$560.00}. When I began paying my account, I was notified that they had already closed my account several months before in XX/XX/XXXX. They did not notify me of this information. I had communicated with the bank to try and negotiate some sort of pause on the account so I could pay off and maintain the account when I had access to funds via employment. Beginning in XX/XX/XXXX I began gradually paying off my debt of {$560.00} until the debt was completely paid off in XX/XX/XXXX. From XX/XX/XXXX until XX/XX/XXXX. After trying to negotiate with Wells Fargo representatives to remove these late payment marks off of my account to no avail, I sent letters to all three of the main credit bureaus regarding this incident asking them to review my situation and to remove the late payment charge offs from this account. I sent all three bureaus letters in ( XX/XX/XXXX and XX/XX/XXXX ) demanding action to remove these late payments from my history be done. They did not take action, but only responded by stating they " reviewed my request ''.
Consumer complaint received 2019-12-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Social Finance, Inc. (NC)

I currently have a total of 17 students loans from XXXX and XXXX school. 12 of the loans are currently Dept of Ed. loans, 1 of the loans is with XXXX and 4 of the loans are private. All but the XXXX loan are currently serviced by XXXX. 

I recently have been working to get my credit score up so I could refinance the 4 private loans. My reasons for wanting to refinance are to get a lower interest rate and to remove my mother as a cosigner. I also add that when I was XXXX-XXXX, these private loan companies had no issue lending me this money. 

I have been reaping these private loans since XX/XX/XXXX and been making consistent payments ( never missed a payment to my knowledge ) other than the three years I was in XXXX school and they were deferred. The balance of the private loans is currently approx. $ 35k with a weighted interest rate of apron 8 %. If I am able to refinance at 6 %, my payment will decrease by over {$250.00} a month in just interest. 

I submitted a refinance application with Sofi. I submitted all requested information including my XXXX tax return and my XX/XX/XXXX P & Ls along with bank statements for verification. I am being told that my averaged income for the two years is $ XXXX, which I do not have a problem with that number based on the averages. 

My issue is that they are telling me my income doesn't support a refinance and it is solely related to my income. I was told my payment history is fine and my credit score is fine. They can not lend to me solely based on my income. 

So my main question/complaint is : How can they lend to me at XXXX-XXXX with no income and no credit history, but when I apply for a refinance at XXXX, making the most money I have ever made and the best credit history I have ever had, they don't see me as credit worthy for the loan? Oh, and might I add, the payment that I have been making consistently since XX/XX/XXXX ( minus XXXX school years ), will reduce by over {$250.00} per month with this refinance. So they do not have faith that I will make a {$250.00} less per month payment than I am currently making now. The only sense that makes to me is they are losing interest by reducing the interest rate and they have no benefit to approving this refinance. 

So why not add a cosigner again you ask? well I tried that based on Sofi 's recommendation. To everyone 's surprise, she was denied? The same cosigner who was approved when I was XXXX-XXXX  with substantially the same credit score and income when I was XXXX-XXXX, is now all of a sudden denied when I am XXXX, making the most money of my career.

How can student loan companies loan money at high rates to XXXX-XXXX year olds trying to get an education and then refuse to refinance the same loans when those same students become adults and actually have income and credit?

How is this acceptable?
Consumer complaint received 2022-11-03
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: JPMORGAN CHASE & CO. (CA)

I referred XXXX XXXX to the Chase Business ink Unlimited card. She used my referral link and was approved for a $ XXXX credit limit. Her zip code is XXXX in XXXX  XXXX, CA I was supposed to receive a {$200.00} bonus in the form of rewards points. I did not receive them and when I called Chase they said they can't see that the person used my link. She most definitely did. I want my points please.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IL)

I noticed that my total due amount for this month reduced to below {$10.00} even when my auto pay was set to " full statement balance ''. I reached out to CS via chat and was advised that this is totally fine since I received a credit on my account. I then explained that the credit was not due to a payment made by me but due to a credit from a merchant via return. The CS agent further looked into it and confirmed that anyhow I'm still all set and don't need to do anything. I have screenshots of the conversation that I have attached to this complaint. I logged into my account via desktop and found a message at the top of my account page that my auto pay needs to be adjusted else I will be charged interest. Fortunately, I used sound judgment and changed my auto pay to cover my full last statement balance, opposite of what was advised by the CS agent. Can someone look into this and figure out what's going on? Luckily I had been looking into my account and caught this issue. In the future I would not like this to happen.
Consumer complaint received 2020-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

On about XX/XX/XXXX I received written communication from Resurgent Capital Services stating I owe {$470.00} to an original creditor named XXXX XXXX XXXX XXXX that that debt is now owed to LVNV Funding LLC. On XX/XX/XXXX I responded in writing to Resurgent requesting validation, competent evidence bearing my signature showing that I have some contractual obligation to pay this debt. On XX/XX/XXXX and XXXX, Resurgent responded by sending me a printout of a bill payment dated XX/XX/XXXX. On XX/XX/XXXX, I again sent written communication to Resurgent Requesting verification of the debt. On XX/XX/XXXX and XXXX, Resurgent again only responded with a printout of a bill and request for payment. Resurgent has entered negative information on my Credit Reports in regards to this issue and has failed to send me viable evidence that I owe this debt.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I scheduled a payment through Bank Of America to a local merchant. I admit the funds were NOT in the account upon scheduling because I knew it took at least ten days to process. I went to the nearest branch, XXXX miles away ( 1 hour drive each way from here ) to make a deposit after to make a deposit to make sure the account was in good standing. The bank was boarded up and shut down. The next nearest branch to make a deposit was XXXX miles away. I could not do that. The check hit and B of A declined payment and just charged a fee. I paid the bill through my new blue card from XXXX which does n't ever charge fees for anything. B of A charged another fee for not paying the first fees that included maintenance fees, as driving XXXX miles to their other branch and covering it within five business days was not possible. My account currently has - {$100.00} with {$100.00} of that amount being pure fees, no actual goods or services. B of A provided NO goods or services for those fees. They are running them up seemingly non-stop, with monthly maintenance fees for doing absolutely nothing. I 've discussed this with their customer service and they said I could pay ALL fees or get banned from having a checking account anywhere in the U.S. once they report their unrecovered fees to chex systems. I wanted to end my account with them, but have to drive XXXX miles at their convenience and pay them to do so.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

EQUIFAX IS REPORTING A COLLECTIONS ACCOUNT THAT I HAVE DISPUTED TWICE AS FALSE. FIRST TIME IT WAS RESOLVED IN MY FAVOR AND SECOND TIME, THE SAME ACCOUNT FROM A DIFFERENT AGENCY, WAS NOT. ALL OTHER CREDIT AGENCIES HAVE RESOLVED IN MY FAVOR. I PROVIDED DOCUMENTATION PROVING THE DISPUTED AMOUNT IS COMPLETELY FALSE AS THE " CREDITOR '' ACTUALLY REIMBURSED ME SEVERAL TIMES FOR THEIR ERROR ( ATTACHED HERE )
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Services, Inc. (Nevada) (VA)

Over a year ago, Allied Collections started collecting on an account it said was owed to XXXX, in the amount of about {$470.00}. Around XXXX XXXX, I noticed they had reported it to various consumer credit reporting agencies, like XXXX. That month, I settled the account with Allied, on the condition that they request deletion of their tradeline from any credit bureau it had been reported to. I was told by the collection agent that Allied would be requesting deletion of their information from the credit bureaus. However, they did not do this, despite promises otherwise. I followed back up with Allied and they said they would take care of it and ensure their tradeline was deleted. Worse, when I disputed the information to EXXXX, Allied *confirmed* it was supposed to remain reporting to my credit history. As of XXXX XXXX, XXXX - almost a year after payment - the account remains.
Consumer complaint received 2022-11-14
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. (TX)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS. ALSO, THE ADDRESSES LISTED ON MY CREDIT REPORT ARE NOT MINES, I'VE NEVER LIVED AT ANY OF THESE PLACES : XXXX XXXX XXXX XXXX XXXX TX XXXX... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX ... XXXX XXXX XXXX XXXX TX XXXX... AND XXXX XXXX XXXX XXXX TX XXXX. COULD YOU PLEASE DELETE THEM FROM MY CREDIT REPORT.
Consumer complaint received 2021-12-14
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-11-14
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. (MD)

