davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (CA)

Credit Card Ending in XXXX XXXX Office of the President XXXX XXXX XXXX, North Dakota, XXXX Dear Sir or Madam : I am writing to dispute fraudulent credit charges on my account on the date of XX/XX/2017 and XX/XX/2017. The amount is inaccurate because I did not authorize or make any of the credit card A.T.M. withdrawals on XX/XX/2017 and XX/XX/2017. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Of greatest concern are the following issues : 1. I received four letters declining my fraud report before I received a letter asking for a written statement. 
2. The credit card representative and fraud department could not explain the reasons for declination. One representative was confused over the acronyms used and could not explain what was happening with my account. Promises of return phone calls by XXXX did not happen. 
3. Three months went by before a fraud representative communicated that my actual debit card was used ( which is impossible since it was always in my possession in California ). Instead of investigating the situation, XXXX decided to instead decline the fraud and place the burden of proof on the consumer. 
Enclosed are copies of the fraudulent charges, information I used my debit card in XXXX XXXX on XX/XX/2017, letter my supervisor stating I was in XXXX XXXX California at work for the entire work day on XX/XX/2017 and XX/XX/2017, and a calendar of events supporting my position..
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: PNC Bank N.A. (TX)

XXXX, XXXX, XXXX and PNC Bank. 
I had a loan for this Vehicle XXXX XXXX XXXX XXXX XXXX back in XXXX during XXXX ; XXXX XXXX call me and let in me know that this Vehicle has a XXXX and is going to give back to the XXXX holder PNC Bank ; the value of this vehicle it was Over XXXX PNC Bank never contacted me about they have the Vehicle ; according with the Law ; i i have the right to receive a letter giving me the opportunity to paid off.Never happens they just put in my credit as a charge off for the full amount {$99000.00} ; remember the value of this car was over XXXX XXXX to be exact ... .where is the paperwork showing they sold at the auction by law ....! please help me ..... 



XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IN)

Attempting to utilize the service members civil relief act through my Apple Card, handled by Goldman Sachs. Applied and supplied them with the necessary documentation XXXX times with no resolve. Active duties started on XX/XX/XXXX. First attempt was made via mail on XX/XX/XXXX. Follow up on XX/XX/XXXX via phone and company said the case was closed due to not having the necessary documents. The specialist found the mailed in documents and reopened the case. I resubmitted the documentation on XX/XX/XXXX. Follow up on XX/XX/XXXX revealed that the case had once again been closed. Resubmitted documents on that date. Final follow up with documents submitted occurred on XX/XX/XXXX via email. Still no response from Goldman Sachs.
Consumer complaint received 2023-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (FL)

I am currently on XXXX. Prior to the end of the student loan  pause, I was on XXXX at {$0.00} for almost XXXX decades without problem. My servicer keeps sending relentless requests for me to pay a delinquent amount that I do not owe. They say i am XXXX days or more delinquent and owe them over $ XXXX. I have begged them to remove the delinquency and to stop requesting payment every month but they keep sending me bills. I have been begging for them to fix this for several months and yet they keep telling me I'm  delinquent and need to pay them for an XX/XX/2023 missed payment. I was on XXXX during the student loan pause and was not required to recertify but apparently was thrown off of XXXX in XXXX 2023 and placed on what appears to be the standard plan. I have sent many messages for months and all i get is boilerplate  responses. After several  months of begging them to erase the delinquency because it's an ERROR they keep trying to get payment. I have suffered from XXXX  XXXX XXXX for many years and the mental stress is causing me to have significant problems, yet they don't care. I fear that XXXX 's on-ramp will expire and my credit will be ruined all because Edfinancial could not correct their error in time. I have begged for help through a studentaid.gov complaint yet month after month this error remains and Edfinancial keeps trying to collect the $ XXXX amount from XX/XX/2023 which is an error. I just need someone to help me because after several  months NOTHING is changing and psychologically and physically I am suffering under the weight of this stress.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (AZ)

I lived at XXXX XXXX XXXX in XXXX between XXXX. I lost my position at XXXX XXXX : Wells Fargo Foreclosed on my House. Was I a VICTEM of their Practices????
Consumer complaint received 2017-04-05
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (IN)

