davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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: WELLS FARGO & COMPANY (CO)

A charge in the amount of XXXX from XXXX XXXX XXXX his my credit card on XX/XX/XXXX. I saw it on my statement on XX/XX/XXXX and contacted Wells Fargo immediately. I tried to call the number they provided for the vendor and it was a recording to contact your contractor directly and hung up. I called Wells Fargo on XX/XX/XXXX and filed a fraud report for the charge. They then said the charge was a famous Rock climbing place and was in line with how I go skiing with my kids and would not refund it and I would be liable for the charge. They then charged me back in XX/XX/XXXX. They gave me no other information, receipt or ways to contact this XXXX XXXX XXXX. I did not charge this or receive any services or even know who they are. I have tried to dispute again with Wells Fargo and they refuse. I have filed a complaint with the XXXX and gotten no where. This is a lot of money for me as I am a single Mom with XXXX children. Please help. Thank you.
Consumer complaint received 2022-08-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NJ)

Fay Servicing did not provide me a covid foreberance or any alternative options to foreclosure. They falsified documents in order to foreclose and engaged in dual tracking. They implemented forced place insurance and refused to provide XXXX documentation and/or statement of payments. They billed us for services that never occurred such as winterizing that never occurred and appraisals. They filed a motion for us to be evicted despite me being XXXX and relay on electricity. I collect social security XXXX, am a XXXX and have received no offer of assistance from Fay despite meeting all of their document requirements. Can you please contact them.
Consumer complaint received 2022-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A. (NJ)

I was scheduled for XXXX XX/XX/XXXX XXXX XXXX knew I would not beable to get to Bank for my payments coming up so I spoke with Assistant Branch Mgr while in Bank on XX/XX/XXXX th XXXX paid for XXXX XXXX we had called The Main Branch of PNC Bank XXXX they agreed I could make payment early Now to my Dismay XXXX Bill has Arrived XXXX they charged me a Late Fee Plus they increased my Mininum payment Due. I have never ever had a problem at my other Bank Paying anything early They have said that they waived the late fee But in the next breath if I were to pay it today it would be fine XXXX wont reduce the new minimum fee which is normally {$45.00} now its XXXX Now XXXX is scheduled for XX/XX/XXXX th XXXX I am going to encounter the same Dilemma then they said that I should use bill pay. They can not tell me what I should use to pay my bills. I have never been so disgusted with a financial institution such as PNC Bank and can not wait to be done using them
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (IL)

Discover returned several small checks to my church claiming there were not funds available but there were my direct deposit went in my account early that morning!! I work for the XXXX XXXX XXXX XXXXXXXX and have always had direct deposit and the XXXX XXXX is always in my account by XXXX! XXXX XXXX  supervisor I requested to speak with said she did not know what time it came in which is a lie! I used to be a banker and they do know especially a direct deposit! She and the girl prior had me in hold numerous times for nearly an hour and never resolved anything! If funds are in the account the same day as my deposit the checks should not have been returned!! When they do this I then get charged with numerous NSF charges from the business!!! I want them all paid! They are just trying to avoid a bank error as it looks bad on them!!
Consumer complaint received 2022-10-17
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. (AZ)

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this accounts from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX XXXX Balance Owed : {$350.00}
Consumer complaint received 2022-04-21
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello - I really need your help on this. I mailed letters to XXXX, XXXX  and TransUnion on XX/XX/2021, specifically about inaccurate and unverifiable items on reporting on my credit report. I understand Covid 19 has delayed many, while short staffing others, but it has been well over 45 days and I have not received a response validating the inaccurate and unverifiable items. I was told the burden of proof is on the data furnisher so please help me get the proof to their claims. Not that familiar with the law, but I did see section 611 in the fcra, it says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 45 days these accounts MUST be deleted immediately, especially without merit or validation. I demand these accounts be deleted immediately or undated accordingly. If not, I will explore all legal options, I not limited to litigation due to the XXXX XXXX this is causing me and my family. 

