davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We have been trying to modify our loan for a year. My husband is on the house and they refused me twice and said I am not allowed to use his incom. This is a lie according to my lawyer. Soo my husband almost lost his XXXX twice. We have been working with a lawyer and then the pandemic happened and now they must think its over because my lawyer said it will be frozen until we do the modification. I made the mistake telling wells fargoo my house was worth Moore. It is worth way less so now they are kicking us out according to my credit report that as of XX/XX/2020 Im in foreclosure. They never returned my call they dont know what there doing. All they want to do is get us out. We felll behind medical loss. We make well over XXXX figures and we do infact qualify for something. But they lied and told me my husband doesnt count and now they just want my house and I havent even finished what the lawyer wanted me and my husband to do. They forclose ashy way. I have also been working with hud and XXXX and others. This is scaring me. I dont know if I need to get a rental and move us out here. They are awful and very very deceiving. Please help.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I've requested a reasonable settlement offer to compensate for damages due to accounts opened by Wells Fargo reps which I did not need or want, no reasonable offer made to date. Damages include lost interest on monies unable to deposit due to information reported by Wells Fargo to consumer reporting agencies, information has prevented me from opening deposit accounts for several years now. Wells Fargo has mailed me numerous mediation request forms, six filled out to date, no reasonable offer made to compensate for damages. A mediation session was made with Wells Fargo rep, XXXX XXXX, an offer of {$300.00} presented, then increased to {$500.00}, which again does not cover damages. The mediation session appears to only cover damages by accounts themselves, not damages stemming from them. Further, prior remedy offers made including {$3700.00} by XXXX XXXX and the last offer amount of {$500.00} do not cover damages including lost interest during time period from last Wells Fargo account closed to date.. Failing to make a reasonable settlement offer, I request Wells Fargo to STOP sending mediation request forms, if not, they will be refused. Also, I request a mailing address to file a lawsuit against Wells Fargo.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (PA)

On XX/XX/2020 I made a order from XXXX for a XXXX laptop for {$1100.00}. 
It was supposed to arrive on the XX/XX/XXXX But I never received it I made a report with XXXX they said they would send me replacement but the replacement never came. I then proceeded to contact they and was to told to contact my bank because they couldnt help me. Then I contacted my bank which is my payroll Im not very bank savvy so I just use my payroll card ( XX/XX/XXXX Money network ) they kept closing my claim saying I didnt have Sufficient evidence so I mail them a paper they had me fill out. And then receive a letter saying that my claim has been denied so Ive lost my {$1100.00}.
Consumer complaint received 2020-08-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BOK FINANCIAL CORP (OK)

I need to get removed from XXXX. I got reported to XXXX for overdrafts because I had checks returned but it was not my fault. I got reported for stuff that happened that was not due to account abuse. I was scammed and had bad checks in my accounts.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I sent certified mail to the following Credit Bureau XXXX, Experian and XXXX. I sent a letter requesting that they investigate three negative items on my account and requested that they be deleted because the information was not correct and I did not owe the companies who added this to my credit report. 
The accounts that was falsely reported : * XXXX XXXX XXXX with a balance of XXXX open XX/XX/18. ( false reporting ) XXXX XXXX XXXX of AZ the amount XXXX *XXXX XXXXXXXX XXXX XXXX . 

I have made several attempts to contact these companies to no avail so I reached out to the credit bureaus for final assistance in removing these items. 

It has been well past the 40 days and I have not received any updates concerning my request or letters sent in to validate, investigate and remove the accounts. 

No response from either of the credit bureaus is in direct violation of the fair credit reporting association. 
please help me in resolving this issue. I am asking them to remove the items since I have received nothing validating these accounts that are falsely reporting on my account. 

I am attaching proof of my certified numbers attached to the mail I paid for and sent to the credit bureaus
Consumer complaint received 2020-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (CO)

AXX/XX/XXXX I was billed for a XXXX XXXX Account that I never opened. XXXX had told me that they will close the account and send it to internal fraud. But, they sent it to collections. I later spoke with XXXX and Convergent ( debt collector ) several times. Convergent said they will close it. But I recently, XX/XX/XXXX, received two letters saying will settle for a reduced amount. This debt needs to be closed and removed from my credit report.
Consumer complaint received 2022-09-20
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. (GA)

Equifax Information Services, LLC. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct Equifax Credit Bureaus, XXXX, XXXX, and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you have any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. 

If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Thank you!
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MA)

First let me say I am VERY worried that this is going to happen to other customers. Uber has recently cancelled this credit card all together for new applicants and has changed a huge array of benefits and % 's related to it. They are clearly changing their customer service to be able to better avoid accountability for fraud and this is extremely concerning. 

