davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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)

The account in question is a private student loan debt originally serviced by XXXX XXXX and given to XXXX, then purchased by the XXXX DOE to the best of my knowledge. The amount is {$28000.00}, and was purchased by the XXXX DOE in XXXX. I never paid this account, as I was still in XXXX study, yet it showed payments current up until the summer of XXXX. The account was closed in XXXX, and reflected a delinquency on my credit report. I consolidated my loans when I went to graduate school in XXXX. I think that information may have been used against me to keep the account open and delinquent. My other loans that were included in the consolidation were not taken off my credit report, but they should be coming off in XXXX of XXXX. Albeit XXXX XXXX too late, at least they're finally coming off. The account I'm reaching out about is supposed to come off in XXXX of XXXX. I've disputed these accounts multiple times after consolidating my loans to no avail. My credit report reflects XXXX XXXX XXXX history despite not missing a payment in years and having no delinquencies in over XXXX and a half years. This has adversely affected my credit report with inaccurate information for years, and I'm not sure how to dispute it so that it comes off. I was recommended to you by XXXX. It has costed me in XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXs, additional inquiries searching for a flexible lender, and has unnecessarily XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-31
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. 
Account name : XXXX XXXX, Account name : XXXX XXXX Bank, Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX 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 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 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

Hi i went to get my credit score 2 years back for one time charge of XXXX XXXX plus tax. I was on the phone with an agent since I wasn't comfortable online. Since then for last 2 years they charging my debit visa XXXX service charge. I called about with more than 6 time. I even asked him to cancel several times. No go, they told me not to cancel it till the investigation is gone on. I escalated 3 or 4 times but no records, seems like they don't have or not able to find any results. I never used there product at all. We depend on this company for our credit and is an important part of the financial life in XXXX but the support is overseas and they are not understanding the problem. Once I waitted till XXXX XXXX and the rep put me on hold for 1 30 hrs till her shift is over. I want to get my money back and talk to someone in XXXX. I m an emigrant and not XXXX but this is our life line and we want support from some from XXXX that can understand the system better
Consumer complaint received 2023-01-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

The company involved was Chase Bank they overcharged me a overdraft over and over again if I make a withdrawal then they'll make another withdrawal I would transfer money into another account they would take it back out of the account they have me in the link was with several casinos when I've had the money in my account I sent the casinos proof that I had the money in my account but Chase Bank wouldn't cooperate with me I they seen on my account that I had the money in there but even when I went to get groceries I've had to pay a grocery store back and then turn around and pay Chase Bank back just as well they would take my money from whichever company I would pay and then I'd have to turn around and pay the company and pay Chase Bank just as well and I can't get them to resolve it at all and I'm tired of dealing with them so can you please help me
Consumer complaint received 2023-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

On XX/XX/2022, USCB AMERICA added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA USCB AMERICA has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Consumer complaint received 2023-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MOHELA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It whom it may concern, I agree to pay the following financial obligation regarding account number XXXX and which I might lawfully owe on XXXX condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both MOHELA AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.

Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I mailed an Opt Out Notice and validation request to XXXX, Equifax and XXXX. 

I requested that all accounts be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; Equifax, XXXX and XXXX ignored my request and continued to report after I opted out and revoked my permission. 

They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. Also demand notice was sent on XX/XX/XXXX. ( see demand Notice ) The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A 20 USC 1232G Defamation of character Equifax, Experian and Transunion are in violation of multiple US Codes, Privacy Act of 1974, Family educational and privacy rights and FCRA.

All accounts currently being reported are to be removed from my credit report Per 15 USC 6802. Except for XXXX card services account Equifax, XXXX and XXXX are in violation of many of my rights as a federally protected Consumer.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY (CA)

I went to : Wells Fargo, to get {$5.00} in : XXXX, and {$20.00} in : XXXX. A Teller told me if I have an Account with : Wells Fargo, and asked me for my State of : California ID, The Teller told me that I don't have an Account anymore with : Wells Fargo.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following account was a Bankruptcy/Charge-off. Balance should be {$0.00} HYUNDAI CAPITAL AMERICA XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (VA)

On several occasions Wells Fargo would issue bank XXXX fees when the balance was to low to accept payment on purpose. They would also allow cancelled subscriptions to go through to cause XXXX fee. XXXX deposited funds to create XXXX to charge. I also was told years ago that my account was military and that it was a free checking regardless of balance. I discovered that XXXX was charging my account {$10.00} a month recently and have no idea how long and without notice.
Consumer complaint received 2023-01-27
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (TN)

