davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

Under the new law that was effective XXXX XXXX, 2017, any public record data must include the name and address, as well as the SSN and DOB in order to appear on a consumer 's credit file. The Credit Bureau 's have yet to update this information. Per the new law True Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I have tried to place a security freeze on all my credit reports due to vast amount of identity theft and wifi spoofing. THis includes 25 phones that were port forwarded by criminal activity within XXXX XXXX XXXX, XXXX and XXXX. The WiFi spoofing started XX/XX/XXXX and data was stolen from my employer which then turned into a significant data breach. The credit agencies indicate that they have put a freeze on my report but when I check with them directly no freeze was initiated. I then reported to the FBI ( with 3 phone calls ) and at their local office they did not receive any such complaint. I am concerned my identity is being used in a malicious attack as at XXXX there was a purchase of the DNA sample and my prescription list provided to an unknown party. I would like the 3 credit agencies to place an immediate freeze on my account as my credit card accounts are being used activity and I have access to the cards. THe cards are being made.
Consumer complaint received 2021-10-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: M. G. Credit, Inc. (FL)

So my credit balance shown on my credit report is, and always has been {$1700.00}. But when I requested info to pay, I am told the balance is over {$2300.00}. Where is this extra {$500.00} for? 
Found out the extra amount is for fees, etc. Something that they just add without telling you til you're ready to settle. Apparantly if I return the product ( which I dont have, or access to ) is returned it may be reduced by {$260.00}. So just spoke with XXXX, and he wants me to change/delete this review. Now he was rude, and demanding. And is now unwilling to settle for anything less than the $ XXXX So, sure I will edit it. You're name is added, and more info for you. Too bad I can't give a big ZERO.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To my disbelief, I saw inaccurate accounts on my credit report today, and I honestly have no clue where they came from. I always monitor my credit report, and nothing like this has ever happened. I thought it might be a technical error, so I refreshed my browser, but it didnt resolve anything. The incorrect accounts remained, leaving me feeling confused and upset. I urgently need the documents Ive provided to be thoroughly checked so I can stop worrying about this happening again.
Consumer complaint received 2017-07-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (IL)

I worked at Macys I received a pre-pay account where I would load money onto the card before making a purchase now I do not work at Macy 's and I 'm getting billed for the remaining of the balance on the card that I never paid off. it 's a balance less than {$100.00} and I 've been paying $ 10- {$20.00} a month to get it paid off for the last three months now I get about 10 phone calls a day after I already spoke with the supervisor and told her to stop calling me they call me numerous amount of times at work and they call me as early as XXXX XXXX in the morning. Not to forget as I mentioned above I have been paying some money per month. It 's getting ridiculous at this point
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Enterprise Systems, Inc. (SC)

NES NATIONAL Enterprise Systems XXXX XXXX # XXXX I understand that the {$230.00} debt is owed. I have every intent to repay the bank, however, I have been unemployed for 6 months and is currently collecting {$150.00} per week in jobless benefits for 12 weeks. Because I work in XXXX, I am subject to pass a credit check before an offer for employment can be extended to me. I applied for the XXXX XXXX positions with the XXXX XXXX XXXX, XXXX, NC and I am required to pass a credit check. I can not have any collections or judgments on my credit file. It 's critical that my credit file remains spotless because I will have to undergo credit checks for any positions I apply in XXXX
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (PA)

Back in XXXX of XXXX, reached an oral settlement with Lowes/synchrony bank over a credit card dispute. 
On the check was written payment in full as per settlement. However, instead of cashing check the check was converted to an electronic format by payee. 
In XXXX of XXXX received an invoice from Lowes/Synchrony bank so sent a certified mail letter advising this was disputed and asked them to check notes of phone settlement conferences that were held in XXXX XXXX and XXXX of XXXX. 
In XXXX of XXXX XXXX and XXXX, law office sent a letter regarding this debt and they ignored the written response and have filed a complaint in magistrate court which is scheduled for next week.
Consumer complaint received 2017-06-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AZ)

On  XX/XX/XXXX  FED  LOAN  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED  LOAN n ever responded to my letter. I sent a complaint to the CFPB about this matter and then FED LOAN decided to respond with electronic copies which I did n't ask for. I specifically asked for the ORIGINAL INSTRUMENT OF INDEBTEDNESS. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XX/XX/XXXX  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/XXXX  FED LOAN jumped the loan amount back to {$50000.00}. I 've also attached my bankruptcy paperwork filed  XX/XX/XXXX  and  discharged   XX/XX/XXXX  which includes  XXXX   XXXX   XXXX   XXXX  in the amount of {$14000.00} and  XXXX   XXXX   XXXX   XXXX   (   student loan )  for {$7000.00} which I do n't see reflected on my FED LOAN statements.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C. (UT)

In a previous complaint : XXXX Gurstel Law Firm P.C., On XX/XX/XXXX, 2020. filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XXXX XXXX, 2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XXXX XXXX, 2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/ 2020. Gurstel Law Firm submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/ 2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. Gurstel Law excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from Gurstel Law Office. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX  ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document.

