davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (FL)

I gave birth XX/XX/2020, while I was on maternity leave my mother asked me to help her get a new car with my credit since she had bad credit. She and the saleswoman XXXX XXXX with XXXX XXXX XXXX XXXX drove to my house to have me sign the contract ; when I asked why my name was listed as primary the saleswoman had the nerve to lie to me and said that the order of the names would not matter. Months later, my mother ran a red light and keeps driving through tolls in XXXX XXXX that all billed under MY NAME. XXXX and FL XXXX were not helpful at all even when I told them she's also listed on the title, they only care to list the first person. Meanwhile I don't even possess or drive the car, I have my own! I attempted to resolve my issue through a different agency but all the dealership did was send ONE PAGE of the contract. Even though the dealership listed me as primary owner they never once bothered to personally follow up with me they only checked in with my mother. If you asked them for the full documentation you will see she is the one requesting to purchase the vehicle and the one requesting the addons, so why did they make me primary if she is the one authorizing everything else on the purchase including her own trade in? In fact, if this were my vehicle don't you think I would have gone to a dealer close to home since I just gave birth, not XXXX XXXX where my mother lives? My relationship with my mother is a different story, yes I have asked her to take my stepdad 's car on their trips but they keep taking the toll lanes under my name. I do not have access to the Ally Auto login for this vehicle, since my mother is the one paying on the vehicle only she does. She drives it and pays for it, so I think it should primarily be in her name if I'm just being used for my credit.
Consumer complaint received 2021-09-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

On XXXX XXXX I received in the mail by package the mortgage application from the Wells Fargo Bank in Minnesota. Settlement and processing are to be made known to me but never were for three months after I called the consultant XXXX XXXX about the status of my application for the mortgage loan a VA Mortgage originally applied for then the paperwork stated a VA/HUD addendum and confusion exists now. What caused that and a form from the VA was resorted to unknown to me and not informed about forms as that leading me to believe I would have the mortgage loan soon. After calling in months I was informed of being declined because of a FICO score not giving me options a lie arose somewhere in the bank. Unfair and discrimination against me! I want to sue the Wells Fargo Bank for {>= $1,000,000} for the abuse and my rights violated as a Veteran and XXXX too. And homeless.
Consumer complaint received 2021-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

My daughter and I have a joint account in XXXX with XXXX. She requested a transfer of XXXX euros at a XXXX XXXX branch location to my account at XXXX XXXX XXXX  in the United States. After a couple days I went to a XXXX branch location to inquire if my money was transferred. I was told at the XXXX XXXX  that they had rejected the transfer ( without notifying me first ) because my account was dormant ( they had not notified me that my account was dormant ). My daughter went to the XXXX bank in XXXX again and asked where the money was and was told by XXXX that they would automatically try to transfer the money again even if it was rejected the first time. If unsuccessful, they would return the money to the original account. After I still did not receive the money a week later, my daighter for the 3rd time asked at a XXXX branch where the money was. She was told that the money is currently at an intermediate bank in the U.S, ( Wells Fargo ) and the transit was in progress. Money was sent by XXXX on XX/XX/2021, today is XX/XX/2021. I have still not received an answer from XXXX or Wells Fargo about where the money is and when I will receive it.
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OH)

On XX/XX/2022 I was alerted to two nefarious charges made to my Netspend card account that I immediately disputed/reported stolen. The card and account were subsequently blocked. I then had, and still have, no access to this account. I received to email notices from Netspend that the issue had been logged and that they would send me a replacement card within XXXX business days at no charge. Additionally it would be one that would be connected to this account. 
It has been as of this notice, 13 business days and still no replacement card. 
On XX/XX/2022, I received a notice that a dispute had been opened and further that at my written request I could ask for a provisional credit to my account. On XX/XX/2022, I did send a written request for a provisional credit. I have yet to receive the provisional credit on my account- it is XX/XX/2022. Additionally, on XX/XX/2022 I then received a notice ( via email as all previous notices have been sent to me ) that there is a problem with my account and that I need to call customer service to rectify the situation. 
However, I have been unable to reach a customer service representative as there phone prompts do not allow me to reach on unless I enter my card number. That card number is blocked, null, and not identified as usable for this procedure. 
I have emailed their customer service numerous times explaining my situation only to receive continuous faulty instructions on how to reach said customer service!! 
Without a replacement card and also not being able to reach a customer service rep, I am unable to access my account still, and have no means to reach or use my funds. 
I also emailed their president with no reply from them. 
They today emailed me stating that they would get back to me in TWO days to, what they claim, will be to solve this ludicrous situation and flaw and fault on there side of this fiasco. 
I have rent and a phone bill due immediately. I am anticipating being without phone service and an eviction notice in two days!!!! 

As of this notice I am out of the two additional disputed and illegal charges to my account plus two subsequent overdraft charges. 
Ridiculous! And unethical!
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (PA)

The month of XXXX my promotional period for three items came to an end and they told me I had 30 days to make the payment of {$2800.00} to have the interest reversed I made the payment at the end of XXXX and Ive been calling them for one month to get my credit interest of {$1400.00} which I was charged due to the promotional period ending. As of today XX/XX/21 they tell me the amount that I paid which was the XXXX was the wrong amount they gave me. I made over 5 phone call in the month of XXXX and no one said this to me until today.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC (WA)

Since XXXX and post-divorce I have worked very hard to improve my credit and have accessed services through Lexington Law. I have financed XXXX vehicles since then. I paid off the loan amount in the entirety from the first vehicle XX/XX/XXXX. I made a down payment and received a loan for a car purchase with and interest rate of 6.54 %. 

