davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: WELLS FARGO & COMPANY (MT)

Dear XXXX, XXXX school : XXXX XXXX, XXXX, Montana ; XXXX XX/XX/XXXX XXXX XXXX : University of XXXX XXXX XXXX XXXX ; graduating XX/XX/XXXX Unfortunately, I received my XXXX private student loans through Wells Fargo. Post graduation, the multiple loans were consolidated into XXXX loan. I worked for a few years and was able to easily make payments. However, upon attending law school, Wells Fargo informed me I would not be able to defer my payments during school. Now, I pay over {$280.00} per month for my XXXX loans. These payments are crushing. To get by, I have been forced to use credit cards as I have n't enough money to pay for necessities. I use my federal student loans from law school to pay for the Wells Fargo student loan and now all of my additional credit cards. The money always runs out at the end of the year, and I end up racking up late payments galore. If student loans were dischargeable, I would have filed bankruptcy. If my parents had not have co-signed I probably would have quit paying them, becuase I simply can not do it anymore. 
I am in the top XXXX of my class and receive excellent grades. I have a job lined up for after school. I understand the nature of secured and unsecured transactions. I understand my contract obligations. However, before law school I was less savy. Had I known about the miserable circumstance I would be in now, I never would have consolidated my loans. I definitely would never have received a loan through Wells Fargo. Wells Fargo is 100 % unwilling to help. Their customer service representatives inform me that my type of loan is one of the only types that can not be deferred. This is predatory and unfair. This loan has ruined my life. I work 30 hours a week in addition to going to XXXX in order to make these payments. I am going to work 12 hours XX/XX/XXXX so that I can hopefully catch up.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have brought XXXX in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, XXXX XXXX XXXX has blacklisted me due to an issue with Account Fraud. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, the Bank of America account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
Consumer complaint received 2022-10-07
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. (IN)

XXXX XXXX XXXX XXXX XXXX, XXXX  ( Account # XXXX ) as shown on my credit report, is reporting 2 late payments via XXXX, XXXX XXXX and Transunion ; my account is on autopay and I have not paid late. This is inaccurate, determinantal, and in violation of my consumer rights. 

I have called XXXX XXXX XXXX XXXX XXXX, XXXX ( Account # XXXX ) as shown on my credit report, and they've acknowledged and confirmed a dispute will be filled internal and sent to all major credit bureaus however, this never occurred due to fact it is still on my credit report. 

This information is currently unfairly negatively impacting my personal credit limiting my ability to leverage financial tools to grow and expand my businesses/personal endeavors.
Consumer complaint received 2022-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

After the reviewing of my Experian consumer report on XX/XX/2022. XXXX XXXX XXXX XXXX XXXX is listed as XXXX  item. With a balance of {$990.00}. I have not received any letter in the mail or phone call in validation of this debt. I reside in the State of XXXX which confirms that licensure is required to collect debt. XXXX XXXX XXXX does not have a license to conduct business in the state of XXXX.
Consumer complaint received 2022-01-25
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
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 recently reviewed my credit report and noticed fraudulent activity being reported to the credit bureaus. I asked that the items be deleted immediately as I am a victim of identity theft. I am also requesting that you stop reporting fraudulent information as I have reported the theft of my identity to the Federal Trade Commission. Please delete the fraudulent information off my report as it is reflecting poor credit history.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2019-10-03
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: STATE FARM BANK, FSB (GA)

I have been dealing with XXXX for several months regarding these fraudulent accounts and inquiries on my credit report. I talked to several people at XXXX Consumer Affairs Office such as XXXX and Ms XXXX and neither representative have removed these fraudulent accounts and inquiries from my credit report. 

XXXX negligence has caused me to not get job opportunities because they refuses to delete and remove these fraudulent accounts. I have sent several letters as well as faxes but XXXX refuses to remove accounts. 

XXXX has violated my rights by not removing and blocking these fraudulent account under FCRA within four days. XXXX is also violating my rights be reinserting fraudulent accounts back in 2014 on my credit report without notifying me within five business days. 

XXXX XXXX XXXX  XXXX representative by the name of XXXX XXXX sent me letters stating for all three major credit reporting agencies to remove these fraudulent XXXX  XXXX accounts from my credit report, but XXXX refuses to follow the law. This is why XXXX is constantly getting sued because they are refusing to obey and follow the law.
Consumer complaint received 2017-08-23
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. (CA)

I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX :XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/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 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/XXXX XXXX XXXX XXXX/XXXX/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 2022-01-25
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. (CA)

There was a fraudulent account ( secured card ) opened with XXXX without my knowledge or authorization. XXXX has refused to investigate and when they said they have they refused to provide me with any information. I have never served in the military but yet the company cant explain how an account was opened in my name. They have no physical identification of mine just my social and name someone provided to commit fraud. I have recently noticed on my credit report the different data has be adjusted several times in the last few years. XXXX adjusts the delinquency and paid dates so the debt will report longer on my report. The whole account is fraudulent and XXXX couldnt provide me with any evidence that shows I opened that account.
Consumer complaint received 2022-01-25
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC. (PA)

EXETER FINANCE You've committed " FRAUD '' It has been brought to my attention 15 usc 1692 ( a ) ( i ) you have reported my personal/private information with third party agencies with out direct consent from me the original " CREDITOR '' Pursuant to usc 1605 the finance charge is the sum of charges with insurance included Pursuant to 15 usc following 15 usc 1635 Rights of Recission I demand you remove these neagative items off of my consumer report!
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

bought phone from XXXX and got a contract ... but got a really high bill {$180.00}. and told the lady that i was not happy and wanted to go back to prepay ... then they cut me off and said i owe {$810.00}. that is crazy
Consumer complaint received 2023-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX errantly processed a {$180.00} charge even though a trial was CANCELED DURING THE TRIAL PERIOD. XXXX also confirmed the TIMELY CANCELLATION with numerous chats and E-mail messages with " We're sorry to see you go '' and other statements of CONFIRMATION ATTACHED. Capital One FRAUDULENTLY claimed to have replaced their broken link to upload all of this documentation with another link and no such replacement link was ever delivered. Capital One phone reps say one thing and Capital One 's back office does another. Capital One FRAUDULENTLY claimed to have mailed a letter asking for the documentation that Capital One failed to take online, yet no letter was ever received.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (FL)

I was offered a 0 % apr balance transfer offer online for freedom unlimited card up to credit limit. 

I was approved for a {$4500.00} balance transfer, I paid the {$220.00} balance transfer fee and received the funds. Upon checking my most recent online statement, it shows my promotion amount that is subject to the 0 % interest rate as {$1200.00} and not {$4500.00}. It also shows my interest savings payment as over $ XXXX. 

I called on XX/XX/XXXX @ XXXX EST and spoke with a gentleman ( dont remember name ) who said that it looked correct on his end internally and to just disregard. 

I called again on XX/XX/XXXX @ XXXX EST and spoke with " XXXX XXXX who also told me to disregard and that he didn't want to confuse me with banking jargon and that it was only for records purposes by using a formula of adding everyday balance and divide by cycle apr. I asked to speak with XXXX 's supervisor because I wanted an updated statement to reflect the correct amount of {$4500.00} as all my other credit card statements show with other banks. 

I was put on hold for over XXXX minutes and then transferred to supervisor : " XXXX ''. She told me that I wouldn't be subject to the interest rate unless I don't pay in full by end of promo date, which I agreed with, however she refused to correct the dollar amount of the promotional offer from {$1200.00} to {$4500.00} on my statement even after I warned that I would report them to the FTC. 

