davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

MyFedLoan is miscounting the number of payments I have made toward repayment. They record that I was in forbearance from XXXX to XXXX. This is not the case. I have requested they fix the problem and then have not been able to willing to do so.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX XXXX XXXX. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Around XX/XX/XXXX I disputed XXXX XXXX XXXX on my credit report. On XX/XX/XXXX XXXX notified me that it was reporting correctly. It is intact not reporting correctly. According to the XXXX, portfolio recovery associates should be not be reporting my account as a factoring company, and also my account is being reported towards my overall credit card utilization every month even though it is not a credit card which it is a violation.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (FL)

on XX/XX/2014 I had automatic payment set up. They company couldn't process the payment and never notified me. I been trying to get his late payment which is not accurate several time been talking with them and never get any favorable Response. I am trying to get a mortgage loan and this negative affecting so I can't get approved because this unfair negative item remark on my credit.
Consumer complaint received 2019-09-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and Equifax ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. IN ADDITION, XXXX XXXX XXXX, MISS XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND EQUIFAX ) AND XXXX. XXXX   IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-07-02
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX XXXX C ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX, XXXX XXXX BANK XXXX XXXX XXXX, and XXXX BANK XXXX XXXX Account # Unknown ) 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 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
Consumer complaint received 2020-08-13
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. (SC)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

A couple months back I noticed a collection on my credit report which I know was wrong. There was a XXXX collection being collected by Enhanced Recovery. I haven't had XXXX in years. On top of that, I paid them off and in full with a previous collection agency several years ago. There should be no reason why I should owe this money. 

In XXXX I sent dispute letters to the credit bureaus and Enhanced Recovery but I never received a response from any of these companies. I'm not asking for much. Please delete this account from my report since I already paid it years ago with a different collection agency.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AL)

We received a forwarded letter and envelope inside of the wells Fargo envelope. The forwarded letter states we had an account in Oklahoma closed. We live in Alabama and never had any account with this bank. Back in the XXXX time line. The name was correct, the address was not. The back verifes that there was an account in my husbands name. Which has to have been a fraudulent account as he's never had any account with Wells Fargo bank at that time line. I called and talked with a specialist, that could not figure it out. He said to contact this site, so I am.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I sent a Venmo payment through Venmo to a two people I did not know for a service that concluded in me being scammed. 

The first payment was sent on XX/XX/2020 for {$50.00}. 

The second payment was sent on XX/XX/2020 for {$200.00}. 

I contact Venmo and made several attempts to get this resolved. They said they can not help me and that I needed to contact Law Enforcement.
Consumer complaint received 2020-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I purchased a part for my motorcycle on XX/XX/XXXX in the amount of XXXX. My mechanic tried installing the part and advise the shop gave me the wrong part. I went to the store where it was purchased and they said they were not going to give me my money back. I filed a dispute in XXXX of XXXX. I was advised that my dispute was opened and I would get paperwork in the mail to fill out and return in 2-3 weeks. on XXXX I received a letter from us bank that my provisional credit would be charged back on XXXX because I did not return paperwork. I then called us bank and was advised that they would re open the claim. 2 weeks went by and I called them back to advise no credit and no paperwork was received they advised they were still working on it. I then called gain in XXXX and spoke to a manager by the name of XXXX XXXX at XXXX and she advised that she was going to have the claim expedited and again that never happened. I received a letter from us bank and it said they were unable to credit and process because the information I sent was insufficient. Well that's a lie because they never called me back, they never sent any paperwork and they never even acknowledge my request for a call back. I have been getting the run around and terrible customer service and us bank does no protect my money.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (UT)

I have received a debt collection letter from Nationwide Credit Inc in the amount of {$92.00} I do not owe this debt and have no idea what it's for. 

I have contacted the XXXX XXXX XXXX XXXX and they did not provide any information about the debt on XX/XX/20
Consumer complaint received 2020-08-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL (FL)

XX/XX/20 Synchrony will not change my CD maturity instructions. 

