davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I was trying to load gas into my vehicle, so I inserted my Wells Fargo Propel Card and it kept declining. I log into online banking and discover the phrase " account is closed, please call xxxx '' for both my Propel card and Visa Signature card. I was flabbergasted and confused as to what had happened. I had to leave the gas station I was trying to load gas at with less than 10 miles in my tank ... I call Wells Fargo and they just give me the run around with no real help. Not to mention they removed the 57,000+ points I had Go Far Rewards account that I EARNED..Wells Fargo has proven time and time again that they are scumbags who deceive and undercut customers.. Both my credit cards have ALWAYS been paid IN FULL. XXXX I even paid too much by accident once ... and this is how my kindness and professionalism is repaid?! It is good to know that Wells Fargo doesn't appreciate customers that pay in full and would rather egg on the customer who is having trouble to pay his bills in full, so they can charge them an exorbitant amount of interest ...
Consumer complaint received 2021-10-10
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: GOLDMAN SACHS BANK USA (CA)

I made a purchase at XXXX for 2 bikes on XX/XX/2020. I used my Apple Credit Card. I never received the merchandise and have disputed the charge 6 times over the last 6 months with Goldman Sachs ( who issues the Apple Credit Card I used to make the purchase ). I go into an endless loop when trying to resolve it with them : - I dispute the transaction. I never received the merchandise from this merchant. 
- Apple Card agent files a report and credits the transaction fee temporarily - A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase- I call to get the information provided expecting a tracking number or some other form that evidence that the merchandise was shipped and received ( which I know doesnt exist as I never received the merchandise ). 
- The agent always replies with- well it doesnt really show that we received anything from the merchant - I will refile your dispute. 
- A few weeks later I get the letter forwarded below that says The merchant provided sufficient evidence that you made the purchase I ordered this merchandise on XX/XX/2020. So as you can see I have been dealing with this for over a YEAR! I have filed no less than 5-6 disputes. I have requested information about the evidence the merchant provided over 5-6 times. I never get anything. I have tried to contact the merchant multiple times through phone calls and letters over the last year. I never get a response- so I know that agent/ team isnt getting one either. Yet the letter keeps saying The merchant provided sufficient evidence that you made the purchase. This just isnt true and is a fraudulent claim. I made the purchase - I told them that- not the merchant. I never received the merchandise and I believe the merchant went out of business during the year of COVID. I gave the merchant ample time to deliver before filing the dispute as I assumed Covid was delaying shipments. However, the merchandise never arrived and now I have found other merchandise to take its place. I cancelled the order for non-receipt about 6 months ago.
Consumer complaint received 2021-10-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (MN)

THIS COMPLAINT IS BEING RESTATED HERE A SECOND TIME HOPING IT WILL BE PROPERLY UNDERSTOOD. 

1. Intentional con-predatory monthly billings 2. unauthorized modification of loan balances and monthly payments as opposed to agreed amortization payment schedule 3. Unauthorized modification, substitution and addition of items on the agreed mortgage loan documents agreement.

4. False claims of Default payments, unauthorized charges and fees 5. Threats of foreclosure, unauthorized surveillance and intrusion, trespass 6. Failure to apply received monthly payments checks, hoarding of payment checks and conversion 7. continuing endangerment of mine and family 's lives and causation of emotional distress and et cetera Neither XXXX XXXX XXXX responded to my complaint. How the money claimed owed {$11.00}, XXXX must be explained in a language an average consumer will understand compared to the loan agreement Amortization schedule. Nothing less than the amortization schedule agreed and signed is a valid method of 'debt collection ' here. The claimed Escrow account must be unveiled as to items encompassed therein where the homeowner pays [ everything ] and conceded by XXXX in a written acknowledgement. 

XXXX denounces XXXX XXXX XXXX as the attorney in fact. It must produce ( a ) documents signed by the loan borrower mortgaging the property in question ( b ) It must produce documents consented to and signed by XXXX XXXX XXXX ( property owner ) mortgaging the said property ( c ) it must provide documentation verifying its claim the property is insured by FHA/HUD where both entities have sent written verification of non-insurance of the property and et cetera. 

