davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-23
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. (GA)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention :
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX, XXXX XXXX, XXXX Bal {$11000.00}, XXXX XXXX Bal. {$38000.00}, XXXX XXXX XXXX
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (LA)

Wells Fargo Bank is reporting 2 fraudulent accounts on my credit reports. I have disputed these accounts several times and they were removed from my credit report. Wells Fargo is now re reporting them and is refusing to remove them. I have sent supporting documents proving these are fraud. They sent me documents claiming I made purchases the suppose signatures are not mine and or no where near my Signature!!!! I am able to send in documents showing my signature is totally different! I have sent police reports ID THEFT AFFADVITS and FTC complaint forms. Wells Fargo is not working with my at all in trying to resolve this matter. The following are the accounts that are fraud. 
1.Account Name WF BANK NA Account Number XXXX Date Opened XX/XX/XXXX 2.Account Name WF/XXXX Account Number XXXX Date Opened XX/XX/XXXX They need to look at the signatures because the signatures do not match mine.
Consumer complaint received 2020-03-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

Equifax and XXXX  are reporting incorrectly the status as current on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report the status as CLOSED. I have attached a copy of the letter from XXXX XXXX dated XXXX showing your account reflects a balance amount of XXXX and closed status. Please update the account status. This inaccurate reporting is harming my credit score. I have contacted the bureaus to update this however, I have not been successful.
Consumer complaint received 2020-03-23
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. (NJ)

XXXX, XXXX  and Equifax are reporting false information. 

The accounts that are open by FRAUD a XXXX XXXX XXXXXXXX XXXX account number XXXX with a balance of XXXX XXXX XXXX account number XXXX that is showing closed XXXX XXXX   XXXX OPENED XXXX BALANCE XXXX XXXX/ XXXX XXXX XXXX opened XXXX balance of XXXX account number XXXX duplicated accounts are also showing on Equifax XXXX IT IS MY ACCOUNT BUT SHOWING TWICE PLEASE REMOVE XXXX XXXX bank XXXX with a XXXX balance.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (HI)

During my flight of many from XXXX to XXXX Hawaii, The crew of XXXX XXXX advertised applying for XXXX airline Credit card and get XXXX air miles as soon as you use the card for even {$1.00}, I applied for the card and got it around XX/XX/2019, and after 3 statements the Barclays Bank told me that this information is not correct and I will not get my miles unless I spend over {$5000.00}, I immediately closed the account, paid off the balance. 
4 month later I found that they charged me interest of about {$10.00} right after I paid off the balance and add late fees of {$150.00}, and reported to XXXX  the credit reporting agency a delinquent account for 120 days, which had a big negative effect on my credit score, my credit score used to be XXXX, it is now XXXX. 
I called tried to reason with the bank, and they declined to remove the bad credit reporting, and waved some of the late fees, the account should have a ) interest to start with, and to charge me interest after I paid it off and closed the account, and fil to inform me of delinquent amount for 120 days is definitely a blackmail method of the bank and XXXX airline
Consumer complaint received 2020-03-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES (CA)

I'd like to be clear that the options presented for my complaint were not specific to my complaint or concern. 
I have an existing repayment plan with the law firm Zwicker and Associates regarding my XXXX credit card and have asked to help me reduce or skip my payment due to loss of income resulting from the pandemic of the corona virus. many of my other creditors have been more than willing to work with me with the exception of this law firm. They are telling me they cant help. It is ALL OR NOTHING and if I dont make this month 's payment this will void my agreement and will have to renegotiate my settlement arrangement. I have never had an issue making my payments in the past. I dont feel it is fair that they are not offering any options to help in this crisis that is affecting us and people all over the world. They are heartless and unfair. 
Zwicker and Associates XXXX XXXX XXXX
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