They insist on sending me a code to verify my identity but something is wrong with their system. They have sent me 2 codes by text, 2 codes by phone call, and 2 codes by XXXX. I received the codes they sent. I told them the codes over the phone. Yet they can not process it on their end. 

I just want to have synchrony change the maturity instructions on my CDs.
Consumer complaint received 2019-01-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NJ)

Our mortgage loan was sold from XXXX to Fay Servicing in XX/XX/XXXX 
Since the turnover, Fay Servicing provided me with a loan officer but she rarely returns my phone calls and they keep demanding double mortgage payments and I can not afford double payments. I also have not received a mortgage statement for XX/XX/XXXX or XX/XX/XXXX. Even the Mangement will not return my phone calls. All they do is send certified letters for intent to foreclose. We have lived in our home for 20 years. Have had rough financial times and have always worked it out. I feel that Fay servicing just wants us out. Please help.
Consumer complaint received 2020-08-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (NJ)

Loan # XXXX On XX/XX/XXXX I borrowed {$570.00} from online lender Loan at Last. 
The lender charged me 19 bi-weekly payments or {$150.00} and 1 final payment of {$150.00} withdrawn from my checking account from XX/XX/XXXX to XX/XX/XXXX. 

Total payments = {$3100.00} on a loan of {$570.00} The interest rate charged is 795.87 % Total interest = {$2500.00} for a {$570.00} loan. 

These charges are far more than any other legitimate lender would be allowed to charge in any state in the United States. 

I believe these lenders should be prohibited from lending in all states including NJ. 

They did not disclose to me while making this loan that they were a tribal lender and believe they are not subject to fair banking laws,
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Open a XXXX  credit card with XXXX dollars and got XXXX dollars bill that I owed them after I gave them the XXXX dollars for the card so the said I went of my XXXX bucks by XXXX so total they are saying I spent was XXXX dollars
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I sent Bank of America a remittance coupon to pay my credit card bill.They ended up closing my account after they said they received the payment.They also closed my business account right Before they closed my credit card account.They never posted the payment which was sent certified mail on XXXX XXXXThey never spoke of closing the account they said your in good standing.
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

In XXXX we traveled to the XXXX XXXX for vacation. While there, our CitiCard/CitiBank credit card was used against our will ; we were detained by a manager of a resort who used our card to process a payment for the entire resort stay, even though it had been prepaid in advance. We were held against our will for several hours, missed our flight back to the XXXX and were threated with being arrested if we didn't allow the manager to process the credit card with the fraudulent charge. The card was charged, and we were released. As soon as I was in a van heading to the airport I contacted CITI to advise we had been blackmailed and forced to use the card. Citibank said they would look into it, but eventually said they would not reverse the fraudulent charge. We advised Citi we were not going to pay for a fraudulent charge, and that this was covered under the terms of our credit agreement with them. 

A few months later, I lost my job when my employer closed their business. I contacted all of my creditors to make payment arrangement, including Citi. All other creditors agreed to close my account, stop interest accrual and accept payments for the balance. Citi refused to make any concession and because they refused to remove any of the fraudulent charges made in the XXXX I decided to use my limited resources to pay the creditors who were trying to work with me. 

Since the beginning of XXXX I've been working full time, and my income has increased substantially over the years. I have attempted several times to contact Citi to try to negotiate payment of the charge off, but they do not have the account and can not provide me with any information about who the account has been sold to. They continue to report the CO on my credit under their own name, with no information about who owns the debt. This is negatively impacting my credit and my business.
Consumer complaint received 2018-11-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

1-The mortgage with XXXX XXXX in XXXX, California XXXX since XX/XX/XXXX has a 7.125 % interest. I tried Loan Mod maybe 2 or 3 times since XXXX. In XXXX, I requested via HAMP, but was denied first by ASC ( a wells fargo Servicer company ), and then by XXXX   XXXX/XXXX ( others sued XXXX in a class action - I was not involved or had knowledge of until after ). Wells Fargo informed me in early XXXX that they had taken over the mortgage, and began sending statements ( but not as ASC ). 