Yes, publish these so the public will make sense out of your claimed closure of the complaint on the basis of responses recieved.
Consumer complaint received 2020-05-14
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. (MS)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}
Consumer complaint received 2022-03-19
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services (TN)

I have never been late on this account and it is showing two late payments for XXXX and XXXX of 2020. This is affecting my ability to get a mortgage for my family. I have spoken to EdFinancial and was assured that this matter would have been resolved. To date it has not been. Therefore, I have engaged the assistance of the CFPB to assist me in this matter.
Consumer complaint received 2022-03-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (FL)

I tried to purchase an XXXX monitor for XXXX on a small ecommerce website called XXXX. The site is down right now, it was live and running when I made the purchase on XX/XX/21. 
Please see the files attached for the evidence. 

Also attached images of the weight difference of the same product on XXXX and the scam website XXXX. As you can see in the images I attached, the weight of the monitor in the ups tracking number that the scam website XXXX sent is only XXXX lbs, the real weight of the same monitor on XXXX is XXXX pounds/lbs. I also attached an image of a text message that XXXX sent me. 

I never received this monitor even though I was sent a false tracking number. A few weeks later the website goes offline when it was previously online. I also found several negative reviews of the site on trustpilot.com from several customers that bought something and never had it delivered to them. I also called ups with the tracking number they gave me and they confirmed that the tracking number was not for my address that I put as the shipping address. 

I contacted the bank I used to make this purchase, ally bank, to report fraud and request a chargeback. Ally bank took longer then other banks take to issue a chargeback. They got back to me with a letter saying this charge was authorized and correct and to fill out an additional form if I wanted them to investigate this charge further. I filled out the form completely with all details and evidence that makes it clear and obvious that the merchant was fraudulent. I had to wait almost 3 months for ally to respond to this by a letter in the mail for their final determination on this charge. Their final letter said that they think it is still authorized and correct and they tried to contact the merchant and of course never received a response from them. They still closed this dispute regardless without issuing a chargeback to return my money and said to contact the merchant directly which I already tried to several times and never received a response because the merchant is an obvious scam that many other people that have left reviews have confirmed they have gotten scammed the same way. What can we do to recover the money?
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX {$60.00} XXXX XXXX XXXX  XXXX {$14000.00} XXXX  XXXX {$660.00} XXXX XXXX XXXX XXXX {$990.00} XXXX XXXX XXXX {$500.00}
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have wrote all 3 major credit reporting agencies ( XXXX, transunion, XXXX  ) and informed them of fraudulent information on my file. I submitted a police report, an ftc theft affidavit along with my identification and proof of residence. 
The items that were fraudulent are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am a female and I was informed that a male was posing as me at an address not mine. Im not sure how they were able to convince these companies that my name was a male name. 

These items remain after I disputed them with the documents needed to block and remove them per the fcra XXXX provision.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (OH)

I was part of the class of XXXX Members whose old XXXX XXXX credit cards were moved to Barclays without our approval- it just happened and the new card showed up one day and the old one no longer worked ( as of XX/XX/21 ). I had several questions and gave up trying to reach customer service after 2 waiting periods of over an hour each. I finally got through and was told that the many emails I am getting about non-posted charges are probably phishing, and was told to forward them to XXXX. I have sent them over 20 such emails and am still getting 5-10 each day. They have not responded to any of my forwarded emails and now their phone system says they are updating their systems and I should " call back another time. '' I want to know if I can block the sender ( XXXX ) and ignore them or if this is a big problem which will cost me thousands of dollars. They simply won't respond. 

Additionally, the XXXX due date was the XXXX of each month and the Barclays due date is the XXXX. I set up autopay 3 days prior to the XXXX, but since the last bill was not paid until the XXXX I got a late payment fee on the XXXX of XXXX Their system is still showing a due date of the XXXX even though their stated due date is the XXXX! I have no way to resolve this for the coming month and fear another late payment fee. 

I can not call them or email them- they will not take a call or respond to email. Thank you for your help.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (GA)

Experian and XXXX  are displaying a serious delinquency of 60 days or greater in violation of the of the FCRA. 