I was discriminated against the very first day I opened up my account inside the branch. They admitted to said discrimination but did nothing about it to satisfy me. And I saw a small fee was deducted out the blue and no record as to why it was taken out. Due to it, I don't even feel comfortable or appreciated enough using my account anymore. Please help me get compensated for the wrongdoing they already admitted to.
Consumer complaint received 2023-01-20
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 (TX)

My Wells Fargo account and credit card was closed with no information on why they closed it.. I. always paid more then my minimum payment on card and always before the date.. when I contacted them they would not give me any reason in why they closed. My accounts ..it happened about 8 years ago mayb more dont really remember dates
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/XXXX, a camera and two lenses that I had listed on XXXX XXXX was sold through venmo to a XXXX user that I had chatted with on the website, and then the phone. 

I had documented proof that this person engaged in conversation with me with the intent to purchase my camera, and then arranged for his partner to come pick the camera up after he had sent me {$4500.00} through venmo to my personal venmo account. Within a couple of days of this deal, I found that the charges had been disputed and my venmo account was negative {$4500.00}. I showed evidence to venmo that this transaction was legitimate and they dismissed me as saying I was not protected and that I owe them the balance. It seems as though this person used a stolen credit card, and I am being hit with the responsibility that I feel should lie on these financial institutions who provide this service in such a manner that permits a widespread industry of scam with little to no security for those who use it. They are a massive Corporation and I am a single citizen attempting to use the service that they offer. The solution is not to tell users to be careful who they sell to. Because I did my diligence. I was not aware that venmo permitted unrestricted use where a person 's identity was not actually tied to an account and that they are free to just throw thousands of dollars on credit only to dispute it and change their account name entirely and somehow get away with it. Where is the security? How is a person allowed to use a credit card with a name not matched to their account? And furthermore, how is their account permitted to be used when not linked to a bank account of that same identity? Why is there little to no restrictions on financial transactions in place if all venmo is going to do is tell users too bad. All that accomplishes is venmo still gets their money, the scammer keeps his, and innocent people caught in the middle are left with severe debt that they do not owe. 

I have documents showing timestamps, chat logs, phone call logs, and proof that this person willingly sent me this money only to then dispute it and change their name on venmo. I've already sent all of this over to venmo and they said that it essentially wasn't relevant because I was not protected.
Consumer complaint received 2024-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

When I initially was accepted into the XXXX XXXX ( XXXX  ) in XXXX I viewed it as a wonderful opportunity to gain work experience working in a entry level non-profit position and also the benefits its offered such as Public Student Loan Forgiveness Plan ( PSLF ). I called my loan servicer nelnet around the summer of XXXX to explain to them that I was joining the XXXX XXXX and I wanted to be part of the PSLF plan which XXXX  volunteers qualify for. They have records of the phone call which shows that I asked for information about the PSLF, they checked my eligibility which passed, and how I expressed my interest in participating in the program. Unfortunately they did not provided me with the proper documentation or explain how to access the proper documentation instead they instructed me to sign the papers for deferment of payment which was not elegible for PSLF. When I finished my service in XXXX of XXXX I called Nelnet in XXXX to check about the PSLF plan I was in and about my loan. They informed me that I was not in the PSLF and that I was in deferral which does not qualify. They said they can not do anything about the situation since they have an agreement with the department of education. They intentionally misled me to sign papers for deferral and not the correct income based payment plan which qualifies for PSLF. As a result I have lost two years of compensation into the PSLF.
Consumer complaint received 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

There was a fraud charge on my account on the XXXX of XXXX for {$410.00} and I filed a claim and the bank denied my claim when I was actually robbed for {$410.00} on my card I dont know what to do because I dont have that kind of money to lose the banks are completely useless
Consumer complaint received 2024-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NY)

Paid American Express the full amount of debt of {$10000.00}. Advised the live chat agent I would be paying this in full. The day I paid in full they cancelled my account and refused multiple attempts to reopen the account. Then i just happen to log into the account an notice there is another interest charge of {$99.00}, there was no warning from the agent that this was going to happened and it appear on my credit report since it wasn't paid. WHY XXXX XXXX WOULD I CHECK AN ACCOUNT THAT WAS CLOSED AND PAID IN FULL. I have since talked to an agent on live chat, on the phone and a phone supervisor who have failed to rectify this situation.