( Court Doc pg 1, 2, 3 ) 9 -  In this statement. He lists Gurstel 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of Gurstel Law Firm. 

10 - Then in closing arguments. The Plaintiff, XXXX XXXX XXXX is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of XXXX XXXX XXXX The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for XXXX XXXX XXXX. As referenced by Mr. XXXX XXXX XXXX. Attorney for the Gurstel Law Firm P.C.

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You XXXX XXXX
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (DE)

I noticed a collection account with Transworld Systems on my credit report, which was based on a past due balance with XXXX XXXX XXXX XXXX. I knew that I did not owe any money to XXXX, so I provided proof to XXXX  that the debt was not valid. XXXX stated that they would recall my account from collections. However ; the collection agency has updated my credit reports so that it now shows paid in full which is incorrect. I have not paid on any collection nor have I paid any amount whatsoever to Transworld Systems. This inaccurate collection account needs to be removed from my credit reports immediately. I have disputed with the credit bureaus and the information was falsely validated by Transworld Systems twice.
Consumer complaint received 2020-08-26
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)

Equifax was asked to investigate an entry on my credit file. The results have continuously been that the entry has been verified with a third-party. I contacted the third-party ( XXXX XXXX ) and they stated that they could not validate this entry so therefore XXXX XXXX deleted the entry from their files. Equifax was sent a copy of the response that I received from XXXX XXXX several times. Entry was disputed again and the response was that Equifax verified the information through the court system. I contacted the court system listed and they stated that they do not verify this type of information. The court system response has been sent to Equifax as well. The last request that I had was for Equifax to send all documents that they had in their file that validated the entry on my report whether it be the court system or XXXX XXXX. The response that I recieved was that the entry had been validated yet again by a third-party ( XXXX XXXX ) but there were no related documents furnished to support this information.
Consumer complaint received 2020-02-12
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. (MD)

After receiving phone calls, mail and email indicating that there were accounts opened in my name that held balances I ordered credit bureau reports in response. I have also been banking with XXXX XXXX XXXX XXXX  for more than five years with a good banking relationship and initiated a new savings account and was declined. The Bank Manager and I were alarmed so I also ordered a checking account report from ChexSystems and other reporting systems. I discovered that multiple accounts were opened and were in operation for some time. I have spent the last 18 months taking XXXX XXXX  and have had XXXX XXXX and I do not use credit. My home was previously burglarized at my former address at XXXX XXXX XXXX XXXX XXXX MD XXXX and I suspect one of my tenants was responsible. I also suspect suspect that Mr. XXXX XXXX XXXX who lived in the basement of my current home at XXXX XXXX XXXX may be responsible as well. The following accounts were fraudulently opened : 1. XXXX XXXX XXXX - XXXX 2. XXXX XXXX XXXX  - Uknown 3. XXXX XXXX XXXX ( partial ) 4. XXXX XXXX XXXX XXXX ( partial ) 5.  XXXX  XXXX XXXX - XXXX 6. XXXX XXXX XXXX - XXXX 7. XXXX XXXX XXXX - XXXX XXXX. Bank XXXX XXXX XXXX 9. XXXX XXXX XXXX - Unknown 10. XXXX  XXXX XXXX Checking Account XXXX ( partial ) 11. XXXX XXXX Chekcing Account XXXX ( partial ) The following are attempts to open bank accounts in my name : Fraudulent Banking Activity : The following were attempts to open accounts in Mr. XXXX name currently showing as inquries : 1. XXXX XXXX XX/XX/XXXX ; 2. XXXX XXXX XX/XX/XXXX ; 3. XXXX XXXX XXXX XX/XX/XXXX ; 4. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 5. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 6. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 7. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 8. XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; 9. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 10. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ; 11. XXXX XXXX XXXX  XX/XX/XXXX ; 12. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 13. XXXX , XXXX . XX/XX/XXXX ; 14. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 15. XXXX XXXX XXXX XXXX XX/XX/XXXX ; 16. XXXX   XXXX/XXXX  Credit Line XX/XX/XXXX ; XXXX  -XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX   XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX   XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX   XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2019-01-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

Student loans occurred in XX/XX/1998. Once repayment was set up by Sallie Mae payments were made although sometimes sporatic, then year after year on renewal only forebearance was offered. Struggling to build a business in small town in XXXX was rather tedious. Payment books would come in one amount, then another book with different amount with no logical amounts and no options. Upon another renewal time, my Power of Attorney was contacted stating that an Income Driven Program ( IDP ) might help me and docs were sent to my POA via fax, completed, signed by me and returned via fax and mail. However after approval and payment of a lower amt was made, statements the following months were more money and again the following month higher payments. My POA has tried to resolve docs and payments, but nothing from Navient other than " must talk to you first ''. Past years the Servicer would send the docs to my POA 's office and by regular mail, but now Navient has refused to do so stating WE MUST TALK FIRST. My feeling is to go back to forebearance. They are also stating that my evidence of income was never sent which is false, and currently I am under a forebearance, but I have a statement/letter stating " I am currently on an IDP plan. Florida A.G. Atty Office was contacted to join in the lawsuits as other states have done but I think they have closed their file as no correspondence has been sent to me. Navient has not sent the A.G. docs as A.G. requested and I signed an authorization but Navient refused to accept it.
Consumer complaint received 2020-02-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA (WI)

I paid a payment on time on XX/XX/20 the about Was XXXX and on XX/XX/20 the Amount I paid was XXXX and all the transactions were valid ... then a couple days later It declined my transaction because I wasnt aware that the funding source I paid it with wasnt valid .... But!!! The transaction went through. A couple days later they declined the payment and made it seem like it was a late payment but it Really Wasnt ... so I was wondering if you guys can help me out with that a problem, Because it wasnt my fault that I didnt know that the funding source was invalid, Even though I paid it and the Transaction went through and it made my credit score dropped 59 points ...
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I have promptly reported a slew of unauthorized charges to Wells Fargos in early XXXX.These charges dated from early XXXX to Mid XXXX. I have also not used this particular card in months. 

Fast forward in XXXX I made a follow-up call to Wells Fargos Credit Card Claims Department and it turns out they have denied my fraud claim because I have filed " too many '' disputes. This is absolutely ridiculous and I have since made an appeal along with filing a police report. Wells Fargos did make any effort to protect me as the consumer in this case. Below are the charges in question. 
Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX  Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number XXXX XXXX Status : Dispute forwarded to the Fraud Team Dispute Number : XXXX Date Posted : XX/XX/XXXX Merchant Name : XXXX XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute forwarded to the Fraud Team
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

We have been trying to get the remaining funds from our insurance claim for 2 months now. The final inspection was handled on XX/XX/XXXX, but we had two additional checks sent to loancare that were posted to our account on XX/XX/XXXX. I submitted a XXXX  complaint on XX/XX/XXXX. On XX/XX/XXXX we received two calls. 1st call indicated they were escalating the request for a 2nd inspection and the 2nd call indicated they would be issuing a payment in 5 business days. To date, neither has happened. No inspection and they have not released the remaining funds from our insurance claim.
Consumer complaint received 2020-08-26
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. (IN)

Since XXXX Equifax had my birthday incorrect I have tried with the Consumer Protection Agency FTC an attorney general 's office to have them change it and it never happened look in your files you have it on file. The response to my dispute was always the same I would have to furnish them the information that I've already furnished to the consumer protection agency and that I did not trust them what's a realize it is since XXXX my birthday was incorrect I wrote them a letter indicating that here is my information and I gave them my information they finally have changed my birthday and made it correct as of XX/XX/XXXX but I have formed them it is me of legal right for me to be able to get access to the information that they were holding against me I want to know in the name of the company is XXXX XXXX XXXX they're the ones who provided the information to Equifax in XXXX and my birthday was the wrong day I want all the information in that file where all that came from I want anything  pertaining to that since it took me until this long and I have been denied loans credit cards and everything else you can think of. I have had identity theft and I have let them know now mailed a letter stating that I wanted a copy of any information they provide me related to the issue of my birthday being incorrect has not received any mail a letter a phone call nothing I've been working on this for at least three years I did not know that this was since XXXX and I want this information and I believe it is my right.
Consumer complaint received 2020-09-01
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. (MI)

ACCOUNT PAID IN FULL Navient your Federal Family Education Loan Program ( FFLEP ) Federal Comsoldation Loan Application and Promissory Note loans do not match what is in the NSLD/FinAid account amounts. The NSLD original amount of loans come to {$33000.00}. I have 3 receipts that reduce that amount. The First : The XXXX loan you listed as paid for in consolidated was not for {$2800.00} the loan is in default. The Second receipt the loan for {$5500.00} was reduced by {$2100.00} money return to lender XXXX XXXX XXXX = {$3300.00}. The third the loan for {$4500.00} was reduced by the school to {$2000.00} and then returned in the amount of {$2000.00}. The amounts of $ XXXX $ XXXX {$10000.00}. Then this amount was subtracted from the original amount in the NSLD of {$33000.00} - $ XXXX {$22000.00}. Then the original amount was subtracted from XXXX XXXX amount of {$49000.00} = {$27.00}, XXXX the exceed balance. The $ XXXX $ XXXX {$4400.00}. The Borrower Certification and Authorization form page 4 state exceed money amounts must pay off the balance of the loan then the rest of the money goes back to the lender XXXX XXXX. 
Documents sent : Loans in the NSLD/FinAid 3 receipts two from school return money to XXXX XXXX Page 4 Borrower Certification and Authorization were state what do with excess money ( E ) XXXX loan not paid nor consolidated and in default