davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-12
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. (NY)

Re : Identity Theft Notification 1.Identity Theft. 
XXXX  Account XXXX To Whom It May Concern, I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

I am a victim of identity theft and have sent a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity ( in XXXX and XXXX ) and in addition, XXXXXXXX XXXX  mailed me an identity theft form which I filled out and mail back to them, plus proof of my current address. 

I also sent a copy of the identity theft report to along with my statement to XXXX 's all the credit reporting agencies- XXXX XXXX XXXX have deleted this account from my report but Equifax  has continued to ignore my request and this fraudulent is still reporting on my Equifax  report. 

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Kind regards, XXXX XXXX
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (CA)

Received pre-qual for mortgage loan. Mortgage lender used Equifax & XXXX for credit. The next day I received > 25 unsolicited phone calls from other lenders wanting to know what sort of loan i was looking for.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2022, I noticed four fraudulent transactions on my Wells Fargo checking account totalling {$9500.00} in total : * {$1000.00} on XX/XX/2022 * {$2000.00} on XX/XX/2022 * {$2500.00} on XX/XX/2022 * {$4000.00} on XX/XX/2022 They appeared on my online statement as " WITHDRAWAL MADE IN A BRANCH/STORE ''. I immediately reported the transactions to Wells Fargo and froze my account. The bank started their own investigation. ( Claim # XXXX ) On XX/XX/2022, a Wells Fargo case specialist contacted me to let me know she'd be handling the investigation. She shared images of the withdrawal slips the thief had used to withdraw the cash. The signatures on the slips are not my signature. 

On XX/XX/2022, I filed a police report with the XXXX XXXX Police Department at the XXXX XXXX XXXX. ( complaint report # XXXX ) The same day, I noticed an additional fraudulent transaction on my account on XX/XX/2022 for {$160.00}, which I immediately reported to both Wells Fargo and the police. 

Because I have not lost any ID, credit card, debit card, checkbook, etc., I assumed the bank would return the money to my account. However, on XX/XX/2022 they responded by letter that they would not refund any of the money because I had not reported the initial fraudulent transaction ( from XX/XX/2022 ) within 30 days of receiving my statement. 

On XX/XX/2022, I contacted the police to see if their investigation had any updates. They said they had subpoenaed Wells Fargo for the security camera footage, but Wells Fargo had not responded to them yet. 

The same day ( XX/XX/2022 ), I called Wells Fargo to appeal their decision, since : * They had given no explanation of how the money was taken out of my account. 
* I reported the fraud 6 days after the most recent occurrence. 
The claims specialist called me the next day to tell me that the fraudulent transactions were made using a license and debit card as proof of ID. I haven't lost any of these, so presumably the thief was able to withdraw money simply by presenting a fake ID. She offered to escalate my appeal. A couple days later ( XX/XX/2022 ) I received an email denying my claim with the same reasoning as before : " As per your Deposit account agreement we can not reimburse you for unauthorized transactions if we are not notified within 30 days after we have made your account statement available to you ''
Consumer complaint received 2022-09-12
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC. (AK)

During the Covid-19 pandemic my mortgage was put on forbearance. Once the forbearance was about to end I contacted Guaranteed Rate, my mortgage company at the time, to find out what my options are because XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they informed me that I can talk to their Loss Mitigation department. They transferred me to them and the person had me fill out a Loss Mitigation for a Loan Modification. On XX/XX/XXXX I submitted the application with all the documents and a letter that they had asked for. They wanted me to send all my banking statement, XXXX XXXX XXXX XXXX my 401k statement, and I also included a VA Loss Mitigation application that I had filled out and submitted a year before on XX/XX/XXXX and never heard back from. On Monday XX/XX/XXXX I called the Loss Mitigation department to verify that Guaranteed Rate received my application and all the documents that they asked for and they said they did and they will get it processed. They informed me that it would it would take 2 to 4 weeks to process. I called back 3 weeks later and they informed me that it still had not been processed due to high volume of applications they said to check back in 2 weeks. I would check back every 2 to 3 weeks to see if it has been processed and they kept telling me it has not yet. I then asked if I could talk to a manager and the person told me that they will send a message to their manager and they will contact you and I never heard from their manager. My application was never processed and the amount of debt I owed kept building. It started out at around {$12000.00} and is now at {$79000.00} and Guaranteed Rate sold my mortgage loan to a new company name XXXX. I have now applied for a Loan Modification with XXXX so we shall see what happens. But, I'm not happy with Guaranteed Rate because I kept calling them to find out if my application was processed while they kept charging me late fees.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I was recently reported late on my XXXX account. I made a very small purchase and later exhanged/returned items. It was my understanding explained to me from the cashier that I did not owe a balance. Therefore, this small balance slipped through the cracks and ultimately caused me to be late. This is an honest mistake and I kindly ask XXXX to reverse the late payments as a sign of good faith and goodwill. My credit is suffering from this honest mistake and I am unable to get reasonable financing terms for day to day living expenses. Please help with removing the lates associated with this account.
Consumer complaint received 2022-09-13
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. (CA)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. 