The collection agency Transworld Systems Inc is claiming that I owe a balance from a lease agreement that I never signed. I tried disputing this information with XXXX  with no resolution. I advised XXXX that the signature is fraudulent, and that if they review my license, it will be clear that it is not my signature.
Consumer complaint received 2020-03-24
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. (IN)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2020-03-23
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, i called wells fargo dealer services to make a payment through their automated system. My call was answered by a gal and I immediately asked to be transferred to the automated system which she did. I made my payment just as i do every month through this system using the account number on file, always making the amount due at the time of the call and i hung up. This has NEVER been an issue before. I am finding out today that my payment did not go through, it did not clear my bank and so i made a call today. A nice gal by the name of XXXX XXXX answered and she confirmed that i did call on XX/XX/XXXX at XXXX but the info that she has is that i asked for a payoff which I did not do, i merely asked to be transferred to the autopay area which did happen. I made the payment, using my account on file and that was that. I asked XXXX if it was reported to the CBR and she said yes, and i asked her to have it removed as Wells Fargo has the documentation that i did call in. This is negligent on the part of Wells Fargo, they are not willing to reverse a late reported to the CBR although this is clearly a one off situation which is horrible customer service. We hear so many complaints about Wells and as a fellow banker i have always support Wells, until now. When this happens to me, i would imagine it can happen to anyone. I want the 30 day late reversed asap and since all calls are recorded and monitored, i would like the tape of the conversation with the other associate sent to me. I do not typically keep all documentation from the auto payments, but you can bet i will now. I expect a call back or this situation made right in the allotted time allowed by the CFPB. You see, i am also a XXXX, for 32 years now and i know how this works.
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NV)

I requested to have my IDR monthly payment recalculated due to a change in income from the COVID 19 crisis. I requested this on XX/XX/XXXX. On XX/XX/XXXX, I received a letter that my loan servicer put my account in forbearance. I did not request forbearance. They stated that anytime an application is put in, they put an account on forbearance. I have never seen this information written in any place and this was not the information that was given to me over the phone. It states that I will continue making my monthly payments until it is recalculated. As a result, my loan servicer is now telling me that all the unpaid interest on my account will be capitalized when they take me off the forbearance that I NEVER requested. Even though Trump has implemented no interest accrual on forbearance during this time, apparently, since I requested my payment to be recalculated instead of requesting emergency forbearance, now this doesn't apply to me and my interest will be capitalized. Their IDR office is not even open to recalculate payments. This is not my problem and I should not be punished by having my interest capitalized because Fed Loan Servicing can't properly handle their application. Fed Loan Servicing is fraudulent in how they handle loan repayment and will do whatever they can to find ways to capitalize the interest on your account.
Consumer complaint received 2020-03-23
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. (TN)

I am XXXX XXXX XXXX. The account that shows on my credit report is for XXXX XXXX. I have mailed Equifax, XXXX, and XXXX  a dispute to validate this information and have received the response that this information has been validated and belongs to me. They did not verify who they spoke with and how this information was validated. Below is the letter I sent to them on XX/XX/2020. 

XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days
Consumer complaint received 2019-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: 3rd Generation, Inc. (CA)

My daughter and her boyfriend got an auto loan through XXXX XXXX XXXX. The company call them over every little thing they can create. They are nor have they been late on a payment. 
The problem is whenever they call my daughter, they also call our business cell phone, which we let my daughter use for a reference only. I instructed my wife to track every time they call. Today they called and my wife instructed them to take note and never call this number again. An hour and a half layer they called again because they wanted to get ahold of my daughter and she didn't answer. 
I called the company and asked who their agent for service was. The lady ( XXXX ) had no idea what that was. I explained what it was and she put me on hold for a moment. When she got back on she said the lady 's name I want is XXXX. I asked for a last name and she refused. I asked her name and she told me her first name but refused her last name and hung up on me. 
This is unacceptable behavior and harassment and I will not tolerate it.
Consumer complaint received 2020-03-23
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: CITIBANK, N.A. (NY)

Good Afternoon, I purchased shoes in Macys in New York XXXX XXXX on XX/XX/XXXX for vacation to XXXX and then a cruise. When I got to Florida on XX/XX/XXXX, I saw the shoes the Macys associate put in my box were the same feet. So I went to the XXXX XXXX  Macys store in Florida and returned the shoes and bought new pair of the exact same shoes with the right feet. The associate took my receipt and told me I would receive a check for the refund from Macys for the shoes I bought in New York and she processed the return for the shoes. The associate gave me a new receipt from XXXX XXXX  for the second pair of shoes, which I attached the receipt to this email. I never received the refund check for the pair of shoes I returned. 

