davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (VA)

On XX/XX/2021 at approximately XXXX I received a voicemail from the following phone number XXXX XXXX XXXX XXXX XXXX claiming that they are representing the department of the treasury XXXX 

This is an important message from Pioneer credit recovery Incorporated this is XXXX I'm calling on behalf of United states department of the treasury the law requires we notify you that this is a debt collection company this is up to collect a debt and any commission obtained is used for that purpose call us back today at XXXX and when calling back please reference ID XXXX once again the call back at XXXX I have searched the phone numbers for any relationship to the department of treasury but I can not find anything related to the government but I was able to match it to a debt collector XXXX : XXXX. I believe these are scammers and they are impersonating the department of treasury.
Consumer complaint received 2021-08-05
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. (TX)

Hi, Ive submitted 2 requests to please include my previous address that i lived which is XXXX XXXX XXXX XXXX. I also asked them to add the XXXX on my last name to show XXXX instead of XXXX as i attached my social security and drivers lisc for proof. I also included the other reporting agencies who have my address listed. instead they deleted addresses that i didnt ask them to delete. I have spent time and money and still Equifax does not update. They either advise they can not find my file or they delete things i didnt ask them to delete, I am currently applied for mortgage and would like to ensure my information is accurate. what i dont understand is that i got my credit report from Equifax at that same address im asking them to list but yet they dont have any records..
Consumer complaint received 2021-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC (CA)

traffic citation on XXXX in XXXX amount : XXXX euros full balance paid on XXXX account status : XXXX balance owed, closed Collection comapany : Cedars Business Services said no payments were made and attempt to collect balance of {$510.00}.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I took out a mortgage with a lender, which closed on XX/XX/XXXX of XXXX. I bought my home for roughly XXXX, and had about a 95 % debt to income ratio. This loan, rightfully so, came with Private mortgage insurance attached.

The loan was then sold to wellsfargo, who is my currently moratger, and whom I pay my monthly payments to. I am currently studying to become an mortgage loan officer, and with my recent education I learned about the homeowners protection act of XXXX, where I can submit an appraisal and if my debt to value ratio goes above 78-80 %, then by law, the mortgage company must take that new value into account and remove that PMI ( private mortgage insurance ). I have gone back and forth with wellsfargo regarding this PMI and the removal process. I got an appraisal done, the home appraised for XXXX, putting my loan to value at a 73 %! I informed wellsfargo, and they said they would not take my appraisal. It's ok, I thought, I didn't mind paying for another, as I should have ran that by them first. Then the next person I contacted to get the list of approved appraisers, said that the homeowners protection act does not go towards FHA loans. We hung up, and I thought I was defeated ... until I started reading more and more over the next few days. FHA loans do not have a PMI, they have an MIP ... I then called back to verify what type of loan I have and was informed it was indeed conventional. I asked about the homeowners protection act, and at this point was told that " in order to have your PMI removed by the homeowners protection act you have to have it in writing by HUD '' so of course thats where I was referred to HUD. HUD then next FHA ( which was weird, because again I don't have and FHA loan ), then CFPB and here we are. 

I just desperately would like some accurate information as to why I am unable to use my appraised value to remove my PMI under the homeowners protection act. I am so frustrated that no one, after months, is able to help me. 

I have paid my payment on time, since the day I took out my loan. Never missed a payment or been late. I make biweekly payments.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

I called a credit card company XXXX credit it was placed on my report for {$450.00} Ive never applied for a card with this company so I called the company and ask them to remove it they told me I didnt exist in the system yet Im on there on my credit report of called again and they gave me a phone number to contact that number was a fraudulent email address I tried to call attempted to call back and try to rectify the situation I just dont wan na be charge for something that I didnt apply for nor did I use they told me that no I dont have no information in the system and Im just trying to get this removed from my credit report
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY PREVIOUS ADDRESS INFORMATION WHICH IS TOTALLY WRONG
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

I applied for credit with Chase bank today and was denied. I filed bankruptcy in XXXX and have been working very hard rebuild my credit. I pay all my bills on time every month. I have several accounts with Chase 1 business account, 1 personal checking account, XXXX children 's accounts and a savings account. I also have my auto loan through Chase. I am applying for the credit card to further build my credit to buy a home within the next 12 months. I'm a hard working widowed mom. I am a XXXX, I own a small business and work a full time job. I am seeking a small credit line with Chase Freedom credit card to further improve and increase my credit competency. I would kindly ask chase to work with me in rebuilding and reconsider my denial I haven't had a single late payment. My credit scores range from XXXX to over XXXX
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, 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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

This letter is regarding XXXX account # XXXX, which you claim, I owe [ {$2800.00} or my account was charged off {$2800.00} ]. This is a formal notice that your claim is disputed. 
XXXX XXXX  account # XXXX, which you claim, I owe [ {$3400.00} or my account was charged off {$3400.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX XXXX account # XXXX, which you claim, I owe [ {$8900.00} or my account was charged off {$8900.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$1400.00} or my account was charged off {$1400.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX  XXXX account # XXXX, which you claim, I owe [ {$1000.00} or my account was charged off {$1000.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$2100.00} or my account was charged off {$2100.00} ]. This is a formal notice that your claim is disputed. 

XXXX/XXXX  account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 

XXXX XXXX account # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ]. This is a formal notice that your claim is disputed. 













I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry.
Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act (
including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2021, Synchrony Financial closed ALL my open accounts ( 5 ) with them, without previous notice, warning or explanation. It was a completely inadvertent action take upon my credit/store cards financed by said institution.

I must add that all my accounts were on a good stance, ranging from low ( <10 % ) to XXXX balances, as well as always having on-time payments and no issues of any kind. 

Trying to get a response or explanation as to why this happened has been unsuccessful and I have not received any letters either up until the date I am submitting this complaint.
Consumer complaint received 2021-08-05
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. (NY)

Due respect after CFPB did their investigation on my ongoing credit report with Experian I went to take out a equity loan from my property and Experian still update my report again with XXXX XXXX XXXX  XXXX which was investigated when I went in my cfpb portial it stated company close open account opened XXXX of 2017 this act I never have nothing to do with this company because of this action I have so many hard inquiry it is tasteless i can not get a head in my business this left me with my foster parenting to fail only Experian using this transaction I know nothing about to let me fail the number on this credit report XXXX is unreachableI need your help once again thank you
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached an account which is reporting inaccurately to two of my credit bureaus, per the FCRA they have to report accurate information. Please delete these from my credit bureaus due to inaccurate reporting.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I am a victim of identity theft and last year got sick during the covid outbreak when Chex systems started displaying info on my report that was inaccurate violating the fcra laws and refusing to remove the XXXX XXXX  account which is incorrectly listed.
Consumer complaint received 2021-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I have a student loan with XXXX XXXX, {$23000.00}. The loan was sold to XXXX  services with out my knowledge. I never got any correspondence from the loan transferring. The payment was then reported 60 days late to credit agencies. Loan is upto date now and set on auto pay.
Consumer complaint received 2021-08-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX at XXXX I received a phone call from them. He stated his name was XXXX and he was trying to collect a debt, I told him I am a XXXX XXXX XXXX and I don't have any money coming in, and he told me he can give me a 55 % discount if I pay it now. I again repeated to him I don't have a job I am a XXXX XXXX XXXX and I asked if this was his best call back number because my intent was to pay for it within the next few months, ( i'm cleaning up my credit ). He then tried to tell me he can spread the payments out to {$20.00} a week. I again repeated to him, I do not have a job I am a full time college student, I don't want to make a promise to pay for it right now and it makes my credit worse. He then continued, to tell me that I was being irresponsible for not paying my debt, I then proceeded to advise him again I am a XXXX XXXX XXXX I don't have any income so I can not pay for it, he then told me I haven't been a student for 5 years when this account opened. and its NONE of their business but I was in a CAR ACCIDENT shortly after this account was opened, After telling him that and telling him that I've been a student for XXXX years he then told me that I will not be getting anymore student loans if I do not pay off this debt. He also asked me " so since your a XXXX XXXX XXXX are you in school for XXXX hours a day '' I responded no I take XXXX or more classes every semester, he then told me that his daughter is a XXXX XXXX XXXX and has a job and is responsible enough to pay for her debt ...? I don't understand, he doesn't know my situation like I explained earlier when I told him I got into a car accident but again its none of his business. I could be dealing with a family deaths, COVID, I could be homeless, I could have XXXX, YOUR COMPANY DOESN'T KNOW, SO THIS HARASSMENT WAS COMPLETELY UNPROFESSIONAL. The call continued where he was just spewing all these different things to try to get me to pay for the debt, it got to the point where I asked him if he was hired to harass me because that what this call turned into. I hung up 7 minutes into the call because my husband was getting frustrated that there was a MAN harassing me on the line trying to degrade me in order to pay a debt.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have attached two accounts that are currently reporting to my 3 credit bureaus and all three of them are inaccurate, per the FCRA they have to report accurate information. I want them accounts deleted from my 3 credit bureaus. I have highlighted all the inaccuracies.
Consumer complaint received 2021-08-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (CA)

