davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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: PNC Bank N.A. (SC)

I received a letter dated XX/XX/XXXX From PNC Bank, stating my loan was paid off in full, and that " the state agency will either forward a lien free paper title to the address listed above or to the address the state has on record '' it has been 3 months, and I haven't received my paper title. I called today XX/XX/XXXX around XXXX XXXX. They stated that they already released the loan lien and I can go get my own paper copy from my DMV. Um, no. The letter states you are authorizing the DMV to send me a paper copy, which by law I am entitled to. The bank refused to send me my title when I called.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (ID)

This was paid as confirmed by XXXX XXXX XXXX!!!! ( See Attachment )!!! Yet XXXX is showing a balance due ... No due diligence by XXXX nor Equifax who has been notified by both me and XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (LA)

I frequently email, call and respond to them trying to get an income based repayment plan but they have been no help to me at all. They put me in forebearance for 2 months and attached it to my credit report. Not to mention i left that college 2 months after enrollment and cancelled out my loan but they said they could n't help me being the school signed off as me being there. I never saw any pell grants on top of that.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (MA)

A letter dated XX/XX/XXXX from CREDIT CONTROL , LLC., stating that I owe them a debt for {$14000.00}. The Original Creditor waXXXX XXXX XXXXXXXX XXXX, XXXX, who previously charged off the alleged debt. I have no contract with CREDIT CONTROL., LLC XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between CREDIT CONTROL , LLC. and XXXX  XXXX XXXX, XXXX, about me is in direct violation of my privacy per the Privacy Act of XXXX
Consumer complaint received 2016-11-09
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

They called me at XXXX XXXX while i am laying in the hospital. He transferred me to make a payment and I was on terminal hold. Since the woke me I figured I would make the stupid payment and when I called to try and actually do it I got hung up on by XXXX different representatives. They have been hatrassing me but calling at XXXX XXXX takes it to a completely different level.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: WELLS FARGO & COMPANY (WA)

I am listed as an authorized user on my husband 's credit card account. I did not give my consent to be an authorized user for Wells Fargo and XXXX XXXX. I discovered that my personal information was used when it appeared on XXXX XXXX. I want these credit cards removed off of my credit report. also, I want the hard copies inquiry removed from my history.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

I was XXXX with my job. Found the company called XXXX XXXX and they advertised themselves as a month to month rentals, but found out they are a fraud. On their contract which you have to pay first before you can access the contract and see what youre signing. It said I had to be there for 3 months. I had to pay {$1400.00} to move in and every month their rent kept going up, I moved in, in XX/XX/2022 and in XXXX I told them Im moving out, and they told me I had to pay them up to 6 months. I was upset, but in XX/XX/XXXX they tried to take money out of my account without my permission. I called the bank and my credit card company to block them and I already turned off my debit card, but Wells Fargo allowed them to have access into my account without my permission and they stole {$1800.00}. I called Wells Fargo how was that possible because I never gave those people my bank details except my bank card which was turned off. Still they took my money. The bank returned the money but later took it back again leaving my account with XXXX and I called tried to dispute the charges but Wells Fargo blocked my number and they said they believed this fraudulent people, and they sided with them. I am frustrated and I need help. I want my money back from Wells Fargo
Consumer complaint received 2022-11-23
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)

In reference to complaint # XXXX Your company claims the accounts for XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX  were verified. These accounts remain inaccurate after my first dispute. 15 USC 1666 clearly states an alleged creditor may not mark any late payments on an extension of credit. Furthermore I have never been late on these accounts. Please provide your method of verification or delete any late payments on these accounts immediately.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (VA)

XX/XX/XXXX I received a ltr of denial for a credit limit increase on a Synchrony pay pal acct that I knew nothing about. That acct was opened in XX/XX/XXXX and I never got any info on it. Who ever opened acct was making payments on it that whole year. Now Synchrony Bank/paypal trying to stick me with the bill # XXXX with balance now of {$4400.00}. When I contact Bk -XXXX  XXXX-they said they would do fraud investigation. I have put fraud alerts on all 3 Credit bureau 's and filed report with FTC. They have done 3 Fraud investigations but still saying it's mine. File police report XX/XX/XXXX with XXXX Co. Sheriff 's dept. Det, XXXX XXXX case # XXXX. He feels they have mixed my acct with another XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX. He was to call them. Hadn't heard anything else until today I got another monthly billing statement..
Consumer complaint received 2020-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

To Whom It May Concern : My wife has a loan serviced by Navient. It is past due and they sent a generic email, on XX/XX/2020, offering to put the loan in to deferment/forbearance. They requested a simple reply of " yes '' to make this happen. I replied to this email requesting information about loan forgiveness options available to her as she has been a XXXX in a XXXX XXXX XXXX XXXX in the State of Texas for more than 10 years. My understanding is that some or all of her loan balance should be eligible for forgiveness. 

I received the following response on XX/XX/2020 : " Thanks for replying! Unfortunately, we're unable to discuss specific account information via email. We're able to assist you via phone, just call XXXX. '' I responded to this requesting correspondence via email or certified mail only. I want a paper trail to keep a record of correspondence as I have been lied to about payments and options available to her in the past. 

They responded to this request with : " Thanks for replying. Unfortunately, we're unable to process a forbearance until you specifically reply " yes '' to this email. '' They can't discuss payment options and programs that my wife may be eligible for via email or certified mail, but they can put her  loan into forbearance with a simple reply of " yes '' to an email? 

I attached a copy of the email correspondence. Please note that I have permission to represent my wife with Navient and any written or verbal statement by her can be provided to support this.
Consumer complaint received 2015-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (TX)

XXXX XXXX is charging on an account I do n't have, I 've never had XXXX XXXX before. Apparently this service is in XXXX, Texas, I 'm already in collections for something I do n't have and never had. I called XXXX XXXX and they do n't have my last four numbers of my Social Security.
Consumer complaint received 2022-11-23
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: EQUIFAX, INC. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-11-23
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. (WI)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2016-07-12
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00} Here is how it went down. 

XXXX XXXX, XXXX - {$140.00} XXXX XXXX, XXXX - {$170.00} XXXX XXXX, XXXX - {$230.00} XXXX XXXX, XXXX - {$200.00} XXXX XXXX, XXXX - {$150.00} XXXX XXXX, XXXX - $ {$13000.00} XXXX XXXX, XXXX - {$110.00} XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX - {$2500.00} - insufficient funds fee credit {$150.00} credit {$130.00} credit {$110.00}
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

For years me and my parents have been battling with XXXX XXXX. Sine I graduated college XX/XX/2010 its been a downhill mess. From coming out of college into a mess of a economy ( took me years to get a job in my field and make decent money ) to crippling credit scores that damages my future to own a house, car, starting a family, etc. When I graduated I could not afford the payments for all of my loans every month. Multiple phones calls to help and barely ever got answers or just taken advantage of because I did n't understand. Help was forbearance, which ended in still not being able to afford payment when over, and a whole bunch on interest added to my loan that I already could n't afford. XXXX loans went into default and passed around to collection agency 's before they garnished my fathers wages. Now those loans are in " charge off '' but Navient still reports every month to credit bureaus that they are past due and late payments. Then on another loan its nearly double the amount that was originally borrowed and interest rate sky rocketed. My monthly payment on that loan only pays interest.
Consumer complaint received 2022-11-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (MS)

We were sold a XXXX  XXXX XXXX from XXXX XXXX that had a factory defect in which it was easily stolen. The loan is in my name and my son, XXXX XXXX. My son is a veteran. This is a poor way to treat a veteran. On XXXX XXXX the car was stolen and totaled. We still have the loan to pay for. No insurance will pay for it. We were rushed through the paperwork because it was closing time at the dealership and was not given the time or opportunity to read the paperwork. We purchased GAP insurance and roadside assistance. The wheels were stolen XXXX month and no one would pay for this so we spent {$2500.00} out of pocket for tow and rental and new wheels and tires with wheel locks. Now we are stuck with a car note we have been paying since it was stolen in XXXX because 3 insurance companies refuse to pay including the gap. The gap insurance that we bought refused to pay because the XXXX value of the car is more than the remaining balance of {$16000.00}. So we are either stuck with paying for a car the XXXX boys gang stole and wrecked or we can ruin our credit. I have every piece of paper involved in this but I dont know what you need. Feel free to contact me to provide the information you need. Can you help any?
Consumer complaint received 2023-03-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

