davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (PA)

Approximately XXXX 2016, fraudulent activities transpired on my accounts with Wells Fargo through automatic tellers machines ( ATMs ). Since I am unemployed and no longer in school, there are no frequent activities made by me such as deposits, withdrawals, transfers etc. On XXXX XXXX, I was notified by my mother that I received an email from Wells Fargo stating my online log-in information ( ID and password ) had been changed. On XXXX XXXX, I was again notified that Wells Fargo forwarded another email stating a HOLD was placed on my account. Upon returning home later that next week, on XXXX XXXX, I received a letter stating fraudulent checks in the amount of {$4000.00} had been deposited and charged to my account. Amazingly, this account has never ever held that amount of moneys. I could not imagine any institution paying out that amount. I was a college student and had recently graduated. I called and after being transferred several times, spoke with XXXX. I filed a claim and stated I should hear something withing 5 business days. On XXXX XXXX, I received four separate letters ; each contained a copy of a fraudulent check. On XXXX XXXX, I forwarded a follow-up letter to Wells Fargo stating to close the account immediately ; not to wait for the scheduled closing of XXXX XXXX. I telephoned on XXXX XXXX, again transferred numerous times. Finally connected to XXXX of Loss Prevention. I had to summarize the situation. I asked did she see the communication with XXXX. She replied 'no '. Upon asking the status of the account, she responded, " The amount of {$4000.00} has been recovered. There is a negative balance of {$2.00}. There was a physical withdrawal in the amount of {$300.00} that needs to be satisfied and you as the account holder is responsible. '' It was then that I stated, " why? '' She emphatically stated that " you had to give your card and PIN to someone. '' No, I did not. XXXX ( Wells Fargo Rep ) refuted my " no ''. My mother listening informed her that she was giving out fraudulent information ; bank cards are skimmed every day. Apparently, that was the case. I had been 'skimmed '. I research information and Identity Theft Expert, XXXX XXXX proved it to be the case and recommended that customers access ATMs at banks only. Again, I informed XXXX from XXXX XXXX that on XXXX XXXX and XXXX XXXX, I received two emails and Wells Fargo should have been aware that my account had been compromised. The history on the account had never showed frequent deposits of any sort.
Consumer complaint received 2022-07-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC (FL)

My previous complaint # XXXX, was responded to as if they didn't know what my complaint was about, but I had complained to them twice before. They even indicated that they were unable to contact me. I failed to answer the phone because a voice mail message indicated it was the same person I had discussed the issue with before and I already knew his boiler plate response, " they did nothing wrong ''. In my complaint I failed to articulate my complaint as well as I should have. See letter to Credit Reporting agencies for better explanation. They simple told you that the item I had complained about was not on their credit reports and even provided new current reports, see attachments. However, they were aware, I had complained their service provided, '' Doing business as XXXX XXXX '', had listed my previous loan as late on six ( 6 ) occasions, which is simply erroneous reporting that I had requested they correct but they refused. As of yesterday, XX/XX/2022, XXXX XXXX, XXXXeterans United, are still falsely reporting my payment history.
Consumer complaint received 2023-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022
Consumer complaint received 2022-04-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX / {$62.00} / XX/XX/2022
Consumer complaint received 2022-04-20
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX  / {$62.00} / XX/XX/2022
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

My debit card was stolen. Within 24 hours the thief hit XXXX ATMs, a gas station and an expensive restaurant. Bank of America has denied the claim saying the thief had the pin and suggested that I had given it to someone, which I had not. Then BOFA said the thief did n't keep checking the balance like most thiefs would (? ) suggesting I did it? They wont even check camera activity. They refuse to provide me access to any investigator, any consistent single contact ( just a customer service associate always from some other city and state ) by first name only. I have written them ( to a fax number ). They wo n't give me any supervisor name or manager name to talk to. When I go into a branch office of BOFA, all they do is pick up the phone and call the fraud department, explain that I am sitting there asking about the claim and then they accept their measly answer of its being investigated or now, the claim has been denied. I am at wits end. Can you please help me? This was a lot of money and it was the only money I had. Now I am in dire financial straits and I am struggling. I am borrowing small amounts of money to get by on to supplement my XXXX income now until I can begin to recover from this somehow, someway. Please, how else can I get BOFA to right this wrong?
Consumer complaint received 2022-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Delete the following from my account immediately. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In 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. Equifax has violated my rights.

15 U SC 1681 section 602A 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 oth
er adverse item of information, other than records of convictions of crimes which antedates the report by more than several years.

15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating toa consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TX)

Been paying on time for years, had to move to monthly payments, when lost job and lowered monthly payments, got job in XXXX XXXX, moved, barely missed payment deadline, started receiving plentiful and aggressive phone calls where they didn't listen to a word you said and kept pushing. ( It was lunch break, at the XXXX, told them that I don't verify information to cold calls an that I would call them back, or pay online, completely ignored me and kept pushing for my personal information. I was current about a few hours later, but I was still receiving calls in the interim. ) This is terrible harassment, to a customer who has been paying faithfully. I am disgusted that I was treated so aggressively. This company is a Government entity and should know better by now. 

Get this company in line with practices that are good for the public. The government, banks, and education systems made this a problem. The LEAST they can do is not be awful about it and treat people with respect.
Consumer complaint received 2016-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I OBTAINED A LOAN IN XX/XX/XXXX FOR MY DAUGHTER AT XXXX, THE STUDENT LOAN HAS BEEN ON DEFERRED STATUS SINCE THAT TIME AND WAS THROUGH XXXX. REPAYMENT IS NOW START TO BEGIN ON XX/XX/XXXX. THE LOAN HAS BEEN SOLD TO NAVIENT. NAVIENT IS TRYING TO COLLECT A LATE FEE THAT THEY SAY WAS CHARGED BY XXXX. THERE IS LEGALLY NO LATE FEE DUE AS THIS LOAN HAS BEEN ON A CONSTANT DEFERRED STATUS UNTIL NEXT YEAR. NAVIENT IS TRYING TO COLLECT A FEE THAT THEY SAY XXXX ASSESSED AND NAVIENT WILL NOT REVERSE THE {$12.00} AND WANTS ME TO PAY IT. I AM NOT LEGALLY RESPONSIBLE FOR THIS FEE AND NAVIENT IS ILLEGALLY TRYING TO COLLECT A FEE I AM NOT LEGALLY RESPONSBILE FOR. THEY HANG UP ON ME ( SUPERVISOR XXXX HAS ) AND WILL NOT ISSUE A CREDIT ON THE ACCOUNT FOR THE {$12.00} FEE.
Consumer complaint received 2016-09-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America has made false and or erroneous claims of a pattern of late payments alleging that all my accounts are late. In a letter I received on XX/XX/XXXX Bank of America said they closed my Bank of America Visa account which was paid off. Record will show that we maintained an excellent credit rating up until XX/XX/XXXX. The issue is not with all other accounts it is with XXXX account Bank of America Home Equity line of credit. XX/XX/XXXX I received a letter from Bank of America informing me that my Home Equity line of credit will change from interest only ( approx. {$370.00} per month ) payment to principle and interest only ( Approx. {$780.00} per month ). I reached out to Bank of America and applied several time for a home loan modification but was rejected because I was current on all my accounts. I have on several occasions requested that Bank of America extend my interest only payments until the value of the home increases which will allow us to refinance our home to reduce our monthly payments. Earlier this year we tried to refinance our home through Bank of America but was turned down because there was not enough value in our home. My First mortgage is current along with all my other accounts. We have continued to make our monthly payment on the B of A Home Equity Line of Credit at the same payment of the interest only amount. Bank of America has turned us down for four home loan modifications. Bank of America customer service staff has threaten to begin foreclosure procedures if the payment are not brought current. I strongly feel that Bank of America is dealing unfairly in their home loan resolutions.
Consumer complaint received 2024-05-07
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. (TN)

This is now my 3rd time submitting a complaint about Equifax and still no resolution to this problem. I am getting so tired of being screwed by Equifax and damaging my consumer rights. When I log into my Equifax dot com credit profile, they show absolutely nothing. No personal information, no creditors, no revolving accounts, NOTHING. No new creditors can access my Equifax credit history at all. This is getting ridiculous that I have to complain a 3rd time now through CFPB. Clearly nothing ever gets resolved. I am going to get my lawyer involved and create a law suit that will be issued to Equifax because they are damaging my consumer rights and ability to obtain any credit. Get ready for a law suit Equifax because you are breaking Federal consumer laws over and over and over.
Consumer complaint received 2022-04-20
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

Affirm is reporting an incorrect negative item on my XXXX credit report. 

I opened a loan on XX/XX/21 with Affirm after purchasing a product from XXXX XXXX, and choosing affirm for the payment. I selected autopay, and linked my bank account for payment. I was informed by XXXX around 60 days later that Affirm has reported a negative item to my credit. I checked my credit report and affirm reported that i never made my first payment. I reached out to Affirm who stated I never configured autopay that day for that item. 

I have reached out to Affirm for months, trying to resolve the issue. I have been asked for supporting documentation to prove i configured autopay, but I never even received a single email from Affirm that day confirming my selection of Affirm for payment, nevertheless confirming autopay was selected. Even Affirm agrees I selected Affirm as a payment method that day, even though they did not send an email confirming that either. I remember the day i ordered the product very clearly as I ordered it while on a break at my job, and my friend who convinced me to buy the rice cooker, since they have used it and highly recommended it, was sitting with me as i placed the order. 

I have not had a single late payment in 9 years on 11 credit cards and installment accounts. I have disputed this many times through XXXX and Affirm. This experience has been a living nightmare. Being laughed at and mocked by their staff on the phone, as I am powerless to prove what really occurred.

16 years ago, I was XXXX  and lived behind my friends house in my car. I worked at a XXXX XXXX XXXX to save up for a deposit to rent an apartment, got a better paying job in a mall, and stretched every penny, saving every cent to achieve my dream of opening a gardening business one day. I take my credit very seriously after screwing it up when I was young, and i never missed a single payment in nearly a decade. I now have officially postponed attempting to open my small business as planned as a result of my credit being impacted by Affirms mistake. 

I can not provide proof that i configured autopay that day, as they never sent me an email even confirming that affirm was chosen as my payment method for the XXXX XXXX which is clear from my account being opened with them that day on my account page.

I am begging for help, i worked so hard to repair my credit only to be the victim of Affirms mistake. Please help.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LJ Ross Associates (PA)

L.J ROSS ASSOCIATION VIOLATED 15 USC 1692g -VALIDATION OF DEBT L.J ROSS ASSOC . VIOLATED 15 USC 1693o-1-Remittance of Transfers ( A ) 15 USC 1692 ( 1 ) L. J ROSS iS a3rd party debt collection agency attempting to collect a debt in which they did not administer violating FCRA AND TRUTH IN LENDING REGULATION Z. CFPB Has aready sued XXXX for reporting fraudulent information to consumers credit profiles.
Consumer complaint received 2021-10-18
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: Atlanticus Services Corporation (GA)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX/FORTIVA Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-20
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -DEPT OF ED XX/XX/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 XXXXXXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Collection : XXXX Account # XXXX {$11000.00} Delete the account immediately because I was never given any contract ( or proof ) that this is my account. And I have never had any account or services from XXXX or XXXX XXXX XXXX. Furthermore, XXXX allowed XXXX to re-report a closed account as an OPEN ACCOUNT. Finally XXXX reports Date Opened XX/XX/XXXX Equifax reports XXXX as a CLOSED ACCOUNT. XXXX report deletion on XX/XX/XXXX Delete Account!