davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-01
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: JPMORGAN CHASE & CO. (GA)

It has been brought to my attention that Chase has CONTINUED to engage in violating all my consumer rights to the point where it has gotten out of hand. I have undergone NUMEROUS encounters with Chase at this point. I AM REQUESTING THAT CHASE SEND ME MY public and private accounting records in accordance with GAAP, and all other account records. BILLING STATEMENTS AND LETTERS ARE NOT DOCUMENTARY EVIDENCE AND ARE CONSIDERED FRAUDULENT DOCUMENTATION! AS A CONSUMER PER THE LAW WHAT YOU ALL DOING IS DEAD RIGHT FRAUD! I am giving you TEN DAYS TO send me all DOCUMENTARY EVIDENCE WHICH INCLUDES MY PUBLIC AND PRIVATE ACCOUNTING RECORDS OR I WILL SUBMIT IN THE FOLLOWING WHISTLEBLOWER FORMS TO THE IRS due to TAX FRAUD! Furthermore, YOU ALL CONSTANTLY HAVE HARASSED AND ABUSED ME BY CONTINUOUS CALLING MY PHONE. PER THE LAW, THIS IS A VIOLATION! Per the FDCPA, it is a {$1000.00} fine per violation! 

PLEASE REVIEW THE ATTACHED WHISTLEBLOWER FORMS! I AM KEEPING ALL DOCUMENTATION AND RECORDING ALL EVIDENCE TO BUILD UP MY CASE FOR LITIGATION! 

THIS IS EASILY CONSIDERED A RACKETEERING CASE WHICH RESULTS UP TO IMPRISONMENT FOR 20 YEARS! 

DO NOT SEND ANY MORE STATEMENTS OR LETTERS, SEND ME MY PRIVATE AND PUBLIC ACCOUNTING RECORDS OR BLOCK, REMOVE, AND DELETE THIS ACCOUNT! 

ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX several times concerning the situation. Bankruptcy does not report to the credit bureaus. Then they tell me to contact XXXX myself. I did contact them, and XXXX said XXXX has to remove the information. It is still showing on the consumer website and reports. Even sent mail to XXXX, and XXXX personal. Then when I call today to talk to someone form XXXX XXXX XXXX XXXX XXXX, they hung up on me it was a lady that work for them. They dont try to fix the problem at all. Even Experian and XXXX says the same thing it is XXXX not doing anything. Experian person says no response from them.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (NM)

Without my knowledge or consent, Wells Fargo Rewards program redeemed over XXXX points that I had been saving since XXXX just as we were going to use them to take 4 members of the family on a trip. This occurred on XX/XX/XXXX. They had redeemed XXXX points on XX/XX/XXXX. That last one I had agreed to. That is, I agreed that a maximum of XXXX points ( and no more ) could be redeemed if I was about to lose them on a particular month. But I would never have agreed to the entire account would be redeemed, especially since we were about to use those points. 
I tried many times to have my hard-earned points reinstated without success. Someone in the XXXX took all my calls. Their English skills were almost unintelligible, so I asked for a supervisor and was told there was none. I have called many times to local, State, and national Wells Fargo offices and they have either hung up ( often after keeping me waiting 20 to 40 minutes ) or sent me to another robot. 
Wells Fargo has sent me papers indicating we could settle this via arbitration. I don't trust them. They have screwed us ( my wife and I and daughter ) several times before with their greedy and unlawful practices. My wife and daughter will no longer deal with them. A simple request from a decades-long customer to simply restore our points is dragging on. Can you help?
Consumer complaint received 2023-07-03
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2023-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

I am under a Public Service Student Loan Forgiveness program with MOHELA. As of last week I have 99 qualifying payments with my current employer, XXXX XXXX. On XX/XX/2023 I submitted IRS W2 Wage and Tax Transcripts for years XXXX proving 24 months of previous qualifying employment. As my former employer is no longer in business, I sent MOHELA W2 documentation from the IRS, but MOHELA is not counting the W2 transcript towards my loan forgiveness. The two years provided would have me above the 120 payments required for forgiveness. 

I have multiple correspondences via message on their site and phone calls. I attempted to ask why they would not accept the IRS documentation multiple times ( most recently XXXX and XXXX ) and received this response : " We apologize for any inconvenience. If youre unable to obtain a signature from an employer for your XXXX XXXX XXXX XXXX ( XXXX ) application, you must check mark the box on the bottom of page XXXX that indicates that you can not obtain verification. Once that box is checked, your employer will not need to fill out section 4 on page 2 of the application. However, in place of the signatures in section 4, you must submit both W-2s and paystubs along with the PSLF application. '' " If youre unable to provide both W-2s and paystubs, we can accept either the W-2 form ( s ) for each calendar year or paystubs/deposit records for each month of employment. Please note the IRS Form 1040 or tax transcripts that dont include W-2 information are not acceptable proofs of employment. '' " If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday 7 a.m. to 8 p.m., Tuesday and Wednesday 7 a.m. to 7 p.m., Thursday and Friday 7 a.m. to 5 p.m. CT. '' Thank you, MOHELA '' It has been 6 days since I pointed out that the form I sent has the W2 information on it ( not a 1040 ) directly from the IRS and I have no response from them. I am currently awaiting more transcripts from the IRS for my previous employer for the years XXXX. 

I fully respect and appreciate the PSLF program, but I feel it is unnecessary to be punished to pay more just because my previous employer doesn't exist and can't sign off on my employment. Thank you for your consideration.
Consumer complaint received 2024-10-08
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUIST FINANCIAL CORPORATION (NC)

I called SUNTRUST last XX/XX/XXXX, and they said that they called the phone number on file, which was also part of thier investigation, and they suspect that it's fraudulent since no one answered. Moreover, the investigation is still ongoing, and I provided them with my phone number in case they call back. 

I called the bureaus the same day, and they said that they couldn't provide any details on the account unless we had the account number. They advised me to call the creditor to get more information regarding this. I called SunTrust but was directed to Truist Bank. I wasn't authenticated because they would like to know the year, make, and model of the car or the credit limit from the trust bank. But they said that Suntrust does not exist anymore because it is now part of Truist Bank. 

I called Truist/Suntrust Bank again last XX/XX/XXXX and provided the account number showing on the pulled report last XX/XX/XXXX I gave the number to Truist Bank , and they confirmed that this is now part of Truist Bank . This was closed in XX/XX/XXXX. 

They reviewed the account, and thier is a notation that it was reported way back in XXXX that it was fraudulent, which is why the account has been purged or closed. They will file an ID Theft form on thier end. They will also dispute it to the bureaus directly to remove the account, and Truist Bank will be the one to communicate with the bureaus to remove it. An investigator will contact me if additional info is needed. If not, they will send a letter of confirmation for the ID theft result. 

However, I didn't receive a letter, so I called to get an update ; they advised me that the case had been closed and that they couldn't delete it from the credit report even though it was fraudulent.
Consumer complaint received 2023-07-03
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. (CA)

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX  XXXX : {$11000.00}
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (GA)

I have been made aware that Barclays Bank Delaware continues to violate my consumer rights excessively! I have had multiple encounters with Barclays and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation! I did not give my consent or authorize them to furnish my nonpublic personal information! This behavior constitutes dead-right fraud and violates consumer protection laws. Barclays Bank Delaware has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous CALLS, EMAILS ETC constitutes HARASSMENT AND ABUSE, which is also a violation of the law. Per the FDCPA, it is a {$1000.00} fee per violation! Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 


Account Number : XXXX
Consumer complaint received 2023-05-02
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Consumer complaint received 2023-05-09
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)

I've sent you this complaint to let you know that I was a victim of identity theft. I did some research on how to get rid of the bogus stuff in my report and discovered that I needed to make a report with the Federal Trade Commission by going to https : //www.ftc.gov. Credit reporting agencies are required to erase or block any things reported on an identity theft report under FCRA section 605b. Please refer to the ATTACHED materials to help stop false information from being put to my report. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXXXXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; CXXXX 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 2023-05-01
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: DISCOVER BANK (FL)

I have accounts appearing on my credit report that do not belong to me and after multiple requests to remove or provide information, I have not received any resolution. I am a victim of identity theft & this is a result of this. 

Discover BankXXXX Opened XX/XX/XXXX. Balance is currently {$840.00} and has went into charge off status. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$460.00}. 

XXXX XXXX XXXX ( collection agency for original creditor : XXXX XXXX ) - Opened XX/XX/XXXX and is reporting as a collection with a balance of {$1000.00}. 

I was added as a authorized user on a XXXX XXXX XXXX account which I never authorized my being added to this account and apparently the account holder has a unpaid balance effecting me. I requested to be removed from this account on multiple occasions and my requests have been ignored. The balance is in the amount of {$1100.00}. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX has never had a late payment and needs corrected to reflect this on my credit reports. 

XXXX XXXX has never had any late payments and needs to be corrected to reflect this on my credit reports.
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have met with CHASE representatives in person and over the phone since XX/XX/2022 requesting their leadership with a check for {$6800.00} made out to the XXXX XXXX XXXXXXXX stolen in the mail, falsely endorsed and then cashed by XXXX XXXX who clearly has such poor security protocols in place. Following hours and hours of meetings and communication for the last NINE MONTHS, along with CHASE representatives telling me over and over that I need to give this issue a little time, meaning XXXX days, and being told that CHASE is my representative in solving this issue, I receive without any warning a notification by email and dropped into my portal stating that MY bank has been unable to recover the funds and work with XXXX XXXX to resolve this they have given up and just closed the case. Insulting and unacceptable. 

In calling CHASE, I was told that it is due to a " law '' -- what type of law would not protect consumers and just allow banks to be incompetent, not solve the core problem, and ultimately, allow their customer to be left with few solutions. I should note that I have sent this issue to XXXX XXXX in XX/XX/2022 with no resolution and with no courtesy of a long standing customer receiving the provisional credit while the two banks sort out their issues and ultimately weak systems. This is disgraceful. The impact of this level of incompetencies on regular hardworking families is beyond reason. Please make both of these banks do the right thing.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

on XX/XX/XXXX, I got an email from wells fargo about a transaction through XXXX  for {$330.00}. I did not make this transaction whatsoever and called my bank the moment I had the chance. 

I reported it for fraud and went through the process of making a new account password and username, as well as a new checking account where all of my leftover funds and pending tractions were put. Today, XX/XX/XXXX, I received a letter in the mail saying that my claim had been rejected as their research concluded that the transaction was authorized by me or someone else with my authority. 

I plan on calling regarding the documents that led to this decision but I have no clue to what to do. I did not authorize this XXXX  transaction whatsoever, the point of fraud is that someone is using your information without you knowing, is it not?
Consumer complaint received 2023-05-09
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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
Consumer complaint received 2023-03-22
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. (MO)

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. 
XXXXXXXX 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 XXXXXXXX XX/XX/XXXX, XXXX 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.