I would like the items I disputed in my letters to be handled by the instructions of the accounts and be removed from my credit report immediately. Thanks for your assistance and take care duiring Covid 19!
Consumer complaint received 2022-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC (FL)

This complaint is regarding a collection/charge off reported on my XXXX XXXX credit report XXXX acct # XXXX for XXXX XXXX XXXX it is a collection/charge off for {$1200.00}. Who is a company they are trying to collect a debt for, however this information is inaccurate, and this debt does not belong to me. I have tried to reach out to the company several times for an explanation/investigation but have been unsuccessful, and i would like the collection completely removed off of my credit report.
Consumer complaint received 2022-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

XXXX credit card customer service conversation about this new card on XX/XX/XXXX revealed that late payment reporting was in error. 
XXXX has since corrected the issue on my account statement by crediting the previously recorded late payments and have reported to me, XXXX XXXX that they have also reported to the 3 credit bureaus this error for correction. Please note that this issue caused my credit score to decrease up to XXXX points in one month on XXXX and should reflect the correction by XXXX XX/XX/XXXX and an increase in score all around. 

XXXX XXXX card {$700.00} credit limit Card # : XXXX On XX/XX/XXXX {$59.00} annual fee due on XX/XX/XXXX Not informed Late fee XX/XX/XXXX XXXX still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
Late fee XX/XX/XXXX XXXX still showing past due 30 days on all credit reports, equifa, experian and XXXX as of today XX/XX/XXXX. 
{$3.00} monthly statement fee errorbut still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
{$90.00} is past due as of today error but still showing past due 30 days on all credit reports, equifa, XXXX  and XXXX as of today XX/XX/XXXX. 
I never received a statement they never connected the cards online as I requested and by error, reported to XXXX, equifax and XXXX a 30 day late payment XXXX the Customer Service Supervisor ( XXXX ) XXXX Is the supervisor Spoke to on XX/XX/XXXX XXXX agreed to remove all fees and charge only {$59.00} for annual fee and stated that she has sent a request to correct and delete the 30 day late reporting t to all three ( 3 ) credit bureaus that the payment was never late due to the fact they were sending bills to an address I did not provide to them in error, hence, i never got them as this was a new credit card offer in the first place.
Consumer complaint received 2021-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2021 i was notifiy by a recipient that i was sending the recipient {$1000.00}. I didnt authorize this transaction and the recipient said she didnt receive the {$1000.00}. I told wells fargo claim department About this and they said the money went to a XXXX XXXX account under the recipients name. The claim was declined by wells fargo because they said the transaction was made using my username and password, also the recipient is someone whom i sent to and received money from.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (CA)

HIGH 22 % interest rate Unable to effectively dispute transactions with Apple Pay since they only see it as a money transfer service when its a part of the XXXX XXXX XXXX restricted when I have available balance Always declining transactions Customer Service isnt too helpful Benefits not as useful as advertised
Consumer complaint received 2022-08-24
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. (MA)

Equifax has continued to report incorrect information for several years to the point where Im going to proceed with legal action. there is a closed XXXXXXXX XXXX XXXX account # : XXXX opened on XX/XX/XXXX in the amount of {$7300.00} and paid off on XX/XX/XXXX. it shows as having a 60 late payment on in XX/XX/XXXX. I have disputed this item several times over the past few years and it has been removed and it keeps popping back up on my report. I am sick of Equifax 's ineptitude and they need to fix the reporting of this vehicle loan immediately to paid as agreed with no late payments. I have an official letter from XXXX stating that there was never any late payments on this account. FIX THE PROBLEM EQUIFAX!
Consumer complaint received 2022-04-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (VA)

This loan was originally held by XXXX XXXX and sold to Firstmark on XX/XX/XXXX. I have since attempted on multiple occasions to create an online profile on their website in order to access my account and make payments. When attempting to register in their online system, I have received multiple errors stating my information is not recognized and to call their phone number. 

When the account was first sold to Firstmark, I was not enrolled in school, and several payments were withdrawn from my account, per the original payment agreement. Payments were made for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I have been enrolled in school as of XX/XX/XXXX. 

On two separate occasions I have called and received different instructions on how to resolve the issue. 
Phonecall # 1 : Can not recall date - Representative instructed me to enter all information in capital characters. This did not work. 
Phonecall # 2 : Mid-XXXX  XXXX - Representative informed me that my information did not match what was on the promissory note, and that I would need to send a letter with my account information and a scan of my drivers license to verify my identity. 

I provided this information in a letter dated XX/XX/XXXX. This letter was confirmed to be received by Firstmark on XX/XX/XXXX. In this letter I requested my information be corrected and I be provided a confirmation of such correction. I also requested a copy of my promissory note. As of filing this complaint, Firstmark has not responded to this letter and has not provided the documents requested.
Consumer complaint received 2022-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Hello After speaking with a representative from my loan servicing department to recertify for the Income Driven Repayment Plan process I decided to poke around in my online account with Federal Student Aid. On my dashboard to the left I decided to just look at who my loan servicers were and come to find out it shows that loans were disbursed by four different colleges when I have only attended two in the past. Those two colleges are XXXX XXXX and XXXX XXXX XXXX. The other two colleges that I never attended that equals to the four are XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

On the other hand the four loan servicing companies that are on my dashboard are American Education Services ( AES ), XXXX, Dept of EdXXXX and XXXX XXXX XXXX XXXX XXXX XXXX ). The only two servicing companies I have been in contact with is American Education Services and XXXX. However I haven't really been receiving any emails or updates from XXXX as well either. So literally the only loan servicing company I have been in contact with is American Education Services. 

I immediately called American Education Services back to find out how I can deal with this scary situation because I have been through identity theft before when it comes to my filing my taxes. With that situation on my taxes I had to go through an investigation before I can even receive my tax return refund which was overbearing and stressful as a single parent. 

I contacted the financial aid department for XXXX XXXX to verify if any loans were disbursed and if so to please send all the information required on any loan disbursements. I spoke with XXXX XXXX in the Financial Aid office at XXXX XXXX and was advised that everything was cancelled on XX/XX/2005 and no loans were disbursed. I also contacted the financial aid office for the XXXX XXXX XXXX XXXX but for some reason its hard to get in contact with them and your on hold for a very long time. 

For my online account with Federal Student Loan it shows that I have three different types of loans. 

1. ( 2 ) Consolidation Loans : {$25000.00} ( Income Base Driven Repayment Plan Completed On same submission date for this dispute XXXX ) 2. ( 8 ) Subsidized Loans : {$9200.00} - ( this is the only total amount showing on my credit with XXXX XXXX ) 3. ( 2 ) Unsubsidized Loans : {$0.00} 4. Total Balance : {$34000.00}
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021
Consumer complaint received 2022-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OH)

My servicer ( Navient ) made false promises and gave me bad advise as to how to handle my loans, servicer agents steered me towards deferments and forbearance 's that lasted for years driving up the interest and fees on my student loans to a very unmanageable amount, when I was finally given an IRP they signed me up for a 2 year contract and X amount per month but after only a few months they raised the monthly payment way above what I could afford. I filed a complaint with the Ohio attorney generals office in early 2017 ( complaint # XXXX ). The practices of NAVIENT are very deceitful and misleading putting me into a financial situation I will never be rid of in my lifetime causing me to incur a lower credit rating and making retirement an impossibility this late in life. Navient 's illegal business practices has literally caused my to have tens of thousands of dollars in interest and late fees added to my original loan!
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: HW Holding, Inc (SC)

I noticed this debt on my credit report. I informed the company they are reporting inaccurate information such as my name. They responded with a copy of a signed lease. The name on the lease does not match the name they are reporting on my credit report. I reached out for debt validation on XX/XX/2019. I also reached out the XXXX and advised that there is an incorrect name on my credit report. I was told by XXXX   that Hunter Warfield would have to correct because it was linked to an account. I never received a summary of the charges and where this amount accumulated from. I also requested a copy of the application to be sent to me with the name matching that is being reported on my credit report. Being that they are reporting inaccurate information such as my name, and have failed to provide proof of the debt, other than a lease, i am asking to have this removed from my credit report.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CATHAY BANK (NY)

I submitted the Mortgage application to Cathay Bank on XX/XX/2020. They asked me to submit all the documents and wait for a month. After pulling my credit from two bureaus ( XXXX, XXXX ), I only agreed to pull credit from one bureau, they did not notify me. Later on, they refused to provide me with a Pre-Approval letter, they refused my application to modify the house price and asked me to pay the Credit Report fee, I did not pay, and finally waited for 2 months and they unreasonably refused my Mortgage application. 
This is the worst Mortgage service I have experienced.
Consumer complaint received 2022-08-03
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-17
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. (NC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

Company is reporting a lawful payment as a charge off.. this is a billing error. 
Company has not forwarded the title to the property. 
Company reporting account was closed/charge off, bad debt.. 
Company is not properly applying lawful payments.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (NV)

I became a victim of identity theft XXXX  of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.