davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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: WELLS FARGO & COMPANY (GA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Consumer complaint received 2021-11-01
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)

On XX/XX/XXXX, I was charged {$250.00} for an excursion ( scheduled for XX/XX/XXXX ). The excursion was not delivered as agreed ( large group vs promised private tour, places to visit different than what agreed, drinks not included as promised ). The merchant did not offer any compensation or refund. I called Chase Disputes on XX/XX/XXXX, and the agent refused to even open the dispute investigation stating my motivation does not qualify for a dispute. However, the FTC Consumer page states how " charges for goods and services that weren't delivered as agreed '' is a valid reasons for opening disputes.
Consumer complaint received 2020-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Since the covid19 credit acceptance has been wrongly reporting false things in my account. Im effected by the covid19 and theyre suppose to submit that to the credit bureaus but theyre not. Theyre putting delinquencies on my credit report which makes it look like its my fault the world has corona virus. Inaccurate remarks on my credit report lowered my score by 120 points. Theyre were order by the government not to report any foul or delinquencies to the credit bureaus and they still are. Theyre doing it to all if there customers to force a payment when the world is shutdown. I already discussed this with the three credit bureaus and won. Some higher entity needs to check credit acceptance as company. Many Americans are out of work and have no ways to get nothing. We didnt create corona virus. This is fraud and illegal and legal actions need to be taken rapidly.
Consumer complaint received 2021-11-01
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: AES/PHEAA (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus 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 are the accounts that are reporting on my Credit Reports : FED LOAN SERVICING Balance {$6600.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$6500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$7100.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3900.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$630.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3700.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1300.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$5000.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$3500.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$1200.00} Reported : XXXX XXXX, 2021 ; FED LOAN SERVICING Balance {$4400.00} Reported : XXXX XXXX, 2021
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

I am an American citizen and Wells Fargo customer. I travelled to XXXX in XX/XX/2020 to apply for XXXX residency. I informed Wells Fargo three times - once via phone and twice in person at the branch that I was traveling and would be making an important wire transfer in XXXX to a XXXX XXXX account in my name. Of course, Wells Fargo blocked the transaction ( which was for less than 1 % of my available balance across my accounts ). When I called and verified my identity and correctly answered all their security questions, I was told the last step was to go to a branch and show photo ID. That was impossible since I was in XXXX and Wells Fargo has no branches there. My passport was confiscated by the XXXX government during the residency application process. The only way to get it back was to pay the residency application fees ( via the wire transfer that Wells Fargo was preventing ). Not only did Wells Fargo refuse to authorize the wire transfer, it cut me off from ALL of my online banking. Wells Fargo left me stranded in XXXX with no access to my money and no passport despite me having notified them three times about my need to make this transfer and answering all security questions correctly. Wells Fargo even very insultingly suggested that a traveler should have more than one form of payment with them for safety, such as a credit card. Thats obviously ridiculous because without the ability to make payments on a credit card from your bank account, ones credit would only last for a short time- perhaps a few months before being cut off. I was in a position where I couldnt get my passport back without access to my banking. I believe I was discriminated against and illegally denied access to my property. Wells Fargos response to my complaints has been pure fabrication - that I failed to properly identify myself and failed to verify the wire transfer. I believe that their policies and procedures make it impossible for an American customer to regain access to their accounts from outside the U.S.
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I had a SYNC/TJX COS Credit Card I was never late or delinquent on any payments. I had a XXXX balance on this card and the Creditor closed the account due to inactivity or because it wasn't used as frequently. The creditor closed the account without my knowledge or permission thus affecting my Credit negatively
Consumer complaint received 2021-11-01
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. (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect 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 inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I have previously complained about XXXX XXXX XXXX and their client XXXX XXXX. Fortunately, XXXX XXXX XXXX  have removed from other bureaus except Experian. 

XXXXXXXX XXXX finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX ( XXXX ) vacated the premises on XX/XX/XXXX. Although they claim it was an eviction, it was an agreed upon move-out due to my notary public sign being a violation. I have the e-mail screenshot ( SEE ATTACHMENT ) of XXXX XXXX, the accountant for XXXX XXXX advising, " ... You have until this weekend [ XX/XX/XXXX, XX/XX/XXXX ] to vacate the premises. If you're not vacated, we will begin the EVICTION process on Monday [ XX/XX/XXXX ] ... '' Since I was moved out on XX/XX/XXXX PRIOR to the the weekend XX/XX/XXXX & XXXX, XXXX, there should not be ANY " EVICTION '' done and applied to my credit. 