2-Wells Fargo/WF did not identify XXXX or reveal them in XXXX - they went by a CODE ( as investor ). I paid mortgage till XXXX, XXXX, and couldn't pay due to earlier loss of job, but wife ( not on title ) and I managed to pay till XXXX, XXXX. Since then : First, I requested a WF loan mod and stated loss of job as the reason. WF denied. 
Second, WF suggested XXXX-XXXX XXXX XXXX XXXX, who admitted me into their Prinicipal Reduction Program of upto {$100000.00}, then processed and declined by XXXX, XXXX. 
Third, WF re-entry accepted my loan mod application, and XXXX XXXX denied it in XXXX. Despite saying I could appeal in XXXX, They filed for foreclosure and are now demanding a reinstatement amount of {$35000.00} until XXXX XXXX, XXXX. ( The due amount jumping from about {$26000.00} to {$35000.00} due to attorney 's fees ). 

3-To reiterate, XXXX XXXX, XXXX WF home preservation said I could appeal. Instead they filed for foreclosure, and I started receiving notices ( maybe over 12 from XXXX company and XXXX XXXX on behalf of XXXX but with WF logo ) in my wife 's name and my name separately, plus certified signature mail notices ). WF Loan Mod Re-entry then suggested documents they needed, but kept denying the ones they themselves required and asked for other types. When they denied the 3rd time I said I would complain to a federal and county agency. Then to mollify me WF pushed my 'unhappiness ' to the 'executive ' level and a Ms. XXXX XXXX accepted the document other 's had denied, and requested more docs - I sent all docs on XX/XX/XXXX and they were all accepted on XX/XX/XXXX according to Ms. XXXX 

4-On XX/XX/XXXX Ms. XXXX XXXX, another 'executive ' from the recovery department researching my complaint said the reinstatement amount of {$35000.00} is due by XX/XX/XXXX, unless the WF underwriter ( unknown name ) decides on Loan Mod options. Wife as contributor and I could pay $ 3600+ on a monthly basis since our income situation had improved, but could not afford the {$26000.00} demanded in early XXXX, XXXX. However, WF in XXXX, XXXX said due to the foreclosure status as of XX/XX/XXXX or XXXX, XXXX ( different people gave me both dates ) I could no longer make a monthly payment.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

i had alot of problems With my account being used without my knowledge. money disappearing. money i didn't not use. i closed that account right away. and changed banks..did not like wells Fargo at all !!
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MS)

Ive opened an account with Wells Fargo twice in 2 years. Both times my account was closed without any warning. They said I didnt use my account in 30 days so they closed it. Nowhere in any agreement did it say anything about them closing accounts if not used in 30 days. Nor was I told when I opened the account. First time it was closed mid XXXX then it was closed in XXXX and I didnt have the account open more than a month
Consumer complaint received 2021-10-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (NV)

I signed up for a company named " American first finance '' to help furnish our new home because paying out of pocket wasn't an option. I was told that my balance for the couches i bought was XXXX XXXX i was NOT informed of any other charges after a certain amount of time. Recently i noticed that I've been paying this off for longer than i had thought so i logged into my American first finance account and it stated that i still owed almost XXXX $ more. I referred back to the email agreement and in a separate email i wasn't aware of being sent it said if i didn't pay off the XXXX $ within a month and a half an additional XXXX $ would be added to my remaining balance. I tried contacting the company to ask why they're trying to charge me two times more than i actually bought the couches for and they told me they cant do anything about it and refused to give me any information regarding my account. I then did some research on this company and a lot of people have been having issues with them fraudantly stealing money, charging their account more and adding more to their bill with out acknowledging the customer. I refuse to continue to make payments on an account that should have already been paid off.