davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo Bank Wells Fargo picks and chooses when they are going to charge overdraft fees and when they are going to pay a bill or not. I will go to sleep and my account it positive and there is enough to cover pending charges. Then all of sudden days later the date of the charged is changed and I have been charged an overdraft fee. They have recently even had notices within the app that says your balance amount may not be accurate. In this unprecedented time I don't feel like Wells Fargo wants to see it's customers succeed. I have a second chance checking account and because of some hardships I am limited in who I can bank with. I feel like Wells Fargo takes advantage of the underprivileged. When I spoke to Wells Fargo representative they lacked empathy and professionalism and did little in the means of acknowledging my concerns. The spokesperson I spoke with name was XXXX. You would have thought I was taking money out of her pocket by the way she addressed me.
Consumer complaint received 2020-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX charged my card {$290.00} instead of {$190.00} agreed price with discount. This is fraud. Also Chase closed my account 2 weeks ago and immediately locked me out if inlune access and refuses to send statements.
Consumer complaint received 2020-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

Usbank is refusing to tell me the currency exchange rate payed to usbank by the Visa corporation. The Visa corporation does all the processing for Visa debit cards issued by US Bank. The Visa corporation applies a 1 % processing fee for foreign currency u.s. Bank applies a 2 % processing fee for a total international processing fee of 3 % on foreign currency and 2 % for USD. The problem is that usbank is giving customers less on the on the exchange than they are receiving from the Visa corporation for the foreign currency exchange on all international purchases. I want usbank to provide me with the details of the ATM and debit card purchases between the dates of XX/XX/XXXX and XX/XX/XXXX. I want usbank to describe the amount paid to them by the Visa corporation and the amount that was inturn given to me by usbank for the transactions. Usbank was receiving more than they were awarding to me for the transactions that means that usbank was keeping money from my foreign transactions which means US Bank was embezzling funds from my account which means if they were embezzling funds from my account they are embezzling funds from other accounts. I want usbank to provide me with all the transaction information of my foreign transactions between the dates of XX/XX/XXXX through XX/XX/XXXX. I also want usbank to explain to me why they felt like they could keep money that did not belong to usbank. I am also requesting that usbank return all the funds to me until usbank can explain the processing errors and the exchange rates provided by the Visa corporation then provided to me and my transactions between the dates of XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX Loan XXXX Incorrect late payments being reported Per FTC and CFB I am writing to request the below information being reported on my credit report to reflect on time from XXXX to XXXX A PMAP application was submitted and the back did not respond in rime. For 8 months after being unemployed for over a year I went back to work and made monthly payments for 8 months. I was never contacted By phone or email during that period of time and then after eight months a litter of foreclosure was sent. The bank has since removed the foreclosure notice but the information stating the loan was grossly past due must be resolved immediately. It is harming my chances of fair credit approval and causing debt.. 
The following need to be removed : 120 days past due as of XXXX XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Please investigate this matter with XXXX XXXX  XXXX Pa XXXX and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. 
Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ).
Consumer complaint received 2018-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Briefly. In XXXX my incomplete loan modification was sold to Nationstar from XXXX. Additionally XXXX stop paying 1/2 the property taxes in XXXX. In XX/XX/XXXX my local tax collector arrived at my door with 24,000+ bill in hand. To Nationstars credit after 3 days of hysterical calls, they mailed out a check. Nationstar was reimbursed a portion by XXXX, of which they have no record. 
The payment did trigger a negative escrow starting at 11,000+, which I would have to repay. What I didnt get was any notice of an immediate doubled payment. From 1500+ to 2900+, that is asking a lot with no notice. After a year and try to achieve a realistic payment, they finally got down to a payment in XXXX to XXXX five year repayment. This number was to include interest, principle, escrow impounds for taxes and insurance, along with repayment. Thru XXXX and XXXXimpounds were paid and the negative escrow was down to XXXX. My tax collector contacted me in XX/XX/XXXX to inform me the last two payments had been missed. After multiple arguments and lies about payment with them they paid. Then added it to my escrow charging me additional fees, starting. XX/XX/XXXX for which they had already been paid. Initially I paid the additional fee begrudgingly late while I researched it. I printed out all pertinent docs prior to making my point. They sent all docs they were working off of, nothing they had provided, proved their reasoning. In fact comparing the same two documents, had different numbers. At that point I stopped paying the additional fees and sent in the proper payment. The only person in all my calls to them who actually took a hard look at what I was telling them and needed to show her manager was fired. There escalation team nothing no returned calls. The SPOC person XXXX. They have one payment on hold because it short. The payments made that were returned have been put in a separate account. Addition fees will not be paid and we are working toward fraud charges against the company. This was a simple fix but now with the cooked numbers it has escalated. Ive had two trips to the hospital since its inception, the XXXX  is a killer. At this point Im not sure if its complete deception or absolute incompetence. Additional proof can be faxed if required.
Consumer complaint received 2020-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (AL)

