davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AL)

I believe the company wrongfully deducted money from my mortgage payoff. The amount given a little over {$180000.00}. Upon paying loan off due to selling my home they advised payoff was {$190000.00}. This amount is absolutely ridiculous. I received a check for {$280.00} as an overpayment when it should have been around {$7000.00}.
Consumer complaint received 2019-08-27
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. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (VA)

On Monday, XX/XX/2021 I closed on a property with Wells Fargo as my lender. XXXX XXXX was the company who performed the title work. 

The final amount that I was informed I owed was {$25000.00} by XXXX XXXX  and Wells Fargo the morning I went to closing. I went to the bank and performed a wire transfer for the full amount. I then went in and signed all relevant closing disclosures with this amount present on the paperwork at XXXX XXXX 

On Tuesday, XX/XX/2021 I received an email and phone call from XXXX XXXX  that stated Wells Fargo had made a mistake on the closing disclosure. That I would have to sign a revised closing disclosure and wire additional funds in the amount of {$1600.00} or they would refuse to fund the loan which would void my contract on the property and result in me losing {$10000.00} in earnest money deposit. 

I spoke with my realtor regarding this situation and he said this was the first time in his twenty years of experience of a bank forcing a revised closing disclosure when it was clearly their mistake. 

My loan officer at Wells Fargo was XXXX XXXX XXXX XXXX ). I reached out to his Branch Manager, XXXX XXXX ( XXXX ) who confirmed that my choices were to pay in full, or they would refuse to fund the loan end of story. Despite it clearly being their mistake, and the closing disclosure already being signed they refused to make it right by waiving the difference. 

I had to take off work an additional day XXXX XXXX XXXX XXXX XXXX to handle this situation and to do the additional wire transfer or risk losing the property as the loan would not be funded. 

XXXX XXXX said the best she could do was a small adjustment of {$380.00} ( from ( {$1600.00} to {$1300.00} owed ) as an apology for the inconvenience. I said this was unacceptable as I had already closed on the property and this was clearly Wells Fargos mistake.

She said I could either wire the money or lose the property as the loan would not be funded. I asked for this issue to be elevated further to Wells Fargo corporate and was assigned to XXXX XXXX, XXXX XXXX XXXX. 

I spoke with her once, she never followed up regarding the case and a month later I received a phone call from someone I had never spoken with before stating a review had been done and Wells Fargo would be taking no actions to make this right.
Consumer complaint received 2021-07-09
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: Exeter Finance, LLC. (TX)

I XXXX XXXX Did not authorize Exter Finance to run a report on my credit report. This is unauthorized and should be removed immediately.

Exter Finance ran these inquiries on XXXX XXXX without permissible purpose, or my written authorization.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

For the last 36 months I have had a blank credit file it does not show my name or my account closed or otherwise and it automatically says they can not give me a score ( obviously since it doesnt show I exist. I have written them called several times spoken with supervisors as recent as today and still no resolution Both Equifax and XXXX however does not give me access to any online account info at all nor do they respond to my calls or allow me to input my personal info to get a live person or respond to my letters
Consumer complaint received 2021-07-09
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: Nelnet, Inc. (NJ)

in regards to complaints XXXX and XXXX. Nelnet responded by saying to file an identity theft report and is not resolving the issue of someone else student loan information on my credit report. Nelnet even responded that I am not in their system and that the information has someones else social security attached and not mine. so how can it be on my report? they need to remove it immediately as I do not have any student loans and the information is someone else 's social security number. this is a mistake on their end and I do not need to fill out a fraud form seeing how they are the ones who committed fraud by knowingly having a loan on my report with someone else 's social security number. they are not resolving the issues and ignoring my calls. the way they resolve the issue is not actually resolving any issue.
Consumer complaint received 2018-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WV)

On XX/XX/XXXX, I made a payment of {$70.00} on my XXXX 's credit card account. This was the full balance requested, with a due date of XX/XX/XXXX. My balance went to {$0.00}. I subsequently received a bill for {$2.00} " fee '', further described as a " minimum interest charge '' on my account, with a due date of XX/XX/XXXX, showing no other charges or fees. 