Navient continues to say I owe a XX/XX/XXXX payment of {$560.00} that I paid. It was not due until XX/XX/XXXX, but posted on XX/XX/XXXX. The XX/XX/XXXX bill reflected a past due amount of {$550.00} with a total amount due of {$1100.00} I called the company on XX/XX/XXXX or XX/XX/XXXX and explained the payment had been made. The representative insisted I send proof to fax # XXXX. I went to the bank, where the bank manager said the check had been processed electronically, so she gave me bank proof of payment to Navient of {$560.00} which posted on XX/XX/XXXX. Then I became confused when the Navient representative said my bill group # is XXXX???? That has NEVER previously been my group number and if it has changed, why was n't I notified? I wrote the usual Account and/or Group # s as they appear on my bill and I have NEVER previously had a problem. I pay my bill promptly and regularly every month. I received a call from Navient, when I was not home on Sunday, XX/XX/XXXX. I assume that was a collection call. 
I called the company again on Monday XX/XX/XXXX, and my payment had still not been corrected and credited. Later that day, I received a letter from Navient COLLECTIONS department demanding the XX/XX/XXXX payment. I called that department at XXXX. I originally spoke with " XXXX '' but that call disconnected. I called again and spoke to " XXXX '' # XXXX who initially told me she could see where a {$560.00} payment had been made, but it had apparently been miss-applied. She then said I would have to wait until after XX/XX/XXXX to allow for the adjustment to be made. She also said she would roll back collection calls. Why could n't she just stop those calls, since even she could tell the payment had been made? She then supposedly consulted with someone else who said the correction would be made in 2-3 days. Why? I need it corrected now! I mailed the XX/XX/XXXX payment on Saturday, XX/XX/XXXX ... 4 days after the fax proof of XX/XX/XXXX payment had been sent. The correction has yet to be made. I am now afraid the XX/XX/XXXX payment could mistakenly be applied to the XX/XX/XXXX payment and now Navient will say I have not made that payment. That will then propel me into a spiral cycle of nonpayment. I have also received three emails demanding XX/XX/XXXX payment on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is harassment. I have uploaded documentation.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Company did not provide original signed documents of me agreeing to paid debt nor did they provide proof of business license allowing them to practice in my state. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (AR)

I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by Experian without my authorization of consent. These documents were sent certified mail. The tracking number confirms that Experian received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 17 days have passed and the account with XXXX XXXX, which is included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Experian is acting in noncompliance with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, & screenshot or certified mail tracking history from USPS.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

XXXX XXXXXXXX XXXX opened XX/XX/2014 is an account that was fraudulently open 8 years ago. 

Yes this is fraud, however ; this is an account older than 7 years and must be removed on that very fact alone.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This serves as one of my many grievances regarding being a victim of identity theft. I am writing to contest certain accounts listed in my file that stem from this criminal activity. The account in question has no connection to any transactions for goods, services, or money that I have authorized or made. It is entirely unfamiliar to me. Additionally, discrepancies exist in the information provided on certain accounts, as they have been removed from other bureaus, casting doubt on their accuracy. The reported payment history on some accounts is also unclear to me. I request that any information in my credit file resulting from alleged identity theft be blocked from reporting.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC (UT)

On XX/XX/2022, my son let me know that he had not paid his mortgage since XXXX. Both myself and my husband are cosigners on the loan. On XX/XX/XXXX, I paid all outstanding payments and he is now on track. UWM did not notify me or my husband in any way to let me know that there was a 30 day late or anything. There have been no emails, no letters and no phone calls. 

On XX/XX/XXXX, we looked at our credit and it is a mess. After talking to a lender, they said to call the mortgage company. On XX/XX/XXXX, I called and talked to someone who said they don't contact cosigners because they don't have their information. I have another mortgage with them and get XXXX from them in email all the time. And on the original loan documents they have my address as " borrower General Contact Information. ''
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America owes me {$160.00}. 

