davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have been a 12 year customer of Wells Fargo, last year I was forced to refinance my home ( in the words of my loan officer, Wells Fargo closed on my new home originally in XXXX with a Home Improvement loan that had a large balloon payment and was no longer a legal product ). Since I am XXXX years old I have been concerned about the future of my family and repayment of such a loan. In XX/XX/XXXX I was convinced by Wells Fargo to refinance, with a catch, that I would only need an escrow account for one year, so I was told. Up until XX/XX/XXXX I always paid my own taxes and insurance, never was late, never had an issue. In the past 2 years Wells Fargo has paid the wrong Home Owners insurance policy even though I tried to communicate that I had changed insurance carriers. When I questioned about dropping my escrow, the company declined, instead started sending me advertising in the mail about the importance of an escrow, and sending threatening letters as to how high they were going to raise my escrow in order to maintain one full year of escrow payments in advance in my account. When I asked to drop the escrow as I was promised, as it was written to me the company pushed back. I had to take Wells Fargo to the XXXX  just to get funds back after my escrow closing, the closing was not done properly, that is a very long story and can be told another day. I am at a point where I just want to pay my own taxes as I have for over a decade, yet Wells Fargo is doing everything to be non committal, CYA letters from the President, wait me out to see if I will go away, but I will not. I will take this complaint to the Attorney General if I am allowed. This complain will ultimately reveal alot of Well 's Fargo business practices that continue to come to light for me. Thank you for giving me a place to be able to voice my concerns.
Consumer complaint received 2022-12-06
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: CITIBANK, N.A. (IL)

Inquiries were fraudulently placed on the account. Accounts removed but inquiries still remain. Inquiries need to be removed. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-10-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (NC)

The interest amount of a {$570.00} loan was over 500 %. I ended up paying over {$3600.00} for a year payback amount.I need to know if this interest amount is legal
Consumer complaint received 2020-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (RI)

I discussed having my name taken off my grandaughter 's student loan. The full amount of her two loans was {$21000.00}. I was told that if I paid {$5400.00}, my name would be removed from the loans. This was the latest offer as of XX/XX/XXXX. 
I then asked if that would leave the balance of the loans at the difference of the two amounts and was told : no, the full amount of {$21000.00} would still be owed by my grandaughter. She would be responsible for the full amount even though I had paid the {$5400.00}. 
There is something definitely wrong here. I had been having {$110.00} per month automatically deducted from my checking account for years, but have put a stop payment to Navient for that amount which is effective until XX/XX/XXXX. 
The above offer was only available until XX/XX/XXXX. 
I may be wrong but I think this is fraud. If I made the smaller payment, only the balance of the loan should be due, not the full amount. 
They also continue to call via automated phone calls after XXXX XXXX very frequently. 
I have been dealing with them for some time now and find them arrogant, rude and totally annoying. You are shifted to several different people in the course of a conversation with them. It is very upsetting and aggravating. I do not like this company at all.
Consumer complaint received 2021-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IA)

I recieved a notification of a debt on my credit report stating that jefferson capitol systems had aquired a debt from XX/XX/2011 for the amount of {$790.00} which they purchased from us cellular. I have not recieved any mail notifying me of said debt. Not to mention the statue if limitations on most debts is 7yrs, others is 10yrs. They have reported this debt twice on my credit report from experian. That also is fraudulent. I have asked them twice now to remove the debt from my credit and the 1st time i was hung up on. The 2nd time they were dismissive of my demands to have it removed.
Consumer complaint received 2020-05-19
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-11-02
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 have Unathorized accounts & inquires on my Credit report. According to the Fcra Any Unathoriized items on my report must be removed if not % 100 accarute & Verifiable. Please Remove this From my report
Consumer complaint received 2017-08-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (GA)

I have written multiple letter to ALLY about their accounting practices on my account. On XX/XX/XXXX Ally Sent me a final bill which made no sense in accounting My car was sold in auction with a SURPLUS of XXXX over the RESIDUAL BALANCE. ALLY did not give me any documentation of proof of the sale or sale amount. Ally also took at the profits and then still charged me for payments on the account when I did not have the car. They added fake fees and refuse to adjust this account. They have been reporting this account as owing XXXX. I do not owe this amount The Payment history shows me owing a balance of XXXX in payments being owed datedXX/XX/XXXX but on the final billing statement shows I owe XXXX??
If I owed XXXX total for my lease and paid XXXX+XXXX late fees=XXXX XXXX  total balance -XXXX balance owed XXXX is balance If there was a SURPLUS of XXXX and a XXXX credit where did they go?
There is no accounting for the account once it was sold of fees and sale amount.
ALLY are in violation of 15 U.S.C. 808 15 U.S.C. 802 15 U.S.C. 806 I am requesting a copy of the bill of sale of the vehicle and accounting for all charges and fees I am requesting In detail the break down of the final billing statement dated XX/XX/XXXX Explain specifically in detail where each credit and debit went to and where they came from.
I have disputed this multiple times with the credit bureaus and ALLY continues to report these false claims. My rights are being violated and ALLY as all of these CORPORATIONS are taking advantage of the people. I was never late until loosing my job. They sold the car and made a profit and lost no money and still want to bill me as a customer. This is unfair
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (GA)

