davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANCORP (AZ)

This is a continuation of complaint XXXX. US Bank never responded that they had sent me the title with my name on it without a lien. They claimed the virus was the issue however once again they failed to acknowledge my complaint about the fact that 4 months after paying to loan off, my name was still not on the title. Since US Bank removed my name from the title on XX/XX/2020, the loan releases they supposed sent out in XXXX and XXXX would have done no good since my name was not on the title. I did not receive any correspondence nor phone calls from US Bank up until the first claim was submitted. We are now in the XXXX month and the title is still not in my name. Since CFPB has closed the first complaint without a resolution, I am sending another complaint. Last contact with US Bank was XX/XX/2020 with my request for them to complete the transaction so I can use the truck I paid for in XX/XX/2020. Also, my insurance company was never notified that I had paid off the loan back in XXXX 2020.
Consumer complaint received 2017-12-08
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (MD)

In XXXX XXXX, my husband and I applied for a mortgage through NVR Mortgage ( NVRM ). In the application process, my husband indicated he had just become self-employed in XXXX XXXX. With our application, we deposited {$5000.00} for the new build. Our contract stated that in the event NVRM terminates the loan due to circumstances beyond our control, our deposit would be returned. 

On XXXX XXXX, XXXX, my husband and I were preparing to close on our new home when we received a phone call from NVRM stating that they have " more conservative lending rules '' and would require at least 2 years of self-employment status in order to approve us for a loan. NVRM referred us to a different lender to try to get an exception to the 2-year rule, however, the new lender never provided a determination on the exception. We were later turned down for the loan, but NVRM based the denial on low credit scores. I contend that credit check was performed subsequent to NVRM 's inability to qualify us due to the short length of self-employment. 


Following that discussion, my husband and I met with other lenders, talked to mortgage brokers, and conducted independent research to learn that there are no exceptions to the 2-year self-employment status. 

On XXXX XXXX, XXXX, I sent an email to NVRM,  requesting that our {$5000.00} deposit be returned in full, on the basis that my husband would never have been pre-qualified for a loan because he did not meet the 2-year minimum requirement and that their claims that an exception could be made seem false. NVRM has not agreed to return the {$5000.00}.
Consumer complaint received 2022-11-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

I've attempted to apply for a refinance with XXXX different loan officers with PennyMac. They are extremely vague in the information provided to you. Was told XXXX is too high which is fine ; however, when pressed to show a breakdown and/or explain they go silent. No transparency whatsoever.
Consumer complaint received 2021-10-04
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. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2018-06-06
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. (AR)

I graduated from the University of XXXX in XX/XX/XXXX. I started receiving emails about this debt in XX/XX/XXXX. I have requested documentation from them but have yet to receive anything showing the accuracy of this debt, the first date of delinquency, etc. They have illegally reaged this debt twice and I have filed disputes each time. Their tactics make this debt seem more recent than it is which will affect my credit into perpetuity.
Consumer complaint received 2017-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NY)

Approximately two ( 2 ) years ago I opened a Wells Fargo credit card. 

This card was primarily for the purpose of a balance transfer. 

After I paid off the entire balance, I requested that the account be closed. 

The account was always paid in a timely fashion, and my credit in general is excellent. 

I received a letter from Wells Fargo indicating that " ... we have closed your credit card account for the reasons listed below .... 

-- Total monthly payment ( s ) due for bankcard or line of credit account ( s ) on credit report is high -- -No wells fargo checking or savings account -- -Over six months Account inactivity From reading this letter any one would assume that wells fargo initiated the closing of the account due to the above reasons, some of which are negative. 

I do not want any negative statements regarding this closure, which I requested, to be listed on my credit card. 

The appearance is that Wells Fargo is " punishing '' me for closing my account. 

Conditions 1 and 2 existed when the account was approved and opened, and the account was inactive after it was initially opened for a period of approximately 18 months I guess that up until relatively recently # 2 would not have been true since they probably would have opened an account in my name without my permission I should have received a letter from them confirming that my request to close my account was approved, not a letter indicating that as some sort of review of my account it was being closed. 

I request and expect a written response from Wells Fargo explaining their actions in this matter and an explanation as to how they will rectify any negative entries on my credit card.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (TN)

They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (NJ)

S

everal times in the past 3 months, I've been charged overdraft fees by PNC bank, even though as of midnight the night before, there have been no pending charges or posted charges on the account which put the account into a negative balance. THEN, the next day ( generally when I wake up and check my account - XXXX or XXXX ), I'll see a transaction show as posted to the day before, in some cases multiple transactions, and overdraft fees of {$36.00} for each transaction.

PNC 's response is that the transactions show as posted the day before. In this most recent case, today is XX/XX/XXXX. As of midnight last night, or just before, XXXX, my account had a balance of {$.00} cents. I woke up today to see a balance of {$460.00}. Overnight, my unemployment funds from the state of NY were deposited into my account, {$500.00}, BUT a {$7.00} charge ( again which did NOT show up in any way shape or form in the account on XX/XX/XXXX ) shows up as " posted '' on XX/XX/XXXX, and an overdraft fee of {$36.00} was assessed. The math here is {$500.00} - {$7.00}, resulting in {$490.00}, minus the overdraft fee of {$36.00}, leaving {$460.00}.

I've discussed this with two different CS associates at the bank, and had the issue escalated, only to be told they are not allowed to issue a " courtesy refund '' of the fee. I don't see how this is even a courtesy, I can't ensure funds are in my account to cover charges which are not there. As far as I know, I have {$500.00} coming into the account the next morning ( today ) and a balance of XXXX cents at XXXX the day before, how am I not covered for a {$7.00} charge coming in? This {$7.00} was an outstandig ACH transaction, which could obviously be debited at any time, but it wasn't debited on the XXXX, so it's unfair I be charged a fee just because a charge appears the next day with a retroactive posting date.
Consumer complaint received 2018-06-06
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CO)

I was living at XXXX XXXX XXXX in XXXX XXXX until a month before XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are given to soldiers a month or 2 before XXXX so soldiers can get out of leases and turn into certain creditors for lower interest rates during a XXXX cycle. I received my XXXX XXXX   on XXXX XX/XX/XXXX and turned them into the office at XXXX XXXX. They did not honor my XXXX XXXX. I continued to clear my apartment in a timely manner and had paid first and last months rent upon moving in. To include a security deposit that would have covered any cleaning upon me leaving. I did not receive my security deposit back and paid my pet fee to the front office. My mother co-signed the lease with me and this is on both of our credit reports for over 6k in fees. For one the apartment complex never contacted my mom or myself before leaving in XX/XX/XXXX. The debt was sold to a collection agency while I was XXXX, and me and my mom have been dealing with harassing phone calls ever since. My mom started receiving calls shortly after me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/XXXX ... .and over a thousand dollars in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in which I find to be totally fraudulent. I should never of had a fee for last month rent because I paid first and last month before moving in, I also accrued fraudulent cleaning charges that my security deposit would have covered, I also should not of had a lease termination fee of over XXXX with XXXX XXXX. Not to mention pet fees and so on. The list is crazy. To think this is how companies operate and treat deploying soldiers. And then sell the fraudulent debt to a head hunting collection agency on fraudulent grounds. And then to have fees of over 1.5k from a company you never had a contract with and bought this fraudulent debt on pennies to the dollar. To get this rectified would be wonderful. I have tried disputing with all three credit bureaus with no luck. I truly feel this is my last step to get this resolved. I am a father of five and can not purchase a house for my family because of this on my credit report. I am almost XXXX and have never owned a home for my family. Please help this XXXX veteran clear me and my mothers name in this matter. Supporting documents follow ...
Consumer complaint received 2017-12-07
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: SYNCHRONY FINANCIAL (FL)

Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.
Consumer complaint received 2020-10-27
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. (HI)

In XXXX, XXXX, British airlines canceled my flight to XXXX. They refunded the costs on XX/XX/XXXX of {$430.00} and {$630.00} for a total of {$1000.00} back to my Chase Bank credit card. Back in XXXX, XXXX, I had canceled my Chase credit card, which has since been purged by their bank. On XX/XX/XXXX Chase Bank sent me a letter, after talking to them on the phone, that they sent the funds back to British Airways. I called British Airways and they said they refuse the money and sent it back to Chase Bank.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

Over a year ago my accounts were closed by Chase, only after I originally had an account for over 8 years. I finally decided to close this account. I thought I wouldnt need it at the time. I then got a new job, and decided to open a new total checking account. After only a week open and one deposit, chase told me they were closing my accounts. After many months of intensive research. I had come to determine that I am not a risk to Chase. I havent ever filed disputes. My identity was stolen. After asking chase why at the time the lady in the loss prevention department told me it was because of something on my Consumer report, that if I got it removed they would fix my accounts. Well I went into the XXXX, TX branch and was told that my accounts had notes, saying do not open any new accounts call fraud. However I havent ever committed fraud and the manager said he wasnt sure. I ventured into another branch a few months later and was told there werent any notes on my accounts. I would like the decision to be re reviewed. After searching, the claims were not filed by me, in fact my identity was stolen. I placed alerts on all my reports as well, as notified the FTC. What was happening is I had unauthorized charges, which followed unauthorized Claims. These were not from me. I want a second chance, as I am a victim. Prior to that I was in excellent relationship status with the Bank. All my family banks with Chase, as Chase Private Clients. I called last night again XX/XX/2017, after speaking to this nice lady at executive office was told they would research my accounts. When I called last night the rep told me there is notes on there saying fraud again. I dont understand where these notes come from, I have never committed fraud. I would like this to be re reviewed because I dont believe you took into account all the information I notified chase of. Im not a risk. My investments are through Jpmorgan. I would bring all my employer direct deposits, as well as my investment accounts to the bank. Chase, it is my first bank acct. its convenient and Chase customer service is amazing. offers very amazing incentives. I believe I should be able to show the bank and prove Im not a risk. That instead Im a victim
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NH)

Hello, I received THREE HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on THREE individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " Wells Fargo Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from XXXX XXXX XXXX and XXXX.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I received a letter ( Transmittal ) on XX/XX/2018, addressed to me ( XXXX yo ) from Transworld Systems Inc Collection Agency reporting unpaid balance of {$110.00} for services from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL. I have never received any products, services or procedures from XXXX XXXX XXXX XXXX XXXX. The letter is dated XX/XX/2018 but there is no date associated with the supposed account for me. I have tried to contact both XXXX XXXX XXXX XXXX XXXX ( message machine prompt to please hold, an agent will be with you shortly but 15 minutes later still nothing ) and Transworld Systems Inc ( message prompted me to leave a message but the message machine was full and not able to take any new messages ). I generated a complaint on the XXXX site and reviewed other postings online for tactics and problems with Transworld Systems Inc Collection Agency. Then, I went to FTC.gov and was directed to the CFPB.
Consumer complaint received 2022-08-06
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. (LA)

I started disputing inaccurate info on my credit report an I ask credit bureaus to delete any inaccurate info on my report an it was not legally deleted instead after each dispute my reports came back as verified and accurate. I want to know how could the be when the accounts I am referring to are charged off accounts that is reporting a balance, that a clear violation of the FCRA. I also sent an FTC report to prove the account wasn't mine an yet the XXXX bureaus still state that the account are accurate but still reporting inaccurate info to my reports. 


Company or Organization : XXXX XXXX Account Number : XXXX amount- {$270.00} Company or Organization : XXXX XXXX Account Number : XXXX amount- {$150.00}
Consumer complaint received 2017-12-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

In XX/XX/XXXX I had an unexptected job loss. Lending Club said they can do a 3 month hardship plan. I only had to pay {$120.00} for XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. I was out of money due to unemployment running out. In XX/XX/XXXX, my unemployment came in 1 day later than the due date. When I went to make the payment, Lending Club said that I was in collections and I had to make up the 3 months of payments ( approximately {$1000.00} ). I did not have a job yet. I finally got a job XX/XX/XXXX, but my first paycheck was in XX/XX/XXXX. Lending club did n't disclose to me that I would have to make up the 3 months of payments when the hardship ended. I was given different information from different representatives. They reported a 90-day late on my credit. I made small payments and ensured them that I would catch up the payments. I have since paid them off ( XX/XX/XXXX ), but I am having trouble with potential employers because of my credit score due to the 90-day reporting. All I ask is that they remove the 90-day reporting because I was cooperating with the little money I had and I was misinformed.
Consumer complaint received 2018-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

Just found out that XX/XX/XXXX my monthly payment went up without them confirming that I was aware of this change. Now it has been reported on my credit score as neing past due. 
I have had it set up on autipay through my bank for over 10 yrs to pay XXXX but my monthly bill was XXXX something I just rounded it up to XXXX. 
I have not missed any payments. XXXX mailed a notice to an old address & I did not recieve it. 
XXXX supervisor stated it is my gault they had a nad address & I could go online at any time to see changes. 
I had no reason to go online when my my nill was being autopaid. 
I just spoke with Nelnet 2 supposed supervisors & they are unwilling to remove the negative late payment from my credit score that they reported. Even though I paid everu month the same as usual. And did not recieve notice of any changes. 
Why do they not have to have assure that you revieved it & have you sign aknowledgement like most business '? This would have prevented the entire incident. I diligently paid every month since XX/XX/XXXX. And now my credit dropped because of this. Customer service there was not very good except for the first rep I spoke with. 
They were not very friendly or understanding. They just kept repeating the same thing. I could inderstand if I was not paying or simething but I have been every month.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports