davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WA)

Navient is the company ( previously Sallie Mae ). The  loan was taken out by the primary borrower in 2007. The primary borrower for this loan has made over 100 payments since the inception of the loan. Both the primary borrower and myself ( the co-signer ) over several years have previously contacted Navient ( previously Sallie Mae ) requesting removal of co-signer from the account. Navient ( and previously Sallie Mae ) customer service had stated on multiple times to both the primary borrower and myself ( the co-signer ) that the co-signer would be removed from the loan after 12 consecutive payments. The primary borrower has made 12 consecutive payments 8 times over and they still have not removed me from the loan and continue to erroneously place late payment status on my credit report which I repeatedly dispute. The primary borrower has made over 100 payments to this loan. The co-signer has made none, not once since  inception of the loan 11 years ago. The primary borrower has show the capability to pay for this loan more than 100 times. Additionally, when the primary borrower recently contacted Navient to make payment arrangements which Navient agreed to, Navient chose to place a 60 day late payment report to my credit account and then a 90-120 day late report consecutively which has caused a drop in my credit score of over 30 points. This report of late payments is not accurate.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I made a purchase for {$25.00} in XX/XX/XXXX. Due to an oversight regarding the payment due date, I contacted the company in XX/XX/XXXX to make good on the payment. I paid the {$25.00} original purchase and by that time two late fees ( for a total of {$50.00} ) had been charged to the account, totaling more than the original purchase. I asked the company to please waive the fee 's given that it was an oversight, that it was only one {$25.00} purchase, which I would pay in full, that was causing the late fees. I made the {$25.00} payment and they waived one late fee, but refused to waive the 2nd one. Thus, at this point, they have been accumulating late fee 's for a late fee they refused to waive. According to a customer service representative, their policy allows them to waive 2 late fees within a 12-month period. I had not had any other late fees having not used that card in more than several months if not a year and having paid any prior purchases in full and in a timely manner. I am simply asking the company to, at this point, waive all outstanding amounts - which total {$140.00}, since they are all related to that initial {$25.00} late fee, which they have refused to waive. Therefore, the outstanding amount is as a result of the company 's fees and not any outstanding purchase amounts. The one purchase for {$25.00} was paid within 2 months in full.
Consumer complaint received 2022-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

I was involved in a fraudulent scam where I received a phone call from someone impersonating a XXXX XXXX sheriff. I ended up being scammed in to submitting {$3000.00}. I have tried contacting Wells Fargo about this, I have filed a police report with the XXXX XXXX Police and the XXXX XXXX Consumer Protection. NOW, it turns out the person who scammed me is actually serving a life sentence in prison in Georgia. He somehow opened a bank account in XXXX of 2022. So now the FBI is aware of the situation. I have reviewed the EFTA Regulation E as well as the CFPB and I have also had a Lawyer review these documents. It is made clear that Wells Fargo is violating the EFTA and CFPB by not refunding the {$3000.00} to me given that this was a fraud and a scam. I am asking that Wells Fargo refund the {$3000.00} and THEN WELLS FARGO can go fight with XXXXXXXX XXXX ( the scammer 's bank ) to find out how this person was able to open a bank account from prison and get {$3000.00} back from XXXX and/or the prison inmate.
Consumer complaint received 2017-06-15
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. (IL)