I spoke to XXXX at XXXX XXXXXXXX XXXX and he did inform me my file was in archives and should arrive by Thursday of last week XX/XX/XXXX. 

XXXX also advised that Experian had not sent them any requests or communications since XX/XX/XXXX, which is really alarming to hear that Experian was NOT doing their part in protecting the consumer and attending to my concerns. 

Furthermore, it is saying last balance updated on XX/XX/XXXX which is absolutely reporting incorrectly because this balance of {$5800.00} has been the same over these last 5 years.
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was tryimg to close my account due to a low credit limit I was offer back in XXXX 2020 and capitol one refused to close my account because I have a open dispute with a merchant and the chargeback is in place but I wanted to cancel the dispute and have the charge rebilled back into my account I was told that I have to wait 90 days for a response which is stupid and I just want this account closed due to low credit limit and too many declines. and my credit score is good standings. close my dispute with Walmart XXXX ...
Consumer complaint received 2021-10-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

My mortgage servicer Mr cooperXXXX isn't recognizing my account as paid in full. 

On/around XXXX I paid my full mortgage payment. As of XXXX I contacted Mr cooperXXXX as my online account showed a significant balance and I was receiving automated voice mails I was promised by XXXX at the Texas location via online chat there was an error on Mr cooperXXXX and the issue would be resolved within 3 business days.

The statement I am attaching clearly shows my balance was paid in full and I believe this company is trying to " pull a fast one on me '' and potentially others.
Consumer complaint received 2021-11-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (OH)

I have attempted to login multiple times on the site, only for the page to reload the login with no error of invalid data. I've called customer service on 3 occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for no one to ever answer. A prompt comes on after 15 minutes and states a representative will call back to the number calling from, but no one ever calls. I've tried to stop payment through my bank, but they've stated the lender can only stop the reoccurring payments.
Consumer complaint received 2021-03-30
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)

XXXX, XXXX, and Equifax are not responding to any letters I sent in for Debt Validation. I have multiple incorrect errors on my credit report that they are not reporting correctly. 

ACCLAIM CREDIT TECHNOLOGY OPENED XXXX XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATIONS DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX NOT VALIDATED, WILL NOT RESPOND WITH VALIDATION DEBT IS NOT MINE XXXX XXXX XXXX OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE XXXX XXXX XXXX  OPENED XX/XX/XXXX WILL NOT RESPOND WITH VALIDATION DEBT AND ACCOUNT WAS NOT MINE
Consumer complaint received 2022-06-10
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. (CO)

in accordance with Fair credit reporting act XXXX XXXX XXXX has XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (MD)

On or about XXXX of XXXX I became aware, by them calling me and my family members, that Convergent was saying that I owed them " {$1500.00} '' and I had 10 days to pay or they would forever ruin my credit. As of this date I had never received anything from them in writing and my credit was, is, PERFECT with credit scores averaging in the high 700 's ( which is extremely good ) I immediately sent them a certified letter disputing the debt which they signed for in XXXX of XXXX which was my right and I asked for proof of the debt and for them to stop harassing me and my family members. I was, and am, battling XXXX at the time and the last thing I needed where these tactics when I didn't owe them, or XXXX ( who they said they bought the debt from ), anything. 
In spite of my requests they never responded. 
Over the next 2 years I repeated these request for seven times and they never responded and they put it on my credit file which was wrong in many ways. 
In late XXXX I contacted my US Senator 's Office and they reviewed my paperwork and said " this is wrong ''. 
In XXXX of XXXX I sent them yet another certified letter, the same as previously, and this time they responded by sending me 2 pages. One was an amount, not a bill - not in compliance with the Fair Debt Collection Practices Act. for {$150.00} and the other was a duplicate bill of the {$150.00} but now they crossed it out and put in {$250.00}. 
In XXXX of XXXX I received a letter from my US Senators Office directing me to ( a ) sign the papers enclosed so that they would advocate on my behalf for privacy matters and ( b ) file a formal complaint with you all. 
From XXXX of XXXX through the writing of this complaint, is XX/XX/XXXX, I have had to dedicate my time to my health. 
It is WRONG what they have done to me and a simple " internet search '' shows thousands of others have gone through what I have. 
They never proved the debt. They never proved I owe {$1500.00}. The only thing they sent was a bill for {$150.00}. This is a matter of principle and I do not want to leave this earth with this hanging over my head. 
PLEASE HELP ME and have them remove this from my credit files and issue an apology to me and be kept from ever harassing me again. 
Thank you XXXX XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (TX)