Backstory : I was entitled to the post 9/11 GI Bill and the school, VA Education Office, and VA DMC reported a BAH ( basic allowance for housing ) overpayment of XXXX which they sent to collections in XXXX of XXXX during their internal retroactive audit. I graduated in XXXX. According to the VA, the school I attended allegedly adjusted a course I was enrolled in which led to the BAH overpayment. They VA are fixing their internal process issues as they have antiquated notification systems. I had paid it immediately when XXXX via XXXX XXXX notified me of the account with no will for evasion. 

On topic, this was an overpayment and not a loan, so it is erroneously being reporting as a collection because I never agreed to borrow that money. An overpayment doesn't constitute money borrowed and legitimately can't be reported as collections for debt. 

I am handling the details of the VA 's failure with the state via constituent reporting to the offices of the Senator -- but it will take time. I contacted Experian and XXXX  multiple times and they have not corrected disputes via their online system given the details that this was an overpayment nor have they responded proactively. XXXX  shows my normally " very good '' score so I do not have any issues with them. 

I feel this is a direct violation of the fair credit reporting act as it is a false identifier of my credit and is causing me financial burden. Thank you.
Consumer complaint received 2023-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
XXXX XXXX XXXX  is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ) 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. *Purchase Agreement* Evidence that you are a licensed debt collector *Chain of Title* Proof that you are a license debt collector to collect in my state. *A requested copy of your State Department of Commerce and Insurance Certificate . THIS IS A REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C. $ XXXX. This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines PERMANENTLY DELETED from my consumer report.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CA)

My student loan service provider is Navient. Navient took over for XXXX XXXX XXXX. I paid on my student loans for years. I graduated in XXXX from grad school. All of my payments that were made since graduation is not in my payment history, in particular any payments made between XXXX - XXXX. 

A fair resolution is proof that I have been paying on my student loans since my graduation in XXXX. I was wrongfully denied the IBR program under XXXX XXXX XXXX. I want my accurate history, that I have been in the IBR program since at least XXXX, which is 18 years.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

Today, I checked my credit score and it has decreased. It indicates that I have student charges. I assume that my college may have charged me for the summer practicum that I removed myself from prior to the deadline. I've contacted my practicum instructor and let her know of my decision to withdraw prior to the withdraw deadline as well. She reminded me to drop the practicum class using the college website. I clicked on the register and drop section on the college website to double-check and I was not listed for any practicum activities. I notified my instructor that I didn't see the practicum on my list.
Consumer complaint received 2023-01-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc (MD)

I received a letter from XXXX, XXXX a debt collector, dated XX/XX/XXXX stating that XXXX XXXX XXXX XXXX XXXX was the debtor and the debt description was Paypal for {$290.00}. Per conversation with XXXX they said that the last payment that was received was in XXXX which was a red flag to me and didn't sound correct. I immediately asked for a debt validation letter regarding this matter and today XX/XX/XXXX, I received a letter from XXXX XXXX stating that they are unable to resolve the request because they need additional information ie. ssn, acct number, copy of credit report. If you sent me to collection then you should have all this information. Sounds like a scam.
Consumer complaint received 2022-04-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX Acct has never been late. It was an accounting issue with XXXX XXXX XXXX.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MN)

I had fraud on my account from " XXXX '' that charged me for several thousands of dollars, so I called chime customer support to report it and file a dispute. However after the dispute was filed I went and found out that only XXXX transactions were placed on the dispute. So again I called customer support and told them that these other transactions needed to be added to my original dispute, they said they could not do that but they would just open a separate dispute and it wouldn't be an issue. Well I didn't see the email at the time but now that I got a final decision on my original claim I see that they almost immediately denied the XXXX claim, I mean they denied it so fast they couldn't have possible done anything. So my original claim was approved and I received the funds for that, however the XXXX claim which held the vast majority of the fraudulent transactions was denied. Clearly this must all be a big mistake, if my first claim was approved then clearly the XXXX should have almost been approved. This is getting highly irritating and I dont want to have to invest money into a lawyer or spend time mass mailing local investigative news crews.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate