davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX,2022 I got a call from someone who stated that they were with wells fargo fraud department and they needed my address and date of birth to verify my account as someone named XXXX had stolen my identity and opened up a wells fargo account in my name. The person stated that that the police had caugto XXXX XXXXXXXX and that I would be contacted due to the identity theft and fraud activity. Once i gave the person my name, date of birth and house address I immediatly got an email that a credit card from wells fargo had been opened up in my name and I was beyond XXXX off because the person that called me pretendig to be wells fargo was a scammer who used my information to open a wells fargo credit card in my name. I immediately looked up wells fargo credit card department on line and told them what had just happned and they verified that I had been scammed as someone had opened up a wells fargo credit card in my name and it was identity theft and I never applied for a credit card so now I have a hard credit inquiry on my credit reports regarding this. I immediatly told wells fargot to close the account, dont send out a credit card and to make sure that the scammer cant acccess anything on my credit report. I also placed a credit freeze on my XXXX XXXX  and XXXX reports so that the scammer couldnt open anymore account or cards in my name.
Consumer complaint received 2015-08-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Focus Holding Company (TN)

Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MI)

Used credit card on XX/XX/XXXX for {$13000.00} to a vendor named XXXX XXXX  for concrete work at our home. Vendor did not supply services as contracted despite being paid. Filed a dispute with Citibank on XX/XX/XXXX for vendor not delivering services after vendor stopped working on job. Vendor indicated they did not have our money any longer. 

Citibank opened an investigation ( dispute XXXX ) and issued a conditional credit pending outcome of investigation. 

Citibank replied to me with a letter via their internal messaging system on their website, which I did not see, with a respond-to date of XX/XX/XXXX for supporting documentation. When I saw the request on XX/XX/XXXX I immediately called their customer service dept to explain what happened and we told to simply responded to the request and it would be fine. I responded with two .pdf 's with the information they needed to support the fact that XXXX XXXX  did not perform the work they were paid ( {$13000.00} on Citibank card ) to do. 

Citi then posted a letter on their internal messaging system that I had missed the deadline and they reversed the conditional credit. This letter was dated XX/XX/XXXX. 

I communicated many, many times with their dispute center and was told that the investigation was in-fact still open and a decision would come in 7 to 10 days. Each time I called I was told the same thing ; 7 to 10 days. 

On XX/XX/XXXX I send a release of claim of the money from the vendor, XXXX XXXX, to Citibank and discussed with their dispute center. The dispute center said it was an open and shut case in my favor based on this letter from the vendor on their letterhead. 

The last communication I had with their dispute center was XX/XX/XXXX and I was told that the investigation still continues and there is nothing they can do. They told me to communication to the dispute investigators, again, and plead my case. I've not heard anything from Citibank since XX/XX/XXXX ; all of the followup has been initiated by me. 

I am filing this complaint because Citibank is not honoring their commitment to protect in this dispute with a vendor that clearly, and admittedly, did not perform the service for which I paid using the Citibank card.
Consumer complaint received 2015-08-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: REGIONS FINANCIAL CORPORATION (TN)

I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX
Consumer complaint received 2017-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY (CO)

After I submitted complaint # 1 about Wells Fargo 's handling of our student loan, here 's what I have as of XX/XX/XXXX : - Despite the fact I was a customer in good standing from XX/XX/XXXX to XX/XX/XXXX, in XX/XX/XXXX our account went into defaults because suddenly two of three accounts were n't called out by number on my payment. Never a problem before XX/XX/XXXX, a problem now yet no notification that something had changed or shifted - Despite the fact I 've been paying {$500.00} every two weeks against the loan set since XX/XX/XXXX, since XX/XX/XXXX I 've had to pay @ {$700.00} extra to make up for the " default '' account and apparently still " owe '' {$320.00} - over an additional {$1000.00} out of pocket and a hit on my credit report, thank you Wells Fargo for the awesome refund of {$37.00} on so-called late fees - In their written response, Wells Fargo clearly states : " we are unable to send cosigners monthly billing statements. '' If cosigners are held to the same level of responsibility as primary account holders, we should legally have the same rights.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