Carter-Young INC ( the debt collection agency in Georgia ) has been inaccurately reporting to my credit report for years. Since XXXX, Ive been disputing this apartment complex as not my debt. Theyve completely ignored me and proceeded to harass me so much for collecting me, that I had to block them. In XXXX, during the pandemic, I became literally XXXX. I had know choice but to do a pay to delete. The apartment complex accepted my pay to delete in a 3-way call with Carter-Young and the debt was supposed to be ERASED from my credit report. 20 days later, I get an alerts saying I paid down my debt and that the account is still opened. Luckily i have emails, documents, and other proofs proving that the account was supposed to be deleted. Thank God that I got a pay to delete letter on the same day as the call through email. Im tired of them haunting me. Why break me down when Im already broken??? People are DYING!
Consumer complaint received 2020-08-16
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: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX purchased tickets to XXXX on XXXX XXXX. mid XXXX i try to reschedule or cancel with airlines told the flights will go. Dr suggest I do not travel to XXXX due to my age and XXXX. I contact airlines they refuse to help i am not able to understand options due to languaage barriers with some agents. I call chase they suggest dipute. I dispute and recieve a check in full late may..I am paperless, and due not check my statements until billing. I did not recieve notice on a reinstatement of these charges that WENT ON ACCOUNT XX/XX/XXXX. NOR DID I RECIEVE A STATEMENT FOR XXXX UNTIL XX/XX/XXXX, WHEN I SAW CHARGES CHASE SAID TOO LATE TO RE OPEN DISPUTE.??? I contacted XXXX  who cancelled my flight XX/XX/XXXX and refused to reissue a ticket and or my money. I have made 8 attempts via emails and calls to XXXX and chase all have refused me.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NM)

About 4-5 months ago, when I checked my accounts, my bank account showed timely mortgage payment transaction ( usually near the due date ), but my mortgage account with Mr Cooper did not post the transaction. I talked with representatives of both my XXXX XXXX  and Mr Cooper separately. Mr Cooper employee acknowledged that the check was received, but not cashed and posted in my account. He mentioned that I have no fault since they received the check and it is their internal issue. He did not send me any proof to verify his statement even after I requested. However, I continued my payment on time. I did not check my statement every month as I knew there was no issue. Recently, I checked Mr. Cooper account and was surprised that I am due $ XXXX instead of {$2300.00}. I started looking older statements. The XXXX statement assessed a fee of {$49.00} and XXXX statement assessed a fee of {$92.00}. Cooper increased my due amount to {$4700.00} without any reason since XXXX XXXX Cooper did not post my XX/XX/2021 payment ( refer to bank 's bill pay PDF ) on XXXX statement. There is no reason why it assessed {$49.00} in XXXX and {$92.00} in XXXX. I called them 3 times in the last 2-3 weeks. Customer services are useless. They can only speak " contact your bank, you did not pay your last payment ''. This seems to be their memorized sentences. I wanted to send them proof of bank transactions, they do not understand those. They even could not access my current and previous statements. it seems they could not see my XXXX fee of {$49.00} in their transaction list. 

what I find is that Mr. Cooper is providing false statement and increased my due without addressing their own problem of loosing check or skipping transaction history. I have attached my bank 's bill pay history. They do not have anyone who can communicate with client to verify transactions. 