WELLS FARGO BANK XXXX Status current I owe {$0.00} Date opened XX/XX/2016 I have never signed any written document saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from XXXX and XXXX.
Consumer complaint received 2020-05-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (CA)

My lease was current and in good standing through XX/XX/2020. The C19 stoppage occurred, and I tried to postpone my lease payment to conserve cash like everyone else. I attempted to make a modification on the website, but Ford wanted 33 % penalty to postpone the payment. I would not pay this price gouging extortion amount. 

I have been calling the " help '' line in an attempt to communicate the fact that I would be making payments but would be pushing them 90 days. The Ford system would " not accept '' the modified, promise to pay date that I gave. 

Ford has illegally ( under the CARES Act ) reported this as a late payment and is attempting to ruin my credit ( was an XXXX prior to this ). All this while Ford tries to make itself the " good guy '' by offering " new '' customers a 90 deferment of payments, seriously? 

Ford is profiting off of the C19 stoppage by grabbing an extra 33 % from those that are just trying to do the right thing, and trying to hang on and get through this XXXX. If this is happening to me, it must be happening to tens of thousands of people across the State and Nation.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weber & Olcese, PLC (MI)

The attorney is attempting to collect a debt and is subject to the rules and debt collection practices of the Fair Debt Collection Practice Act ( FDCPA ). Heintz v. Jenkins, 514 U.S. 291 ( 1995 ). Attorney violated the ( FDCPA ) around XX/XX/XXXX, and XX/XX/XXXX, by refusing to submit a full chain of assignments, the original contract between the debt buyer and alleged original creditor with the terms and conditions also can not produce a signed original contract between the alleged creditor and me, also I have no contractual obligation with the debt buyer also under the 30 day validation period of the ( FDCAP ). An attorney can not claim any privileges under the ( FDCPA ) and is not shielded from the ( FDCPA ) and has failed to comply with the validation process also the discovery process and is still attempting to collect the alleged debt The attorney is using false and deceptive tactics by claiming that I owe the debt because the debt was not disputed within 30 days. This is a violation of the ( FDCPA ) and the attorney also the debt buyer must comply with the procedures of the ( FDCPA ) and stop trying to collect an alleged debt they have failed to prove any legal standing to collect.
Consumer complaint received 2020-05-19
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: WELLS FARGO & COMPANY (OH)

There is an account on my report that opened without my authorization of knowledge about 5 years ago, I only found out when recently applying for a credit card that this account, showing and unpaid balance o XXXX with 37 charge offs, was the reason why I as turned down, I have always paid my bills on time, and was totally shocked to see this account with so many charge offs and how much it was hurting my score. I spoke to wells fargo several times asking for documentation regarding this loan which they never provide me, The last phone call, they even offered to remove the amount owed so it shows XXXX balance but leave all the charge offs. I did not accept
Consumer complaint received 2020-12-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AZ)

I initiated an inquiry regarding a refinance with a local broker. We were in the early stages of the process and apparently he forwarded my application to Quicken Loans. I subsequently cancelled the transaction without ever moving forward however Quicken Loans continued to order payoff statements from my mortgage company after the transaction was cancelled. I never worked with XXXX nor did I authorize them to request these payoff statements. This caused me to incur 4 charges of {$30.00} each for a total of {$120.00}. I have reached out to XXXX on multiple occasions and they refused to investigate. They also refused to provide copies of the authorization they claim to have.
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (MA)

I had an Account at XXXXXXXX XXXX XXXX in XXXX Mass. The card was a combination Member/Credit card. The Credit card Co. was XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX in XXXX Ma. closed. I was told by XXXXXXXX XXXX XXXX  that I could close my account and get a total refund of my membership dues ( {$100.00} ), which I did onXX/XX/XXXX at the XXXX New Hampshire store and my refund was paid in full. I had a Cash Back rewards balance from XXXX of {$150.00} which the credit card company ( Synchrony ) was supposed to pay me in XX/XX/XXXX. I canceled the credit card on XX/XX/XXXX and they gave me a confirmation # XXXX. The credit card company is telling me that because I canceled the credit card I have forfeited my Cash Back rewards of {$150.00} from XXXX. They have told me that when I canceled the acct. I was advised that I would loose the Cash Back rewards. No one ever told me this, if they had I would have left the acct. open and closed it after receiving the Cash Back rewards check
Consumer complaint received 2020-07-06
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: MoneyLion Inc. (MA)

XXXX  AND MONEY LION FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. MONEY LION IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND XXXX IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE MONEY LION ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND XXXX IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Consumer complaint received 2020-12-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Managers, Inc. (WA)

This collection agency has obtain my XXXX  son 's medical records without HIPPA release form. I have requested from them a copy of the HIPPA release form if they had one and they refused to provide it to me. 