( All documents will be attached ) My Wife and I were discriminated by Chase bank, we applied for a loan with them seeing we had good standing ( XXXX ) bank accounts with Chase ; over $ 64XXXX in savings ( obtain in less that 3 1/2 years ) and great credit scores, plus a combined 12 years with the bank. In fact we got pre-approved and had final approval but weeks before the final close they denied our loan stating : * Excessive obligations in relation to eligible income * Temporary or irregular employment Which turn out to be a false reason, because we found another financial institution, and used the SAME financial information ( same people involved ; my wife and I ) As we did not want to lose the house we spent over a year looking for and that loan was approved with no issues, in fact we have been living in our new home for half a year now. And shortly after moving found out our loan was purchased by XXXX which also works with Chase Bank. meaning our information was complete and correct it was Chase 's sole decision to deny our loan based on false pretenses to cover for the discrimination against my wife who at the time was a US resident from XXXX, also the discrimination might have been fueled by her gender, we can not be sure but I am sure the denied loan was fueled by racism as I spoke with several loan officers and they had a distinct mocking tone after reviewing our information.
Consumer complaint received 2017-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (KY)

On XX/XX/XXXX, I received my monthly mortgage billing statement with the amount due of {$910.00} by XX/XX/XXXX. I paid {$450.00} onXX/XX/XXXX. I called the customer service number XX/XX/XXXX to pay over the phone for another payment to meet the billing statement total amount due. The customer service rep told me that I can no longer pay monthly payments, instead I had to pay the loan in full, which is around {$1700.00}. She stated I also ca n't pay with anything other than certified funds. 

The Mr. Cooper team member advised me that my maturity date has passed as of XX/XX/XXXX. I asked her when I had missed a payment, or had a deferment, to cause me to still owe if my maturity date had passed. At this point, I gave permission to for my son to speak to the team member because I did n't quite understand what was going on. 

My son asked for the specific dates that caused my loan to pass maturity with a balance owed still. The team member was unable to tell me and said " we show you have never missed a payment, but our transaction history only goes back so far. 

At this point, I feel like I am being threatened and forced into foreclosure, as the company will not allow me to pay my monthly payment amounts, instead trying to force me to pay one large payment that I do n't have. My son states that I should n't owe anything anyway, because I have never missed a payment so my loan should be at a {$0.00} balance as of XX/XX/XXXX. My husband is on XXXX and I am a retired XXXX. I feel like this company is trying to take my home when I am trying to continue to pay! Plus, now I think they are trying to make me pay something that I do n't even owe! 

If the team member was unable to tell me why my maturity date has passed and I still have a balance, I think my lien should be released and my loan be XXXX balanced. There has obviously been an error. 

Also, it is very deceptive to not inform me that my maturity date is about to pass and that I would have to come up with a large payment. The billing statement did not warn me, nor did I receive any letter letting me know this was going to happen. It is unfair and deceptive!
Consumer complaint received 2017-04-27
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)

The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name   XXXX   XXXX   XXXX   Status Paid, Closed.   Date opened   XXXX /2014 Details Pa yment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have disputed since XXXX and equifax and companies are bouncing me around. My information was used to fraudently apply for an XXXX XXXX XXXX account and also a XXXX account. There are XXXX inquiries on my credit report and Equifax, XXXX XXXX XXXX and XXXX has refused to remove these HARD inquiries which are affecting my credit score. I faxed documentation to support the incorrect information, but neither companies are complying and I am exhausted with dealing with them and hope to get assistance to remove this fraud.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (OR)

Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I submitted a co-signer release to Navient which was not approved. I have XXXX credit score, I work for a XXXX and have for the past two years, I am currently getting my XXXX, my co-signer has a XXXX credit score and has filed bankruptcy in the past and I feel is a liability to being on my loan. She was married with XXXX incomes when she co-signed, she is now divorced and can barely make ends meat herself.
Consumer complaint received 2017-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NH)