Mr. Cooper 's accounting manipulation shall be stopped. I want Mr Cooper to fix my account as soon as possible and revise all past and current statements by removing fees. If Cooper misplaced a check or did not cashed that shall not be my fault as their representative mentioned. Mr Cooper should be able to find my older conversation with their representatives which took place 4-6 months ago. 

Last year, I had to fire this mortgage company for refinancing another house because Mr. Cooper could not close my refinance even after 6 months. The worst mortgage company in the USA.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (PA)

I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX  US DEPT. OF EDUCATION/XXXX
Consumer complaint received 2020-08-16
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. (GA)

I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXXXXXX XXXX account late, I have never paid the XXXX   account late. Equifax has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.
Consumer complaint received 2020-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax dropped my entire credit card history ( >25 years ) from my credit report early XX/XX/2020, resulting in a significantly reduced credit score ( Other agencies did not have this issue, my credit score with those agencies remained consistently at the excellent credit score level ). As a result of this error one of my credit card was canceled, because Equifax notified the credit card company. To date Equifax has not provided an explanation about what happened, they did however finally restore my credit history. Given we have been impacted by the Equifax data breach I continue to be very concerned about the cybersecurity and data integrity of Equifax. I am not sure what options I have to compel Equifax to provide an explanation. I would encourage you to provide greater oversight of Equifax, as they dont appear to have learned from the data breach. Thank you.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MI)

XXXX  has been non-compliant with removing the unverified account XXXX/XXXX  Opened Date XX/XX/2000 which has been deleted by XXXX  and XXXX . XXXX and XXXX  have both completed their research and determined that XXXX/XXXX  was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2021-08-03
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. (IL)

I am victim of identity theft and fraud. I have notified alleged creditors on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that the items on my credit report does not belong to me, and they have not validated any debts from alleged creditors with competent evidence of a valid contract according to the FCRA section 609 and best evidence rule that requires primary evidence meaning original version and other consumer laws i.e. title 15 U.S. Codes section 1681 and 1692. I have not in any way received goods, credits, money, loans, services, or any transactions. The alleged creditors have not provided proof of claim and my social security number has been used unauthorized, and without consent and written or verbal permission. I have not authorized any of these creditors listed to have access to my credit report, and/or score. My social security number information was breach and alleged creditors have used my social security number and are in violation of the privacy act of 1974 etc. unless they can prove a written contract exist.
Consumer complaint received 2020-08-16
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. (GA)

I have advised Equifax on several occasions that the information being reported on my credit file is incorrect, possibly in error and/or a result of identity theft. The following address ( es ) do not belong to me XXXX   XXXX XXXX XXXX XXXX XXXX XXXX. I have never paid the XXXX ( XXXX ) account late. The XXXX XXXXXXXX ( XXXX ) account does not belong to me, the XXXX ( XXXX ) account does not belong to me, the XXXX (   XXXX ) account does not belong to me. These items are a result in an error and/or identity theft and should be removed from my credit file. Please help me get this matter resolved.
Consumer complaint received 2022-04-25
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: Santander Consumer USA Holdings Inc. (MN)

I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - Santander  Consumer USA XX/XX/21 - XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XXXX XXXX  I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
Consumer complaint received 2018-07-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OR)

XXXX I went to XXXX XXXX XXXX OR, then later to find out is was all a scam. I've had little to no luck, finding information to on who to contact to have my loans looked at. The news keeps reporting information with no contacts to call or email. I filed a forgiveness letter through student aid, but no response. It's been a real nightmare with XXXX plus in debt and no relief. Please someone help guide me, I know there are millions of other people in my situation.