I received an alert from XXXX XXXX today that I had a hard inquiry on my XXXX and Equifax from XXXX XXXX XXXX! I have not applied for any credit from XXXX XXXX  XXXX at all and this just happened today! XX/XX/2022. Please help me! I am a senior and I have fairly good credit! This hard inquiry was not initiated by me and I dont need my credit rating to be destroyed by this act.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY (GA)

I have paid off my Wells Fargo credit card over four times since XX/XX/2019. In total Ive paid them over {$66000.00} in these 8 months. I have over a quarter million in savings with Wells Fargo yet they wont increase my credit card limit. I contacted Wells Fargo XXXX and was told they would get back to me by XX/XX/XXXX with resolution. They have yet to contact me.
Consumer complaint received 2015-10-15
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IA)

I have had no access to my money on my card for 3 days since they tried to upgrade, I have spent several hours on hold, with no resolution. They have sent out several social media messages saying the problem is fixed, or saying it will be fixed and as of this moment I still can not access my funds.
Consumer complaint received 2019-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (PA)

My casewasclosedout, ( case # XXXX ), due to me being hacked which causedmetobe unable to sign into my email address. I am reporting this issue because, I believe that Great Lakes, my new servicer, XXXX are possibly, being compromised or forced by the XXXX XXXX, ( which is currently suppose to be under investigation by " The Borrower Defense Ref.Cancellation DEPT, & Ombudsmen Grp ), for alleged, direct plus loan fraud. I was emailedby " The Borrower Def ... Dept. that any loans reported can be requested to be frozen until investigation is determined. I have requested this & been approved as the email proves that I attached even in the last case # I listed above. Sorry I was unable to get back to you. 
I've requested for Great Lakes Servicing XXXX  to release my consolidation application to my new servicers, XXXX. XXXX reported via mail that Great Lakes did not do so, when they sent the request ; therefore, this canceled my consolidation application. ( I need to have these loans renewed for forbearance or deferment! Please, investigate & order for this to be done, if possible. I have requested this several times on the Great Lakes website, via phones ... Still, nothing. I keep being sent CDs, when only one was requested about my consolidation, about everything but my application being released. 
Great Lakes stated to me via " recorded line '' on phone that they were authorized, ( bullied, it seems like to me ), by XXXX XXXX, to be made to add in direct loans from XXXX XXXX XXXX XXXX XXXX XXXX to my consolidation without my consent. They aren'tallowed tooverride the XXXX XXXX. I have a right to order & change my servicer as well as decide what loans I want to consolidate. 

Thank you Miss XXXX XXXX
Consumer complaint received 2019-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

On Friday XX/XX/XXXX at XXXX XXXX  I signed to sell my house. The buyers signed at XXXX. The money was then immediately wired to LoanCare/XXXX for payment. I checked my mortgage account Friday, no change. I checked it Monday the XXXX, no change. On Monday, I got my share of the proceeds wired to MY bank account so I knew they had been sent. I checked it Tuesday the XXXX ( FOUR days after they were wired the funds ), no change. On Tuesday LoanCare called to tell me my payment was late, I had failed to pay, and I now had a late fee. I said, no, this has been paid off. Apparently the payoff department and the payment department don't communicate. I called the title company to assure the money had gone out and it had. The payoff department at Loancare said " oh we see a payment pending but we don't process payments on Friday or on the weekend so it probably won't be in the system until 48 more hours from now and at that point we will determine if it was timely and in the right amount and if we will change your account to remove the late fee and late payment. '' Are you kidding me? That is ridiculous. This company should not even be allowed to be in business. They are the worst company I have ever communicated with. Their website interface is awful. Every time I log in I had to RE-sign up to get estatements. It looks like something leftover from 1996. And apparently many other people have issues with them so I'm not sure why they are even allowed to operate.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ACIMA CREDIT, LLC (CO)

Purchased furniture in XXXX XXXX South Carolina. Was reestablishing credit so was referred to this furniture place. Ordered, paid down payment. We discussed delivery. They left furniture in rain for hours. Furniture was ruined. I refused to take it. I negotiated return and closing account. Acima has refused.