The following accounts need to be removed as they are fraudulent. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2021-05-25
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)

I have written several disputes to the credit bureaus and each time it comes back as verified accurate. 
All 3 bureaus are reporting a different Date Last Active. 

XXXX reports XXXX XXXX reports XXXX Equifax reports XXXX This is in Violation, needs to be removed asap
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AVANTE (MN)

XXXX, XXXX credit bureaus are selling my name, address and other confidential information to creditors and allowing them to validate and report false information to my credit reports over and over again. I hired an attorney to assist with getting negative, fraudulent debt in my name removed from my credit report only for the same information to be reported again months later by different vendors but same debt information that doesn't belong to me. I've reported it to all three credit bureaus to no avail. 

Example : Fraudulent Debt Showing on XXXX and XXXX XXXX XXXX XXXX XXXX amount {$480.00} removed XXXX XXXX after dispute however purchased by new company Avante XXXX amount {$480.00} and added back to credit report as XX/XX/2022 2022
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (OH)

SOMEONE STOLE, MY PUA OHIO UNEMPLOYMENT BENFITS WITHOUT MY PERMSISSION AND IT HAVE CAUSED ME TO NOT HAVE MY MONEY, THERE WAS AN ACCOUNT TAKEOVER, AND ALSO IT CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.
Consumer complaint received 2021-05-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I was offered a settlement for my loans via a settlement letter in XXXX XXXX. Neither the adjuster I spoke with, XXXX XXXX, nor the letter I received advised me that I was only paying one of three loans. 
Rather the letter references that the settlement offer, if paid by XXXX, NAVIENT would consider " the loans '' to be settled in full. In fact, the letter referenced " loans '', plural, three times. It never stated this was payment for only one loan. It also never made a distinction that Navient private sector was different from Navient Government Sector. It relied on me not knowing there was a difference. 
I was collecting unemployment due to Covid and had received a stimulus payment which I used to make that {$2200.00} settlement, believing I was paying my whole student loan debt. Again, at no time did the adjuster tell me there were three loans and nor did the settlement letter I received say I was only paying one. It said " loans '' plural. 
NAVIENT was deceptive in nature and banked on my ignorance. I paid the {$2200.00} in good faith on XXXX believing I was settling my whole loan obligation and was NEVER advised otherwise, either in writing or by an adjuster on the phone. 
The letter also promised to report this to all three credit bureaus. To date, this has also never happened. Another deception of NAVIENT. 
As far as I am concerned, my settlement payment was for all open loans, no matter what sector, that I had with NAVIENT. I consider the matter closed and demand that NAVIENT report as such to my credit bureaus, send me a letter confirming such in writing, and cease all emails and phone calls to the contrary. I don't owe them a XXXX more blood than they have already squeezed from my stone.
Consumer complaint received 2022-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX  I have asked the company I C CREDIT SYSTEM to verify the medical collection on my XXXX credit report by providing a breakdown of fees including and and all collections costs and medical charges and provide a copy of my signature with the provider of service to release my medical information. I asked if a failure of a response in 30 days under the FDCPA and HIPPA collection laws all collection should be deleted. With dates posted above I filed disputes and it has been well over 30 days and have not been notified of investigation or results.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 we requested to wire {$50000.00} from our JP Morgan Chase business account ( California ) to our personal account with XXXXXXXX XXXX in XXXX. Due to the inaccuracy of the exchange rate and fees, and with the advise of our personal Chase banker, we decided to recall the wire back within a 15 minute window. On XX/XX/2022 our private banker with XXXXXXXX XXXX  contacted us to confirm the return of the wire in the amount of XXXX XXXX, and advised us that there would be a fee of XXXX XXXX. We agreed to the fee and the funds were wired back to Chase in the same manner they were received. We found out later, that our original wire went to an intermediary JP Morgan XXXX bank in XXXX when the original wire was sent from our account in the US. XXXX sent it back to XXXX, which in turn should have sent it to the US. We have been trying for more than 40 days to track down this wire and have the funds returned. We have made direct contact with the JP Morgan XXXX bank in XXXX and they said they can only respond with the bank and to have our bank contact directly to obtain details. Today is XX/XX/2022 and we are still getting a complete run around and everytime we speak to someone they indicate that it is going to be 7-10 days to get an answer from an email that has been requested... .unacceptable to me!
Consumer complaint received 2022-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

After receiving notification regarding the extension of the PSLF Waiver Program, I completed an original consolidation online for all of my Loans, in accordance with the waiver instructions in XXXX. I immediately became concerned because an automated letter from Fed Loans indicated all my loan counts would restart at a XXXX payment count. So on XX/XX/XXXX, I spoke to XXXX who told me NOT to submit the request for the in school deferment reversal until after the consolidation was complete. This resulted in me potentially missing period that could have been included towards my forgiveness due to my XXXX being XXXX during all periods of my in school deferment. I just received my counts on XX/XX/XXXX and it only shows XXXX that are eligible and XXXX that are qualified, but if the in school deferment has been send in XXXX when I originally inquired it could have taken effect before my loans were consolidated from 6 subsidized and unsubsidized to 1 subsidized and 1 unsubsidized. 

This payment count should have forgiven all my loans based on the new PSLF waiver ; however, because of the Fed Loan representatives advice to wait until loans had been consolidated I missed out on counts that could've made my loans forgiven as I would have had the XXXX or more payments. I do have a timeline of events that would show the dates of my calls. 

I properly followed procedures but was horribly misled. I am now stuck with {$100000.00} that should have been forgiven on XX/XX/XXXX according to the PSLF waiver extension. How do I proceed in having the consolidation corrected?,
Consumer complaint received 2022-09-12
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. (LA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2021 XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 7. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 9. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Delete this account. 10. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 11. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account. 12. The followng information is incorect XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. The followng information is incorect XXXX Account Number : XXXX Delete this account. 
14. The followng information is incorect XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2021-04-12
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. (TX)

XXXX, Equifax, and XXXX  are incorrectly reporting a bankruptcy discharge on my credit report ( XXXX ). It shows status discharge as of XX/XX/2021. However, that is not correct and I have requested this item be deleted until it could be corrected. 

The item in question was discharged XXXX of 2021. This error will further delay my ability to cycle a clean slate. Neither credit reporting agency has updated or deleted the file.
Consumer complaint received 2022-07-26
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: BARCLAYS BANK DELAWARE (NY)

The problem first started when I was scammed out of {$1500.00} in Gift cards. The scammers wanted {$7000.00} but I could only get {$1500.00} at the XXXX XXXX XXXX. I had tried for {$2000.00}, but the last card would not go through. I realized what was going on and stopped buying cards. The scammers originally said that they were from XXXX and that my account had been compromised. I immediately called XXXX and the police. The pollice made a report and I found out this XXXX that XXXX had issued a credit for {$2000.00} on the XXXX of XXXX, XXXX in the amount of {$2000.00}. On XXXX the charge of {$2000.00} appeared on my Barclays statement ( the bank had changed in late XX/XX/XXXX when AARP changed banks ). Barclays is the bank that I am now having trouble with. When I wrote them in XXXX of XXXX to get them to change the {$2000.00} to the {$1500.00} XXXX thought I owed, I eventually received the letter about the {$2000.00} credit. I have contacted Barclays twice to find out when the {$2000.00} credit would be applied and on the last call I was told that they had done all they could. As of XX/XX/XXXX they have not applied the credit and I have been and still are paying interest and in on instance a large late fee. The amount turned over to Barclays from XXXX has long since been paid in full. I just want what is owed to me. I have back up for everything.
Consumer complaint received 2022-07-11
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: EQUIFAX, INC. (GA)

I am just stating for the record that I am a NATURAL PERSON and a CONSUMER that is filing this complaint. Do not close this complaint stating that this is not me. Now that I have passed that part, I am writing this because, I sent XXXX, XXXX and Equifax letters disputing the validity of the inaccurate/fraudulent information that they have on my credit reports. I reached out to both companies about this and they still did not respond. I also didn't authorize any furnisher to report anything on my report. I will definitely be seeking litigation if this can not be corrected, because this is false and fraudulent information. I would also like for each company to show how they validated these account according to 15USC 1681 ( 2 ) A & B. Thank you for looking into this and please give me an update when you can.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has not followed the law as stated above and below. In addition they reported missed payments in XXXX and XX/XX/XXXX when the account was CLOSED PAID IN FULL in XXXX of XXXX. 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 or 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.