However, my credit still does not permit me to have a credit card and I am not fully understanding why this is not occurring when my car loan amount is much lower and my annual income has increased since XXXX. Please advise what the issue is. I have reported several incidents of fraud and placed freezes on my credit since XXXX. How come I have a lower APR but do not qualify for credit in other places.
Consumer complaint received 2022-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (PA)

Got a text from a number that claimed I needed to contact XXXX , Harris & Harris debt collector for something regarding the turnpike. After blocking the number I looked up the company and all I saw were bad reviews claiming they were a fraudulent company only focused on claiming debts that were not owed by the people they were harassing.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (KS)

A amazon credit card was opened using my name on XX/XX/2021. With a balance of {$400.00} nothing had been charged to the card yet. Amazon has helped me close out the card and report the card opening as fraudulent. Amazon had also told me to contact the FTC to report the fraudulent activity.
Consumer complaint received 2021-09-09
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)

On XXXX I sent a letter to Equifax about some inquiries on my credit report that were not authorized by me. Without my written consent no inquiries are to be reported on my personal credit file without my permission as stated by FCRA. Also FCRA states that a response to an investigation must be made in 30 days or items must be removed. I have yet to receive any communications.
Consumer complaint received 2021-03-14
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (FL)

I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX  XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX  XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX  codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my XXXX credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX  ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX  closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX.
Consumer complaint received 2021-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

On XX/XX/XXXX I submitted an Income Driven Payment Plan request to Navient. I am self employed and my incomes has been affected by the Covid 19 Pandemic. I submitted additional income documentation and it was initially rejected due to lack of signature. I have not received any guidance on how to resolve this issue. I contacted customer service on XX/XX/XXXX and was not given any information to resolve the issue my income dropped to XXXX $ in hardships from covid 19. they threatened to have my payments increase if i don't pay. Navient collections department is disrespectful and obscene. I was contacted about a past due debt on XX/XX/XXXX and was advised that I was roughly one month past due in the about of {$50.00} i made this very clear with no direction at all moving forward.
Consumer complaint received 2022-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

Companies : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Procollect Inc. 

To whom It may concern : I got a call this morning XX/XX/XXXX from procollect inc. saying that my wife and I had an outstanding bill of {$1900.00}, and so we called XXXX and we were told we did not put in a 60 day notice. I explained to the assistant manager who was rude that I put this notice in writing on a paper. My wife was present with me when I wrote this. The lady who was fair skinned with curly hair promised to update it on my file. I asked about the lady, but was told she no longer works there. I have never owed any bills to XXXX, you can as them about my rental records. I moved out of the apartment decently and organized. I kindly urge you to please look into this matter as soon as possible. 

XXXX : Collections told us to reach out to the company ( XXXX ) about this issue and that we have 13 days to dispute and revert this, and I have done that today. 

XXXX : Apparently, the apartment ( XXXX XXXX XXXX XXXX  ) said that vacating the premises one day early was deemed early termination, hence the {$1900.00} bill. the attached files proves that I left in a timely manner in which I submitted the apartment keys at XX/XX/2021 at XXXX and the gate and mail box key XX/XX/2021 at XXXX accordingly. 

sincerely,
Consumer complaint received 2022-07-04
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: Experian Information Solutions Inc. (CA)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK (CA)

Freedom Debt Relief charged over {$24000.00} in fees. I was advised to ruin my credit and was receiving lawsuits. When I realized all my money went to fees and my debt was not being reduced I filed bankruptcy to resolve the lawsuits. Only one account for under {$300.00} was resolved by them. They refuse to refund any fees.
Consumer complaint received 2022-10-26
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I request paper work for a refinance on the first week of XX/XX/2022, I havent receive the paper work as of yet! I called twice and the company told me I will get it be XX/XX/XXXX still have not received it! I called last week and they said it was in the email I still have not receive it! They put a sale date on my house before I complaint about the successor of interest rule and they never call me to explain they just put the sale date without even offering any other solutions Please send me paper work for a loan modification
Consumer complaint received 2021-09-08
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: DISCOVER BANK (CT)

I have these accounts that are not mine and i want them to be removed. 



XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc (OH)

I contacted chime to try to close my account numerous times they told me I had to do all this stuff to close my account and then still would not send me the money said they had to send it to the last known address. I told them I was in a homeless shelter bc I was illegally kicked out of my home and they still refused to help me in any way and would not give me any information about my own account. I have tried to contact a lot of different people and I just don't know what else to do I made a police report through the XXXX police department on XX/XX/XXXX. Please help XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-14
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: T.S. Holdings (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 XXXX 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 IQ DATA INTERNATIONAL/ XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXXhat opened last XX/XX/XXXX.
Consumer complaint received 2022-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

I requested a refund for a payment I made on the student loan as part of the XXXX refund process. I submitted for the refund over 2 months ago on about XX/XX/XXXX and have not received it yet, and my account balance has not been updated. I have contacted Nelnet, my loan servicer, multiple times and they have still not issued for the refund for the {$10000.00} payment.
Consumer complaint received 2022-10-26
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)

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PROVIDER OF SERVICE XXXX XXXX XXXX XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i, every single one even each, any or all unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either, UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW. The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provision of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the XXXX  enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

I did NOT ask to apply for this card from SYNCB/SAM 's Club DC. However, I was approved for the card on XXXX XX/XX/2021. I immediately called the card company on XXXX XX/XX/2021, from the Sam 's club that processed the application ( in XXXX, Texas ) -against my wishes and instructions -- to have the application/approval cancelled and also removed from any entry/notation on my credit report. After calling twice that same day, I was told by the 2nd Customer service person I spoke with that it would BOTH be closed as well as removed from my credit history and report.

However, although, the account has now been closed ( due to yet a 3rd call on the next day ). 

But, the credit account was created and is STILL listed on my credit report although I NEVER requested or authorized this action.