Problems started in XXXX of XXXX when Mr. Cooper bought the rights to service my mortgage from XXXX  XXXX XXXX. My mortgage was just getting ready to come out of pandemic forbearance. XXXX  XXXX XXXX sent me loan modification to fill out and return to XXXX  XXXX XXXX before XXXX of XXXX. All paperwork was returned to XXXX  XXXX XXXX signed and dated before XXXX XXXX. XXXX  XXXX XXXX sent the paperwork to Mr. Cooper. XXXX was received by Mr Cooper XX/XX/XXXX, according to a call center employee at Mr. Cooper. Mr. Cooper failed to process my paperwork. In XX/XX/XXXX Mr. Cooper sent me a letter saying they would not offer me a loan modification, Mr. Cooper stated I had not filled out and returned the required paperwork, Mr. Cooper never sent me any loan modification paperwork, all loan modification paperwork was sent by my previous loan servicer, XXXX  XXXX XXXX which was forwarded to Mr. Cooper who admitted receiving said paperwork. Mr. Cooper had also sent a representative to snoop around on my property, which makes it appear Mr. Cooper was going to illegally try to foreclose on my property. I contacted the MHDC, Missouri Housing and Development Commission to apply for a grant from the SAFHR program to pay off my forbearance, SAFHR approved my grant and sent the funds to pay off my forbearance to Mr. Cooper. Mr. Cooper has received the grant money in XXXX of XXXX, but did not use it to pay my forbearance, they put that money into " unapplied funds, Mr Cooper phone employees have been kind and tried to be helpful, but nothing ever changes or gets accomplished. Mr Cooper phone employees have " escalated '' my account multiple times over the past year and a half but nothing has changed, and Mr Cooper has never contacted me by mail or email to get this matter resolved. It has caused me many sleepless nights worrying about my property and home. This illogical mess also caused my to miss out on refinancing when rates were at XXXX percent. In XX/XX/XXXX Mr. Cooper sent a false statement to my homeowners insurance stating my home was unoccupied, I have resided on this property and in my home for 20 years now. Hopefully Mr. Cooper won't fail to pay the homeowners insurance from the escrow like they are contracted to do. 
Sorry for the long read. 
XXXX XXXX ps hope you have better luck with Mr. Cooper than I have.
Consumer complaint received 2020-03-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ingo Money, Inc. (CT)

A transaction made on XXXX in the amount of {$740.00} shows as pending despite canceled minutes after it was made on XXXX. According to the terms, transactions can be canceled within 24 hour period, there appears to be a technical issue on the end of Ingo Money, the company transaction was made from. I verified transaction canceled with another rep, she confirmed it. Ingo Money should verify this and fix any technical issue so my account does not become inactive. I elected to take check to XXXX  XXXX XXXX, the bank it is drawn from, cash it in person due to an emergency. In the event the check is returned on end of Ingo Money, the transaction was canceled and should show as such.
Consumer complaint received 2022-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (MA)

A letter dated XX/XX/XXXX from XXXX  of Ohio, stating that I owe them an alleged debt for {$3800.00}. The Original Creditor was PNC Bank, who previously charged off the alleged debt. I have no contract XXXX of Ohio. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. Under my name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between XXXX of Ohio and PNC Bank, about me is in direct violation of my privacy per the Privacy Act of XXXX
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XX/XX/XXXX- prior to filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX  - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc. (FL)

Please help me. I have been trying to resolve a fraudulent transaction on my XXXX  account by ADP. 

My payroll check is deposited on the XXXX  card. The day of payroll my account had a transaction of {$700.00} fraudulently. 

Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX  to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with XXXX. 

I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. 

I don't believe XXXX has the problem properly documented or failed to do a proper investigation. 

The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX  card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. 

I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. 

I d prefer that XXXXy card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. 

Thank you XXXX XXXX
Consumer complaint received 2020-03-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

In XXXX I had a loan modification with wellsfargo I went to court in city hall they put the 2 years I was behind on the back of my mortgage in XXXX I was 3 months behind on my mortgage again i made all my trail payments for 3 month so wellsfargo went back to my loan modification from XXXX and told them I was XXXX back on my mortgage after I had already settled my XXXX issue I was only behind 3 months so fha.paid the money and put XXXX lean on my property and I discuss this back and forth for 2 years then they switch my mortgage to XXXX XXXX XXXX XXXX wellsfargo has me in over XXXX In debt and after they paid XXXX XXXX they still didn't remove the balance