1. I got an email saying that about {$300.00} in credits ( formerly cash back ) from my rewards points earned was applied to my Uber Account. 
2. At the same time, there were 2 unknown charges on Uber that were not me 3. I cancelled the card as I realized that someone was committing fraud. 
4. I asked Barclays for help. They put in a support ticket. 
5. I followed up to ask for an update - they told me that I should contact Uber instead of them. I asked why they put in a support ticket if they can't solve it and they apologized and said they can't help me. 
6. The number they gave me to call Uber had a voice message that said that their phone number is shut down and to email XXXX 7. I e-mailed XXXX and got a response that the email is shut down 8. I looked all across the web for more and more numbers for Uber. All had the same message or were not active. 
9. I finally was able to get in contact with Uber, where we went back and forth on e-mail as they ignored my messages and responded with non-sense that was not helpful. 
10. Finally, they got back to me and told me that the uber credits were redeemed n another Uber account that shares my payment method, gave me the first name of the account ( a random person I do not know ), and recommended that I work directly with this random person to resolve my issue ... ... .. I laughed out loud at the absurdity. They want me to deal with this fraud on my own? 
11. I told them that this is unacceptable and that I needed a better answer or I would report them to the CFPB. 
12. They cancelled the request so my email did not get through. I do not even remember how I finally got in contact with them since it was so hard, so I am now reporting this it to CFPB I have since tried to go back to Barclays for a 5th? 6th? time.. no results. Thanks for your help.
Consumer complaint received 2020-08-23
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: Experian Information Solutions Inc. (FL)

I have experienced identity fraud in the past and have made countless attempts to prove that things weren't acquired by myself and thought those things were corrected. However as I reviewed by credit report I see that the very things I thought I did away with found its way to my credit history which I believed to be impossible. I recently inquired about a car and was denied and hired an attorney to educate and consult with me about this matter and to know that my identity has yet been used time and time again to get whatever these frauds wanted at their own disposal was just mind boggling. I don't understand how or why creditors does not have an identity verification process to prevent such fraudulent activities! I need these items removed, simply because I did not consent for any of these false items nor did I inquire about them!
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Hello, I applied for an HSBC credit card and received an email on XX/XX/2019 to call XXXX to verify my identity. When I called, they asked me for my cell phone for a text message verification code, I gave them the code, and was told I'd be receiving an email with a link to upload proof of my identity and a utility bill for residency. However, I did not get an email with the link. I then called them back and was told they were declining my application. Just 5 minutes prior, I was told they needed two documents. I was also told, the second time, that I would need to reapply. When I asked if they would pull my credit report again, the representative said no, but I don't know why they wouldn't run it a second time since it would be a new application. I was told that after they received proof of my identity that I would receive the credit card I applied for. However, on the second phone call, they told me they were declining my application and refused to let me send over proof of my identity and residency.
Consumer complaint received 2020-10-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (OH)

I keep receiving phone calls from United Collection Bureau ( XXXX ). I have repeatedly told them that the number they were calling was a work number and they are not to call it. I contacted them once again today, XX/XX/2020, and explained that I do not owe this debt or any other debt. I said that they need to stop contacting me. When I refused to provide my date of birth and current address, the gentleman refused to do anything. This is some alleged debt that I do not owe. They are constantly calling and sending mail to family 's houses, where I do not live.
Consumer complaint received 2020-10-23
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: CITIBANK, N.A. (FL)