My son has a primary and secondary insurance and we never paid a medical bill out of pocket. 

This collection agency has also reported this purported debt to all three credit bureaus and they have significantly damaged my credit report.
Consumer complaint received 2020-11-19
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 (IL)

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2020-11-02
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: JPMORGAN CHASE & CO. (FL)

During the month of XX/XX/XXXX, Our Chase Visa credit card was fraudulently used 98 times, racking up fraudulent charges totaling {$25000.00}. All of these charges were made to an on-line gaming site called XXXX. The fraudulent charges were as follows : 40 each at {$500.00}, 55 each at {$100.00}, 3 each at {$20.00}. 
Chase never notified me of the fraudulent activity. I only found out when my credit card was denied while dining out. Chase allowed the fraudulent charges to continue all month until my account was {$17000.00} over the card limit. ( XX/XX/XXXX statement : {$37000.00} vs. {$20000.00} card limit ). 
This complaint has been ongoing for over a year. I've written 5 letters ( latest copy is attached ), and made well over 20 phone calls. At first Chase said that these fraudulent charges were part of a scam and that Chase would not cover scams, and that I was responsible for all the charges. Later they changed to say that the charges were actually fraudulent, and that the computers had been hacked. They said they had issued a refund ( not true -- see attached letter ; Chase 's numbers do not agree ). Their latest decision ( phonecon XX/XX/XXXX, XXXX ) is that they've done all they can do and too much time has elapsed to continue expending any more effort to resolve this case. It's not my fault that so much time has elapsed. I've been wrestling with Chase for over a year trying to get them to resolve this. According to Chase 's actual statements ( copies attached ), I had to paid {$26000.00} over and above my actual charges ( {$25000.00} fraud plus interest I assume ). Yet Chase has never answered my question as to why I was required to pay {$26000.00} over the amount of my valid charges. See the attached letter for a detailed break down of the issues.
Consumer complaint received 2020-11-19
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: LEXISNEXIS (GA)

I disputed a bankruptcy that Lexis Nexis has listed on my consumer report and they are continuously reporting to the credit bureaus. On XX/XX/2020, I received a letter from Lexis Nexis stating the Lexis Nexis investigated and verified that the information was accurate and true. The letter from Lexis Nexis goes on to inform me that under the Fair Credit Reporting Act ( FCRA ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the disputed information. On XX/XX/2020, I enacted that right and requested Lexis Nexis provide me their investigative procedure ( Method of Verification ). I sent the letter certified mail to ensure deliverability. On XX/XX/2020, at XXXX XXXX the letter was delivered and the 15-day window for your establishment to respond with the Method of Verification began. As of XX/XX/2020, the 15 day grace period given to respond to my request expired without a response to my request. On XX/XX/2020, I received a letter from Lexis Nexis that was dated XX/XX/2020, again stating verified but still not providing me with the information requested, which was their Method Of Verification. On XX/XX/2020, I contacted Lexis Nexis via telephone at XXXX ; XXXX XXXX and informed the service rep of everything stated in this message and asked if they could provide me with the information, the service placed me on hold and I stayed on hold until the phone hung up at XXXX XXXX. Lexis Nexis has failed to provide me with the information they informed me I was entitled to under the Fair Credit Reporting Act. Therefore, I would like Lexis Nexis to delete the unverified item from my consumer report and remove and refrain from continually reporting the unverified information to the credit bureaus.
Consumer complaint received 2017-08-08
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. (TN)

I have disputed the following trade lines with the reporting agency online and via certified mail asking for them to please conduct an investigation as the information being reported in my credit report is in inaccurate and does not belong to me and they still keep reporting it.This derogatory information is preventing me from obtaining a loan which I have pointed out an several occasions. I have also sent certified letters to the company themselves via certified mail and they will not even respond to my requested or provided a signed contract or anything that binds me to the amounts they say that I owe, I do n't understand how the reporting agency can claim that they have validated the debts and conducted an investigation listed below when I can even get the people who are reporting this derogatory invalidated information to respond. 1. XXXX XXXX XXXX XXXX ( I have no knowledge of this account. ) 2. XXXX XXXX ( I have no knowledge of this account. ) 3. XXXX XXXX ( I have no knowledge of this account. ) I have asked over and over and over for you to please remove these items from my report as they are not mine, and my request are ignored or responded that they have been validated. There is no way under the FDCR and FDCPA guidelines that you have conducted a proper investigation. I keep asking for the method you are using and even those requested are ignored.