Received letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX that they had to close my account due to it being overdrawn leaving a balance of {$110.00}. I call immediately to pay the balance over the phone but was told I needed to come in person to settle the account. I explained the financial situation that had occurred to the representative and assured her I would be in within the next day to pay the balance. She informed me that as soon as i brought the account current I could re-establish the account and nothing would be reported to credit bureaus if i acted fast. I visited the local branch in XXXX where i setup the account on XXXX/XXXX/XXXX. Stood in a long line sick with XXXX to get resolution. I had my checkbook and debit card from another institution and was told they only took cash for closeout. The teller was able to let me do a debit transaction since I stood in line so long and the bank was about close ( see screen shot of transaction on my account ). I paid the transaction. Signed receipt and was told that I would get something i the mail. Never did. A week later I get an alert that negative information was added to my credit report. The bank listed the item on my credit report as a collection item AFTER i was told by the representative that nothing would be reported negatively. I called the bank several times within the past couple of days. Today XXXX was the final attempt to get resolution before filing a complaint. Today I had my notebook hand to jot down names and times. I spoke with XXXX at XXXX  this morning around XXXX. She verified my account with various questions and proceeded to ask me how she can help. I explained the story about the closing of my account due financial challenges and my visit on the XXXX to pay the account in full. I informed her that nothing was supposed to be report. I did n't remember the previous representative i spoke to on my initial call. XXXX informed me she was " unable to verify my account '' and I needed to visit a local branch. I informed her I ca n't due to my work hours and that XXXX  just called me last week to offer me a pre-approved refi on my mortgage -- how can you not verify my account. I asked for a supervisor and was told they were all busy. I got the names of the supervisors XXXX or XXXX who were going to return my call. I called back around XXXX because i was on break and had not heard back. I was told they were still busy. After getting home from work I checked VM and XXXX from XXXX called at XXXX. i had no energy to call him back or re-explain the issue at this point.
Consumer complaint received 2022-08-01
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 — Investigation took more than 30 days
Company: DISCOVER BANK (OR)

I had a fraudulent inquiry on my credit report on XX/XX/XXXX from Discovery- I received the alert from my phone and immediately contacted them that it was fraud and to have it removed. I also have a fraud statement on my credit report. It has been over 60days it has not been deleted- I have contacted both XXXX and Discover and they both tell me to contact the other one. 

Today XX/XX/XXXX I contacted Discovery fraud and spoke to XXXX XXXX she told me to call back tmrw with this ref # XXXX and they can turn it from a hard inquiry to a soft- there shouldnt be any inquiry because I didnt authorize it- I want it removed
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

On XX/XX/2022 I sent {$750.00} ( money order ), along with a Settlement letter to National Credit Systems. Previously, I sent a {$750.00} Cashier 's check to the same company and the check was returned back to me. The note I received was that the company could not accept a cashier 's check and ask me send a Money order. 

Today is XX/XX/2022 and no response! I paid this creditor and they also received the settlement letter.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (VA)

I have purchased a service on XX/XX/XXXX ( XXXX  ) at XXXX called XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  for XXXX ; Multiple Days Available, selecting one of the available dates : XX/XX/XXXX ( XXXX  ) at XXXX. 

After my order was placed, it became pending status. After a few minutes, my order status became refund. Then the screen started showing that I have only a partial refund. 

I immediately contacted XXXX customer service. They said my order was rejected due to inventory shortage ( but their website was not updated accordingly ). They said they can not give me a full refund, even though it is their fault not to update the website and they are the one who cancelled my order immediately. 

Its a fraud.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be XXXX XXXX accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-07-22
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. (MS)

I have XXXX accounts in my name on my XXXX credit report that I dont have a clue about. XXXX is XXXX XXXX XXXX and the other is XXXX XXXX XXXX My idenity was stolen and used to recieve credit cards that I didnt consent too. I am filling this report to press charges.
Consumer complaint received 2020-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (KY)

Today XX/XX/XXXX, I logged into my XXXX XXXX XXXX Account Account # : XXXX and noticed my FIXED interest rate of 1.875 % had been increased to 2.875 %. Again, my rate was supposed to be a fixed interest rate. I have had this interest rate since XXXX due to a rate reduction for making 36 on time payments. I looked over my account and nowhere was I ever notified that my fixed rate had been changed. In fact, I had done a forebearance in XX/XX/XXXX and I have a letter dated XX/XX/XXXX for the repayment of the forebearance that also shows my rate as 1.875 %. I then noticed my lender showed as XXXX XXXX Wells Fargo . It appears my loans were recently sold to Wells Fargo. I contact XXXX XXXX XXXX and spoke to XXXX ID # XXXX and she informed that she saw no reason for why the rate was increased and that it was Wells Fargo that did it. My original loan rate when I consolidated my loans many years ago was 2.875 %. It was a fixed rate as well and then when down to a fixed rate of 1.875 % after 36 months of on time payments. I have never made a late payment either so this rate increase is not justified when again, I have a fixed rate. I do not appreciate Wells Fargo scamming me like this. If I had auto payments in place, I never would have known about this. Currently my loans are accruing interest at a rate of 2.875 and I do not know how this will be adjusted or if it will even be fixed. I have account documentation to support all of this. Furthermore, I was told my loans are not eligible under the forebearance for the pandemic. I do not understand why when I have federal unsubscribed and subsidized loans. Attached are the documents showing my loan repayment terms ( in regards to my forebearance ) clearly detailing my interest rate as 1.875 %, my last statement from XX/XX/XXXX and the account overview showing my rate was changed to 2.875 %.
Consumer complaint received 2022-08-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-01-10
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: EQUIFAX, INC. (LA)