I had a credit balance of {$160.00} on my credit card. 
On XX/XX/XXXX I requested a check. 
Check never arrived. 
On XX/XX/XXXX I requested the credit be put back on the card. 
Credit was never put back on the card. 
On XX/XX/XXXX I again requested the credit be put back on the card. 
Same run-around. No credit on card. 
I'm fed up.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts, due to the XXXX Data Breach identity Theft. Each creditor and credit bureau is violating the 81 USC 1028 ( a ), which is aggravated Identity Theft, which I am very disgruntled about. Also, according to FCRA 605 B, this Information must be blocked immediately. Also, in pursuant of 51 USC 1681, B. The credit bureaus by law aren't allowed to furnish anything on a consumers credit report without the consumers Written Consent. XXXX, TransUnion, and XXXX, and each creditor who listed fraudulent information on my credit report is violating the law, and if this is not fixed then you al will be held {$1000.00} per violating. Please comply. The following accounts that are fraudulent are listed below : XXXX XXXX-Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Date Opened : XX/XX/XXXX ), XXXX XXXX- Account Number : XXXX ( Date Opened : XX/XX/XXXX ). Also, 1 Inquiry : XXXX ( Inquiry Date : XX/XX/XXXX ). This is my second time disputing this account information and TransUnion and each of the above creditors are in violating of the laws and if these fraudulent accounts issue on my credit report is not removed within 4 days, according to the law, then I will be taking TransUnion to court and will be filing a lawsuit.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XX/XX/24 paid {$35.00} minimum XX/XX/24 paid {$35.00} minimum for XX/XX/24 on accident but they wont allocate which Im not concerned about. However They reported my XX/XX/XXXX payment as 30 days late and I Paid XX/XX/24 {$700.00} before 30 days so how is it 30 days late. They told me if my bill is due XX/XX/XXXX and statement closes XX/XX/XXXX then if I paid XX/XX/XXXX they WILL report it 30 days late but that is in fact only 4 days past due Paid XXXX was all set till XX/XX/XXXX and I paid 14 days late so Im lost at how they report saying based off the statement date and not the due date but even then Im not 30 days late
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I want to emphasize that I did not authorize this inquiry, nor do I have any existing or previous relationship with the creditor or institution listed. As a responsible consumer, I regularly monitor my credit report and ensure that all inquiries are legitimate and authorized.
Consumer complaint received 2022-12-20
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-20
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: AMERICAN EXPRESS COMPANY (CA)

I submitted a fraud claim on charges i discovered on my american express platinum card ... At which point american express just closed the card saying i must have authorized another person even though i never did i even filed a police report regarding this problem .... They closed it it's a substantial amount of money and i need the money refunded as it's fraudulent and under Reg E i'm entitled to the due process of this.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Have tried many times to send a wire from Wells Fargo to XXXX XXXX XXXX and am being told that XXXX XXXX XXXX  does not exist. XXXX XXXX XXXX routing number of XXXX. 
Have many clients that can not wire from Wells Fargo to XXXX XXXX XXXX. 

Wells Fargo needs to update their XXXX XXXX
Consumer complaint received 2023-05-26
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: JPMORGAN CHASE & CO. (SC)

Hi, my name is XXXX XXXX I purchase a gold chain from XXXX from I return the chain because it was to small I purchase the chain on XX/XX/2023 receive XX/XX/XXXX and I requested a return on XXXX website and I took it to a XXXX  store XX/XX/XXXX I received a notice on my XXXX account that the return was completed and refund at the end of XXXX. I receive my XXXX, Chase credit card bill and it showed the chain on it so i call Chase and report that I return the chain so they ask me if I thought it was fraud so theyre cancel my credit card and send me a new one while there doing their investigation, so i receive my XXXX bill the chain was not on there, so i thought the problem was fix then I receive my XXXX bill and the chain was back on it so I called them they couldnt find a fraud problem, so they asked me if I want to dispute the charges so I wrote them a letter there send me a letter in the mail few weeks later, they couldnt find any information so I am responsible for the charge
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a voluntary report in XX/XX/XXXX. XXXX XXXX XXXX took possession and continued to report monthly late payments of 120 days past due. The last report they made for 120 days past due was XX/XX/XXXX. I have tried contesting the late payments and balance owed for the past 9 months, with negative results. On XXXX I visited my local XXXX to determine if the truck was still registered to me. It was later determined by a VIN search that XXXX XXXX XXXX Sold the truck on XXXX and registered in North Carolina. I immediately contacted XXXX Solutions and reported what I have learned. XXXX XXXX XXXX representative stated that They will continue to report late payments until I pay the balance of {$28000.00}. 
They can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I am requesting that all late payments be removed after date of repossession. Furthermore that I be reimbursed the {$5000.00} down-payment on the vehicle, due to the negative impact to my credit. It has caused me time, money, and emotional distress to try and correct the intentional and grossly inaccurate damge.