On calling XXXX 's toll-free number, I was put through the automated system, in which the last question was, " are you calling in reference to a minimum interest fee? ", and when I indicated that I was, I was told that the fee would be deleted, and my statement updated. I then received the explanation that the fee was charged for the balance between the date of the statement billed for {$70.00}, and the date of the payment. This was done even though payment in full was made before the payment was due! 

This is the second time that a fee like this has been charged to my account on a balance of {$0.00}, but no such fee is charged, or has ever been charged, on any other account I have or have had in the past. This account is not supposed to have a revolving fee. If payment in full is received by the due date, there should be no interest or other fees charged. If the balance is {$0.00} before the due date, then there is no balance for interest to be charged on. I feel that the collection of interest on money that is not owed to a merchant is fraudulent, but unless I'm a special case, this is being charged to thousands, perhaps millions of customers. 

I previously reported a similar occurrence to the CFPB, and received what seemed to be a satisfactory response at that time. But clearly XXXX XXXX has not changed their policy. Agreeing to waive an improper fee when someone complains is no substitute for honest dealing in the first place. Many consumers will not complain, and as long as XXXX 's decides when to waive it, they can withdraw that offer at any time and resume charging interest on a balance of {$0.00}. This needs to stop!
Consumer complaint received 2022-08-25
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)

There has been some information that has been reported on my file. I am a victim of identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my identity to the Federal Trade Commission 's and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better lifestyle for us. I am a father of XXXX and I would like to provide a home for my family and I, however its been very hard with the incorrect items on this report. I would sincerely appreciate, if this report could be corrected immediately, as it is a hinderance on many levels.
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (WA)

A company called Harris and Harris keeps calling our landline number saying we owe a debt. We do not have any debt and believe this is a scam call. Review online about the number calling us ( XXXX ) and asking we call them at ( XXXX ) indicates this is a scam company. We don't want to answer the phone or give any personal information. We'd like these calls to stop.
Consumer complaint received 2019-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MI)

I have a negative report in my Credit account data or Fico score from a Credit Card company known as Barclays Bank. Located in Delaware??? Phone number XXXX? They claim i owe them a balance of XXXX dollars on a limit of XXXX  dollars? I also am suppose to submit them XXXX a month??? I do not have any Credit Cards from said  company much less an account. I did have a lost Credit Card from XXXX XXXX which i immeditely reported to them. That issue has been resolved but some one may have used card to open up that Barclays account??? At any rate i have no idea who Barclys Bank is other than the info i got from another local bank when we were doing a refinance analysis. I have called them but never get a sraight answer or no one from Managementat said phone number? Meanwhile my score has gone from XXXX to XXXX as a result of them??
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 — Account status incorrect
Company: ALLY FINANCIAL INC. (MN)

Was notified that there was a late payment on auto loan account and never was late and reported to credit bureaus. Asked to be removed and instead of removing it. It was moved from XXXX to XXXX. Asked for documentation and none was provided. There was never a late charge fee or mention of it being late.
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. (ME)

I sent a dispute letter to Equifax, using section 609 of the Fair Credit Reporting Act, to get the source of information which I am legally entitled to have accurately and clearly disclosed to me. 

In this case is it the proof of debt, or original auto loan contract containing my signature for a car loan. 

Equifax has mailed me back a document stating that they " verified '' that the account belongs to me. But I did not receive the source of information I asked for. 

This is a violation of law.
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 is missing that should be on the report
Company: JPMORGAN CHASE & CO. (TX)

add good accounts by XXXX card that they took off you cant take good paid history b/c you're mad about other disputed accounds FDIC, FTC, FCRA violations See attachments for proof
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX XXXX XXXX had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. XXXX, per their attorney Cooling and Winter also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX XXXX credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the Cooling and Winter law office to collect their money and will not deal with the debtor. The Cooling and Winter law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is XXXX XXXX is XXXX.
Consumer complaint received 2019-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (PA)

I had a card with Chase that I was not using, and that had been carrying XXXX balance for some time. The card was linked to a ride sharing service, and I accidentally charged XXXX {$50.00} to the card. Having not realized I had made the charge, I was late in paying the bill. 

Though Chase obviously had my email and phone number, I never received an alert through either of these media informing me I had an overdue balance. Rather than sending a simple text message, email or making a call Chase charged ~ {$170.00} in late fees. Also, my credit report was seriously damaged over a very small debt ( {$50.00} ). 

While of course customers are responsible for charges incurred, the bank should make a reasonable effort to inform customers of overdue bills. Chase easily could have done that and failed to do so.
Consumer complaint received 2019-08-27
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TN)

I purchased a car in XXXX through XXXX XXXX XXXX and it was voluntarily repossessed due to layoff on my job. XXXX XXXX placed it on my credit report which affected my FICO score. Jefferson Capital purchased this account from XXXX XXXX and has placed it back on my credit reports as if I signed an agreement with them as of XX/XX/XXXX for a loan of {$20000.00}
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NC)

Good afternoon, On my last statement dated XX/XX/2018, I was charged a late fee of {$20.00} because my last payment was received one day late - according to Citibank. Please note that my entire balance was only {$20.00}, which was paid in full. I paid this through my credit union bill payment service and the payment was supposed to be there on time. I don't know why Citibank did not receive the payment on the correct date. I asked Citibank for a refund and they refused. No wonder people hate big banks in America! 

XXXX XXXX
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 — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

How is this allowed. First of all, there was no response to my request for verification of the public record. I wrote the courthouse and they made it clear they are NOT the ones how provided information to the bureaus. When I wrote the bureaus there was no response. Only a deletion followed by immediate reinsertion without ( a ) validation ( b ) oe any notification they were simply putting it back on and ( c ) it does not reference my dispute! 

CFPB don't let them get away with this! Everything I've read on the internet points to XXXX ... XXXX violations!
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: EQUIFAX, INC. (GA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (FL)

I have two student loans which had originally been serviced by XXXX XXXX XXXX and XXXX ( or XXXX  ). The loans servicer was changed to EdFinancial in XX/XX/2020. My XXXX Credit Report now shows the incorrect information. Rather than two loans that have been closed at XXXX and two loans still open with EdFinancial, it shows 4 loans open at EdFinancial. It appears that they have the correct information duplicated, as there are two nonexistent loans showing up with exactly the same information as the ones I do have. This is not correct and I have tried to dispute the issue multiple times without the duplicate information being removed. I also tried to contact EdFinancial, who confirmed they reported the proper record to XXXX.
Consumer complaint received 2022-04-24
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-27
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. (CA)

Despite what is now two years of consistent effort with the credit reporting agencies all three have yet to remove what is on XXXX XXXX XXXX a card riddled with unauthorized charges after it was lost. I spent the majority of 2017 explaining only in the best English I could since it is my second language and no one would listen to launch an investigation into the charges. I know that the law covers reporting unauthorized charges and doesn't allow it until the end of the investigation but no investigation was ever initiated and I think it has much to do with me being XXXX and not knowing the law. Two years later I've done my research and realized that they're making a mistake and it's a mistake that affects them ability and ability of my family to live the American dream
Consumer complaint received 2019-08-27
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 (CA)

On XX/XX/2019 around XXXX XXXX i swiped card at XXXX XXXX for the amount of XXXX $ the transaction went threw but the cashier state 's that it was declined. I tried transaction 2 more times when i got alert on phone showing that it had gone threw but the transaction amount was XXXX and showed my account balance now at XXXX. Ive contacted my card and they say they have to wait for XXXX XXXX to refund and XXXX XXXX is saying they dont show tbe transaction at all in system. But its on my card history as a negative charge like all my other purchases. I need my XXXX back in my account and no one seems to want to refund me.
Consumer complaint received 2021-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (NY)

The account as per XXXX XXXX stated the account was opened in XX/XX/XXXX. I had lost my wallet and i had all my information in my wallet. I had attempted to have every single document that I had in my wallet replaced social security card, birth certificate, driver license etc. I am not responsible for this debt due to FCRA requirements. 

Please remove this off my credit the account was fraudulently made. 

XXXX XXXX