True Accord reached out by email to pay a debt from XXXX. I paid this in full XX/XX/2020 but til today, this debt has not been report back to XXXX as paid in full ( {$110.00} XXXX. 
I reach XXXX and was told no reports/updates. 
This is the 2nd request XXXX is reaching out to provide paid off. 
I emailed them today requesting update or will file consumer report. 
But after consideration, this is not acceptable as it is not 3  months aging but over 6+ months of NOT reporting this back.
Consumer complaint received 2021-03-30
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. (NY)

I recently sent a letter of verification to XXXX, Equifax and XXXX. I sent that letter about 35 days ago and have yet to hear anything back from them. I ask that they supply me with information on how this account was verified and why was it showing up on my credit report. I don't feel as I am liable for the debt that is being reported on my credit report.
Consumer complaint received 2020-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

DATE ASSIGNED XX/XX/2019 AMOUNT {$3900.00} I CALLED TO THE COMPANY ASKING TO REMOVE THIS INCORRECT INFORMATION AND I EXPLAIN THEM THAT THIS NOT MINE, I WAS A VICTIM OF THRFT AND I HAVE A POLICE REPORT. 

CONVERGENT OUTSOURCING, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX CREDITOR NAME : XXXX XXXX XXXX
Consumer complaint received 2020-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Fraudulent Charges Bank of America After some consideration, I request that my ATM Debit charges are removed from the following bank and checking accounts. 
Amount - {$250.00} Please do not send a replacement card. 

XXXX Please remove the said account and closed the debt that is in question as the debit was reported stolen and lost. 

Amount - {$100.00} Please do not send a replacement card. 

XXXX Bank Please note that the accounts in question are closed and noted to be overdrawn. Please remove the account from the credit check. 

Amount - {$110.00}, - {$180.00} Please do not send a replacement card.
Consumer complaint received 2021-03-31
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. (TX)

To whom this may concern, About a month ago, I received a notification from XXXX XXXX how my scored had changed in the Equifax report. I noticed a collection was added of almost {$200.00}. I looked up the company and have never heard of them. I quickly pulled an Equifax credit report and the collection charge was still there. I reached out to Equifax customer service and a great representative gave me some clarity and also agreed that it may be a mistake. XXXX XXXX ( the Equifax representative ) told me to give him a call in a few days for an update as he began an investigation. Few days later, I call and receive a different representative. They have a lot more trouble pulling up my account. I gave them my full name, DOB, SSN, etc. Nothing was working. After a good 15 minutes of being on the phone, they tell me they a supervisor and places me on hold. I then get disconnected. I want to think they did not hang up on me, but I expected a call back since they did know my phone number. I was never reached. Today ( XX/XX/30 ), I call again. First of all, the representative does not say they are Equifax customer support, so I am already skeptical that I even called the right phone number. The person then says they represent Equifax. This rep is also having issues pulling up my information. Roughly around 15 minutes, they put me on a hold and I get disconnected. This is the second time this has happened so they must be hanging up on people when they are struggling to help a person. Of course I did not receive a call back. I called again shortly after and I ask for XXXX XXXX immediately since he has been extremely helpful since the start. I get transferred and although he also struggled to find me ( he said he had to look me up through the collector ), he never hung up on me. 

So I have two issues at hand here : 1 - Equifax is showing a collections debt from another person. The charge is for the same name but that person has a different date of birth and different address. XXXX XXXX states that an SSN is not even present. XXXX  does not show any of this. 
2 - Equifax customer representatives are hanging up on people. 

Please get in contact with me as I need an update on this.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from XXXX  account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from XXXX and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach XXXX XXXX or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.