I graduated from school with around {$35000.00} in debt. Being a woman, I was never able to make enough to even make a dent in the debt. Men always made twice or more than me. For ten years, I was only able to make the minimum payments and that was only after years of economic deferment which grew the debt. Then I had children and have been unemployed for a long time. Navient took over my debt which has now grown to {$80000.00}. They have nearly doubled it and even added an extra $ XXXX because of my lateness. I am now XXXX, in my XXXX, and so broke I have nothing, own nothing, struggle every day. I have told them I ca n't make payments and likely never will be able to. I ca n't even live comfortably and often go without food. It has been over 20 years since I graduated from college. Navient refuses to help and even when I gave them all of the information they needed, they still refuse to help. This loan needs to be discharged. It has been 20 years. They just harass me and keep my credit destroyed. Even if I made minimum payments, I would n't be able to repay this loan until I am in my XXXX. It is horrendous. It is a crime. And the education I received did absolutely nothing to help me financially - the biggest factor being because I am a woman. We will never be paid fairly. I wish I had known beforehand that I would never be able to pay these loans back. But I was told it would be fine, I would make money, I would easily pay these loans back. I was told it would be easy. I was XXXX when I signed up for the loans, not knowing anything about money or finance. I was lied to and misled.
Consumer complaint received 2019-10-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX I requested in writing about the fraudulent inquiries that are appearing on my XXXX   report as several duplicates and I requested for them to be removed and or verified. Equifax and XXXX  have accounts that I have to them they are related to my Social number I demand they are removed it been over the allotment time and Equifax has 145 inquiries that was put on my report from who knows were please help me get this information corrected.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I have an account listed that shows that I have a statement added to it " Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' I had requested this comment be removed because it was added there by EXPERIAN, I submitted the request to have it removed online, and EXPERIAN " investigated '' the account and left the comment on the account.
Consumer complaint received 2023-01-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update the following inaccurate information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly adjust these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I can not LOCK or UNLOCK my credit history on Equifax 's so called TRUSTEDID XXXX website as they advertise. When I called for customer support I reached people in the XXXX who transfered me no less than XXXX times. I could not get a straight answer out of any of them. This whole situation is totally ridiculous!
Consumer complaint received 2020-01-19
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-03-23
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. (HI)

TIMELINE : XX/XX/XXXX : My Citibank account statement for card ending in XXXX, indicated a charge to XXXX XXXX in XXXX XXXX, CA. for the amount of {$170.00}. 

XX/XX/XXXX : I contacted the XXXX XXXX store by phone. The manager stated he had no record of the charge. 

XX/XX/XXXX : I contacted Citibank and notified them of the fraudulent charge. My credit card ending in XXXX was cancelled, and Citibank sent me a replacement credit card. 

XX/XX/XXXX : Per Citibank request, I completed and emailed the standard dispute form ( attached ). Citibank also provided a receipt from the vendor, which is also attached. 

It is important to note that the XXXX XXXX receipt indicates that this was an online order ( i.e., my credit card was not physically presented ), and the customer phone number as well as the customer email address are not mine. I do not live in California, I received no merchandise, and I did not authorize anyone to use my credit card. Alas, Citibank has declined my request to credit my account the {$170.00} for which I am owed.
Consumer complaint received 2017-10-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (TX)

On XXXX XXXX, XXXX, I faxed a payoff amount request for Account XXXX. XXXX, XXXX XXXX Property Address ) to M & T Bank. The inquiry was faxed to the payoff fax number listed on my latest statement ( please see attachment ) to M & T Banks XXXX Department. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was requesting the loan payoff amount associated with my loan ( Account No. XXXXX ) ; however, I still have not received any type of response.
Consumer complaint received 2017-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (TX)

I have a hard inquiry on my report from Discover. I called Discover and the rep was not able to locate an account or application using my SSN.

She said I should dispute, as a hard inquiry should not be on my report if there 's not a account open.