I submitted a formal dispute with XXXX, Equifax and XXXX   on XX/XX/2018 via certified mail. In this dispute I informed all of them that they were reporting unverified incorrect data on the credit file they possess under my name. I also reminded them that they are bound by the Fair Credit Reporting Act to report only true and verified data. As per FCRA laws, they are required to have a copy of the creditors ORIGINAL documentation ( a consumer contract with my signature on it ), on file, to verify the information being furnished is true and correct. I requested XXXX, Equifax and XXXX to provide me with copies of ALL documentation associated with this account entitled to me in accordance with FCRA Section 609 ( a ) ( 1 ) ( A ). I also requested all three agencies to provide me with the method of verification as per Section 611 ( a ) ( 7 ). I stated that in the absence of any such documentation they permanently DELETE the inaccurate unverified account on my file. The companies responded to me that they have " verified this account belongs to you ''. Equifax, XXXX and XXXX  did NOT provide any information that i requested. No documentation was provided to me at all, they also provided no method of verification. This is AGAINST THE LAW and in clear violation of my rights. I demand XXXX, Equifax and XXXX be held liable for reporting false invalidated information. To date, the account 'XXXX & XXXX, XXXX XXXX, XXXX XXXX , LA XXXX ' remains on my credit file and I want this account permanently deleted IMMEDIATELY as it is inhibiting my right to good credit.
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I believe that I was discriminated against regarding the original Mortgage with Countrywide, in 2004, with a higher interest rate, due to my race. Subsequently, my home was sold to Bank of America and then later to XXXX XXXX, in which I loss half of my income during the pandemic and sought out help with an organization and when I received the help... the bank ( XXXX XXXX  ) did not provide me with additional time in order to get the payment to them in order to keep my home.
Consumer complaint received 2019-12-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX formerly XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debt and have been reporting it on my credit reports. For the past 4 months, I have been requesting documents to support their claim. When I requested by law that they send me identifying documents to show that I owe this debt such as ID, Social Security Number, and contract bearing my signature, they have not done so ... No legal documentation at all! I don't understand how they get away with putting this on my credit ... No proof. In the midst of this, they are ruining my quality of life because they have put this item on my credit in the amount of {$9700.00}.
Consumer complaint received 2018-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

The credit card company allowed charges on my card in excess of the credit limit. Over double the limit. They didnt notify me or decline the charges. And they were made by authorized use. 
Barclays Bank XXXX credit card. I have closed the account and am disputing charges over the limit.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

CHASE BANK BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX A XXXX BALANCE ACCOUNT : XX/XX/XXXX CHASE BANK STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX CHASE BANK BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX CHASE BALANCE INQUIRY AT CHASE BANK BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM CHASE BANK THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. CHASE REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 CHASE LETTERS REGARDING XXXX XXXX XXXX REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR CHASE WHO HAS A BUSINESS RELATIONSHIP WITH XXXX   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

CHASE TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO XXXX AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? XXXX  IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

CHASE STATES IN YOUR LETTERS WE ASKED XXXX TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT XXXX XXXX XXXX TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING CHASE STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE XXXX XXXX XXXX ( XXXX ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER XX/XX/XXXX CHASE LETTER
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX  ACCNT # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (AR)

WELLS FARGO BANK AND XXXX XXXX ARE IN COLLUSION WITH EACH OTHER AND PULLED XXXX KNOWING IT WAS BLOCKED. VIOLATING 15 U.S.C. SECTION 1681G OF FCRA AND DODD FRANK ACT. XXXX XXXX XXXX AND XXXX XXXX XXXX SEE ATTACHED