I called Macys at the XXXX XXXX in Florida where I made the return and got the right pair shoes and they said to contact Macys customer service if I dont receive in 3 Weeks. I still did not receive a check and Im out {$51.00} because I paid for the same pair of shoes twice. 
If Macys provided you with the receipt from XXXX XXXX XXXX in New York you will see I purchased the exact same item in Florida. 
Macys keeps bouncing me around. I disputed the card with Citi the merchant responded and Citi asked me for my return receipt. Despite the fact I let them know the lady took my original receipt and made the return. I only have a receipt for the pair of shoes I purchased in Florida. ( The exact same pair ). 
Citi bank reversed my credit and now I am stuck paying for the same pair of shoes twice! Citi bank needs to fix this.
Consumer complaint received 2020-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Late in XXXX, my mortgage was sold by XXXX to Flagstar Bank. Because of a lack of assistance from Flagstar to my inquiries about the transfer, I elected, on XX/XX/XXXX, to cancel my tax escrow and manage the payment of my local property taxes myself. I submitted the required " waiver '' form and followed up with a document from Flagstar which both my wife and I signed confirming our election. Since the submission of the initial waiver form, I have had essentially no communication as to the status of my submission. Consequently, I have sent emails, a hard copy letter and direct telephone discussions with Flagstar 's customer service. My written inquiries have not been responded to. My contacts with customer service representatives have generated conflicting or erroneous information. Repeatedly, I have been told that Flagstar was waiting for the receipt of my signed documents. As I had USPS Priority mail receipts, they suddenly " found '' the documents in their system. Then I was told that my waiver request had been approved and I was now responsible for paying the XX/XX/XXXX XXXX County property tax installment. I agreed and prepared to send in the payment of {$2000.00}. Now I have received a " text '' that Flagstar has paid the installment. I have repeatedly requested that Flagstar return my escrow funds, amounting to approximately {$2600.00} before the so-called payment. Nothing has happened. Then I asked Flagstar to adjust my payment to remove the escrow portion so that I can make a timely XX/XX/XXXX payment. To date nothing has happened. I have asked and been promised that someone would return my calls and give me a status. No one has called. Flagstar uses a customer phone tree that is essentially an automated barrier, forcing callers to constantly make useless selections and listen to recorded responses rather than speak to a live person. Then, if I get through to a live person, they have wrong, conflicting information. So, as of today, I have no clear, consistent idea of the status of my escrow account. I also have an XXXX payment due that is incorrect due to the continued inclusion of the escrow. Given the fact that my wife and I are retired, dealing with the intense stress of the COVID situation, the callous indifference of Flagstar is unhelpful and unnecessary. I am asking for the intervention of your agency to resolve this situation.
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

I contacted Jefferson Capitol System by phone and mail that it I could have opened an account with XXXX XXXX in the amount of {$4100.00} on XX/XX/XXXX because I had a XXXX XXXX on XX/XX/XXXX and I was not physically or mentally capable to open any account. I do have medical records to prove it. I asked them to close that immediately. They have not.
Consumer complaint received 2022-09-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (AL)

Credit Karma has sent me misleading offers about pre-approval for a car purchase. Which is not true, they have taken all my information and the alleged carvana company has denied me the pre-approval offered by credit Karma. they have made me lose time
Consumer complaint received 2020-03-23
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. (SC)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-21
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: BARCLAYS BANK DELAWARE (FL)

Dear Sir or Madam : I am a victim of identity theft due to an XXXX   credit breech. FTC identity theft report number XXXX filed on XX/XX/2020. The inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-03-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I have had 3 loans from Sallie mae/navient since the mid 2000 's. Each were taken out for XXXX. Since then I have been paying on them when I could even though they were in deferment. Once I had a career I started paying monthly plus adding extra payments while I could, this has been for over 3 years now. I still owe close to XXXX. I dont understand why my loan amount is not dropping. I have called several times over the years to see if I could get the interest rate down and ask how exactly my payments are being used to my accounts. I have not been able to lower the rates they've actually have gone higher and I recoeved no real answer to why my loan isnt really going down. Would like some help to relieve me from this huge debt and headache. 

Thank you, XXXX