The issue I have is with my bank Wells Fargo. 

XXXX XX/XX/XXXX : I made a wire transfer for {$1400.00} using online banking. Wells Fargo fee for Wire Transfers is {$30.00}. The money was promptly deducted from my account, but the transfer amount and the fee. The transaction shows as COMPLETED _ XX/XX/XXXX : The money had not arrived at my recipient 's bank. XXXX : The XXXX XXXX XXXX XXXX  XXXX. I called Wells Fargo and asked them for any information they could provide. They recommended I FILED A FORMAL CLAIM, so I did CASE ID NUMBER XXXX. They said I would hear back from the claims department. They also provided IMAD # XXXX. I gave it to my recipient for him to inquire at his bank. 

XXXX XX/XX/XXXX : Never heard back from Wells Fargo. I called again, after a long time waiting I got now new information on the claim. Wells Fargo said Claims usually take up to 10 business days to get resolved XXXX XX/XX/XXXX : Called again and again they had no new information on the case. Only the notes from XX/XX/XXXX. Not from XX/XX/XXXX. After almost 1 hour on the phone, they gave me more numbers to see if we could track the problem with the other bank but did not offer any new information on their end. 
Confirmation Number : XXXX Transaction number : XXXX Reference number : XXXX _ XX/XX/XXXX : I was on the phone for a long time, talk to 3 different bankers all very nice, but none could give me any new information on the case after almost a month after the claim, no one had looked into it. At this point, I asked for a refund ASAP. They took note. I talked to XXXX, XXXX, and XXXX. They tell me for the first time that the recipient 's bank never got back to them. I ask my recipient to talk to his bank XXXX XX/XX/XXXX : Still nothing new in the case. Talked to XXXX from the Consumer Advocacy Ex. Service and XXXX. At this point, they tell me that they only can see that the transaction was completed on XX/XX/XXXX and they can not verify if there was a problem because

no one from the Wire Claim department has looked into it. I have a paper from my recipient 's bank stated they never got the money. I am told there is no way I can send that to Wells Fargo, that they will call to ask for more informatio
n.

They never called. 

_ XX/XX/XXXX : Called again, Talked to XXXX. No new information on the claim. They have not looked into it. Again I asked to have my money back. She said she sent an email to the wire transfer claim department directly and that they should be contacting me in few days. 

I am filing this claim and would take the steps to close my accounts with Wells Fargo.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached an account which is reporting inaccurately to two of my credit bureaus, per the FCRA they have to report accurate information. Please delete these from my credit bureaus due to inaccurate reporting.
Consumer complaint received 2021-07-29
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. (NJ)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-08-05
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: BARCLAYS BANK DELAWARE (CA)

I made a purchase on XX/XX/21 for {$94.00} to a merchant company name XXXX and the put the wrong name on the shipping label and the box was given to a person with that last name XXXX this company my the error and the credit company which is Barclays on my Wyndham Reward Card my question is why am I responsible for this company mistake so I have to pay for an item I never received my case # XXXX & the company # is XXXX XXXX XXXX I also have the print out that show the wrong name on the shipping label please help me if you can I have more facts I can fax to you to prove my point. 
Thank you