I have been a Victim of ID Theft and multiple Inquiries are reporting on my XXXX credit report from CitiCard, Exxon CitiCard, THD CBNA, and Best Buy CBNA. I have enclosed a letter with the dates of each occasion. I have contacted XXXX  explaining the situation and they have referred me to CitiCard to have the fraudulent inquiries removed. I contacted CBNA and they are not helping me to resolve this issue. The multiple fraudulent inquiries are hurting my credit score.
Consumer complaint received 2020-11-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was left a message on my phone numerous times about a capital one dept they said I owed for over 5 years. I have never had a capital one card and I never will. There is no way that I owe them one cent. When I called and asked why they kept leaving rude messages that I owed XXXX dollars and that I would be sued for it if I didn't respond. The woman hung up on me. I called back and she said I will see you in court and that I could explain to the judge. The phone number is XXXX XXXX XXXX. I never got anything in the mail about any bill and when I asked to be sent one with what they said I owed and the amount and the credited she said they have already sent that and that " I'll see you in court ''. I asked what address they they had that was supposed to be mine and she again said I'll see you in court.
Consumer complaint received 2020-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have a credit card called " Care Credit '' from Synchrony Bank. ending in XXXX. I was affected by COVID-19 badly and called the credit card company to see what relief I can get. My card balance was on a zero interest rates due to promotions. I had six purchases on my card total. The 1st 0 % promotion was to expire XX/XX/XXXX This balance was {$710.00}. 
On XX/XX/XXXX I called company and spoke with representative XXXX. Very professional and caring. She did 3 things for my account because I was affected by covid 19. ( 1 ) She waived my monthly balance, ( 2 )  she stated if I pay my overdue promotion amount {$710.00} by next month they will remove the finance charge of {$440.00}. ( 3 ) she also stated 3 of my zero % purchases will expire soon on XX/XX/XXXX, XXXX so she will extend its due date out to XX/XX/XXXX. Number 1 and 2 above was done successfully. The problem is number ( 3 ). My balance on my card should be {$5200.00}. When I checked the card i was charged {$760.00} interest for the 3 promotions that was due in XXXX but XXXX extended out to XXXX and then I was Charged finance charges for that amount of {$71.00}. I called company and spoke to representative XXXX on XX/XX/XXXX who stated give them 3 days to review the telephone call. I called a week later and spoke with supervisor XXXX XXXX who stated no it takes 3o days to review phone conversations not 3. I called back and spoke with supervisor XXXX, then representative name XXXX and all read the notes and see that the recordings revealed XXXX stating the promotion will be extended to XX/XX/XXXX. My question remains so if this promotion was extended why am I being charged the {$760.00} in interest and then finance charges for XXXX of {$71.00} ( which will inncur interest every month ) and my mininmum balance due amount is being increased and higher. THIS IS FRAUD. 
I owe {$5200.00} they added on {$760.00} + {$71.00} now my balance is {$6100.00}. On XX/XX/XXXX I spoke with manager XXXX in the collection unit he just transferred me to a rep. name XXXX who stated she understood what I was s aying and could not understand either why I was being charged upfront for finace fees on interest that is prematurely being added to account before the due date of my promotion. I believe they are taking advantage of consumers during this pandemic. They keep transferring me and not assisting me when I call. I waited over one hour and the phone just disconnected i never heard from the credit card company.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (MD)

Dear PNC bank and Cfpb this bank refuses to close my account, and they are starting to tell lies now. 
I have never seen PNC at this way before I am so shocked, and a lady called me yesterday on the phone and said she would send me the {$12.00} the bank took this money with out my knowledge from my social security deposit money that was coming in. Please have them close my account today.
Consumer complaint received 2020-08-23
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. (RI)

I have been disputing this collection on my credit report for months now. It was removed from transunion and XXXX but has not yet been removed from my Equifax report. This is catastrophic to my credit as it shows a much lower score than my other credit scores because of this collection. It also could be considered a form of defamation as it is looked upon negatively when I apply to places that pull that report. This is unbelievable and you can look at my previous complaints regarding the matter. XXXX XXXX has been sent all necessary information to dispute this situation and they are impossible to get someone on the phone with to discuss the matter. They just keep transferring and transferring and asking for more information when they are the ones that should accurately be keeping information. I will not pay {$90.00} that is not mine to pay. This is ridiculous and I'm getting fed up. Please investigate this company and the collections companies they are using. Anyone else they are probably out there paying for things that aren't even theirs.
Consumer complaint received 2021-09-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

Alright call me, XXXX XXXX XXXX I couldn't put the school down because the school doesn't exist. 

I need my money back. 
I have all my paperwork and I was on the lawsuit but never heard anything yet. 

The School was a scam and Navient harrassed me and my co-signer when we were suppose to release from the loan. School was shut down before I could finish it and I filled out the paper work from day one to get out and they denied it which they can't deny it. 

I need my money back now! 

PLEASE CONTACT ME XXXX XXXX
Consumer complaint received 2020-08-23
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This letter is a follow up to my original complaint dated XX/XX/2020 regarding inaccurate information on my credit report. Specifically as it relates to credit inquires that I did not authorize, made by the following companies : 1. XXXX XXXX XX/XX/2020 2. XXXX XXXX  XX/XX/2020 I did not authorize anyone employed by these companies to make and inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 ( c ) and serious breach of my privacy rights. 

On XX/XX/2020 I was informed that Transunion was going to respond within 60 days from the date your company sent over that complaint. 

Its has been more than 60 Days and I still have not received any documents or contact from transunion regarding there investigation results. 

The incorrect information is still reporting on my credit report and needs to be removed.
Consumer complaint received 2020-11-17
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (AZ)

I have paid this debt off for a lesser amount. They are refusing to provide a delete letter to the credit bureaus. They stated they were advised by the CFPB not to do this. I have this conversation recorded stating this!! Now, they are refusing to speak to me or the credit bureaus to fix my credit!
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible.