davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (LA)

The payments on this loan be came due when I was still in school full time for my XXXX XXXX. This was a private loan that I took out to complete a certification through the college of financial planning. Other than a piece of mail I received late, I was not called or otherwise notified that my loan payments were now due and by the time I received the mail it was 3 months too late. So in the process, my online access to pay or even view my account to keep track of it keeps getting locked or XXXX. I have called multiple times to try to reset it and it again gets XXXX. 
I have tried to refinance this loan along with my regular loans to no avail as they do not allow refinancing with my student loans. 
Once again, I get no call as of XX/XX/23 and only get a piece of mail that said I am in danger of default but yet I can not see the account to manage it. I call today and they try to reset my access. Also, I call and make a payment and notice it has gone up, I ask why and was told my rate has been increased but I was never informed it was going to increase. Plus now my credit report is damaged with late payments that I feel are not my fault due to their incompetance.
Consumer complaint received 2022-02-03
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. (TX)

I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

I yave constantly been this item lvnv funding llc/Resurgent XXXX XXXX XXXX I requested that Equifax provide me with information on how they dod their investigation on this account # XXXX. They have continued to allow this company to report this negative and damaging information on my credit report. As well as random updates. I would like to see the original signed documents with my signature as well as the purchase agreement. As well as all other documents that shows my commitment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent dispute letters to Equifax to show me proof that I owe this debt and havea legal contract with this company. At first it was showing as a collection now it shows as a closed account that regularly updates and Equifax allows this. Also Equifax allows this company to report a false original credit limit that has a uneven number. And definitely a incorrect high balance.
Consumer complaint received 2018-11-14
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: The Thomas Agency, Inc. (ME)

I was very sick in XX/XX/2017 from XXXX treatment. I called the VA they told me to go to the nearest hospital. I could n't drive so i called an ambulance. They picked me up at my home held me as i walked down my stairs. I was XXXX and XXXX from the treatment and the lack of being able to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Again the Veterans Administration Hospital XXXX in XXXX Maine ( actually XXXX  Maine ) Was responsible for the transport to the hospital by the Ambulance Company. And they were told 2 times that they were to bill the VA Hospital at XXXX Maine. 
Then when they sent the bill i told them again that they were to charge the VA hospital. 
I only received that one bill from the City of XXXX Maine. 
No other bills were sent. I had sold my home by that time and was moving to Florida and I did put in a forwarding address at the POST OFFICE. But I still never received a second billing so I assumed that the matter was settled and the VA paid the bill. 
Any way I started getting harassing phone calls from a Thomas Agency.  They kept harassing me over and over and over again. I blocked all their numbers and stopped them from calling harassing me. 
I had explained to the City of XXXX that they needed to bill the VA Over and over but they did not follow my instructions so what can i do about that? If they had submitted a bill to the VA then they would have been paid. But they did not. So I can not help that. So they were upset because they didnt follow the instructions and sold the debt to a company that harassed me over and over and over again for their mistake.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX is reporting that I have an open account with them when in fact I dont. They are also reporting late payments to the credit burea every single month on a car that I have not seen since 2014. They recently just reported that my payments is 120 days late and I have never received a bill from them. This item is six years old and should be removed from my credit.
Consumer complaint received 2018-11-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AR)

I entered into a mortgage loan with Wells Fargo Home Mortgage and the loan that was offered on predatory terms. They have also refused to allow me to refinance the loan that I previously received. They also denied me the right to pay off this mortgage.I have been taken advantage of by Wells Fargo.I have been paying on account XXXX for over 20 years. I have been making balloon payments of $ XXXX monthly payments for over 20 years and my balance is still {$43000.00} and that not correct. Wells Fargo has tried to take my house several times and made me come up with balloon payments but my balance does not reflect these funds. Out of the total monthly payment of {$800.00} only {$73.00} is going to the principle and the rest is being applied to interest. I had XXXX at the time that I signed this loan and I feel like they are taking advantage of me and waiting for me to die to take my house. The way that they set up this mortgage loan, I will never own the house I have paid for over 20 years.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (MD)

Money was put in XXXX XXXX XXXX in two lump sums deposits first was XXXX, XXXX ; XXXX dollars and the second was XXXX dollars bank close went to XXXX and now Wells Fargo we have the deposit slips and have spoken to Wells Fargos Bank with no success. They keep sending us to missing money this money wouldnt be in that category. We need help finding the money
Consumer complaint received 2018-11-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC (MI)

Car broke down ( XXXX XXXX XXXX ) had already paid XXXX for brake job repair. Signed a note with XXXX XXXX XXXX XXXX. under ( XXXX XXXX ) for brake repair, after repairs the amount was XXXX after 90days. XXXX for 12 months. I can not borrow or raise the money to pay the loan off by XX/XX/XXXX. I already made 2 payment of XXXX. XXXX a piece. What can I do? Just keep paying for 1yr? I said the brake repairs were too much. and I was treated very hostel by MGMT. was told '' move your car off my lot or pay in a loan for repairs, I am an older lady and I signed for repairs.
Consumer complaint received 2018-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.
Consumer complaint received 2022-04-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (TN)

on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law. 

my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction. 

now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged
Consumer complaint received 2020-05-04
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. (TX)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX   ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following inaccurate and fraudulent information that appears on my credit report. As per the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c-2, I have been a victim of debt trafficking, and I demand the immediate removal of the disputed items in accordance with federal law. 
Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX  {$430.00} XXXX. XXXX XXXXXXXX XXXX XXXX {$1400.00} XXXX. XXXXXXXX XXXX  {$14000.00} XXXX {$8200.00} XXXX. {$72000.00} INQURIES : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are fraudulent and must be removed without delay. I have already notified the relevant authorities, and this letter serves as an official notification to your agency that I am a victim of debt XXXX. Under the FCRA, you are legally required to act immediately upon receipt of this communication, particularly given my victim status. 
Applicable FCRA Sections : FCRA Section 605 ( b ) ( 15 U.S.C. 1681c-2 ) : Requires the blocking of fraudulent information related to identity theft. As I have been a victim of debt trafficking, you are required by law to block the reporting of these fraudulent items within four business days of receiving this request, upon receipt of my identity theft report and the documentation provided herein.

FCRA Section 615 ( f ) : Prohibits the sale or transfer of any account that is known to be fraudulent or in dispute due to identity theft. Any further attempts to sell, assign, or transfer these debts would be a clear violation of the FCRA, and I will not hesitate to take legal action if such violations occur.

FCRA Section 624 ( a ) ( 6 ) : Mandates that users of consumer reports refrain from furnishing information to any consumer reporting agency if they have been informed that the information is related to identity theft. This provision clearly requires the removal of these fraudulent accounts from my file.

Demand for Immediate Action : I hereby request that : All fraudulent accounts be permanently removed from my credit report.

A block be placed on any information that is the result of identity theft in accordance with 15 U.S.C. 1681c-2.

Written confirmation of the removal and the updated credit report be provided to me within the legally mandated time frame. 

Failure to comply with the above laws will result in immediate legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing civil damages under FCRA. I expect your prompt attention to this matter, as any delay in correcting these fraudulent items is a violation of my rights.

Enclosures : Copy of my identity theft report Copy of my government-issued ID Proof of address Additional documentation supporting this dispute I look forward to your prompt response and immediate compliance with federal law. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo at XXXX pst on the XXXX of XXXX and filed for a stop payment on XXXX XXXX merchant. They said OK and sent me a letter with approval that I have in my possession. On XX/XX/XXXX, they allowed the transaction to go through and charged me overdraft fees saying 3 business days was needed when that was never conveyed during the call on the XXXX but that was still 3 business days prior regardless. I attempted to stop payment through the merchant a week prior but they refused to honor it, which is why I went through Wells Fargo who is supposed to work for the customer, not the merchant. I also requested they stop all ACH payments while the account was overdrawn but they said they couldn't ( which they did weeks later and i have proof of that as well ) Wells Fargo 's representation continues to lie and stretch truths to better themselves and relieve all accountability. They're very deceitful and are great liars when it comes to stealing money by making excuses to over draft one 's account.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes XXXX, Account Number : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IA)

XX/XX/21 Letter from Synchrony Bank received advising account closed Reason : '' Activity on account ( s ) with Synchrony Bank indicative of high risk or failure to pay. '' This was a Sam 's Club XXXX XX/XX/21 Letter from Synchrony Bank received advising account closed. Reason : " Account has been inactive '' This was a TJ Maxx XXXX. No issue with this XX/XX/21 Called Synchrony advised to file credit report dispute. Asked for supervisor as issue appears internal with Synchrony Bank. Explained to Supervisor XXXX that there must be an error, credit score above 780, no credit issues. Was told they will get back to me. 
XX/XX/21 Called Synchrony due to no response. Sppke with Supervisor XXXX. Re-explained. Advised they would get back to us. 
XX/XX/21 Called Synchrony, spoke with Supervisor XXXX. She advised she is having a ticket opened up for review and will take 1 to 2 billing cycles for response.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  {$420.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} OHIO XXXX XXXX XXXX XXXX {$1200.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-12
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. (NC)

I have some account on my credit file that are not my and I have tried to fix the situation back in XXXX as when I first witness it. Accounts such as XXXX  XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX. I would like this item remove off of XXXX XXXX and Equifax.