I am concerned because now I am going to be charged over % XXXX interest on {$3300.00} that was supposed to be included in my 0 % promotion they initially offered me.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

Inaccurate late payments are showing on my credit file. This has caused me tremendous XXXX. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NM)

On XX/XX/XXXX I had a balance of XXXX in my chase checking account in XXXX NM. I paid the XXXX XXXX XXXX using my debit card made a debit card purchase at XXXX XXXX of XXXX and a purchase at XXXX of XXXX. I checked my balance on my app 2 days later. My balance was negative - XXXX. I believe chase bank intentionally processed my withdrawals and credits to cause this overdraft. Please investigate. I have another account at another institution and I will close this account out in XX/XX/XXXX and pay chase anything I still owe them.
Consumer complaint received 2015-08-04
Product: Consumer Loan — Personal line of credit
Issue: Shopping for a line of credit — 
Company: Paypal Holdings, Inc (MD)

On Friday XXXX XXXX my husband and I ordered something on E-bay for {$9.00}. When we chose our credit card that we have in PayPal, which is a XXXX to pay for it, it came back and said it was denied because we needed to send updated credit card information. So we went back in to PayPal to update our credit card information, which we did, purchased the item for {$9.00} from the seller, got the confirmation from the seller that the credit card was approved and it was being shipped. We were unaware that during this process of updating our credit card we were pressing a PayPal Credit key that was authorizing PayPal Credit to give us a line of credit with PayPal Credit. When we checked our email we had not only the confirmation of the item we purchased form the seller, we had another email from PayPal Credit congratulating us that we had been approved for a {$4500.00} line of credit with PayPal Credit. To our shock and dismay we found the number, which is hard to find, called them to inquire about this and the customer service rep told us that we had authorized this line of credit when we checked the box authorizing it and entered the last four of XXXX social security number. PayPal told us that we authorized this line of credit by giving our social security number and checking the box. We never signed an agreement with them. We asked to have it disappear, like we never authorized it at all and they told us that we had to cancel it but it was still on our credit report. I questioned them saying how could it happen that quickly in two minutes and they said that 's the way they do it. I asked to speak with the customer service reps manager and she obliged, so I spoke to XXXX XXXX, I explained the situation. He told me again we had authorized it, we were not scammed, and that we could cancel it but it would still appear on our credit report. I told him that was fraudulent and I felt scammed. I told him I would be pursuing this with one of the government agencies when they opened on Monday. I have not cancelled the account because I was afraid to, that that might determine I was admitting guilt for something that I opened that I did n't open.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Continental Finance Company, LLC (SC)

This will be my 3rd complaint with CFPB against XXXX XXXX XXXX dba XXXX XXXX. Two prior attempts have been tried to resolve the issues at hand and the company continues to drag there feet and cause hardship for a cut and dry claim on the credit protection for my XXXX card. As pictured in the uploaded Continental Credit Protection Agreement Item # 7 Minimum Payment Due states The Amount due on your account as NOTED on your MONTHLY billing statement UNDER MINIMUM PAYMENT DUE. Please see last bill i have in my possession dated due XXXX XXXX XXXX Minimum amount due of {$310.00}. I have no access to newer bills with higher minimum amount due. XXXX has removed all E-Billing statements from my account at time of first complaint. Per 2 prior attempts i also sent in VIA US Mail the attached document showing my pay dates and amounts with the official South Carolina Department of Workforce Seal. They state that this is an identical one to one i sent in XXXX and are denying continuing benefits. The date clearly shows i remain unemployed as of today date XXXX/XXXX/XXXX and during the time they have requested. They still have not covered the proper amount of payments on this account. And are fighting to withhold any payment they can on the account. They need to be investigated for FRAUD.  They prematurely charged off this account. Deleted billing statements for XXXX XXXX XXXX XXXX. Showing the minimum payment in excess of credit line and that account credit protection remained in effect.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (PA)

I have one credit card with Fortiva ending in XXXX with a 34.74 % Annual Percentage Rate The Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations
Consumer complaint received 2022-11-30
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. (FL)

.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. 

Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXX Acct # XXXX Acct name : XXXX XXXX, Acct XXXX XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX, Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX XXXXXXXX, Acct # XXXX Acct name : XXXXXXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name XXXX XXXX  Acct # XXXX Acct name : XXXX CARD XXXX Acct # XXXX Acct name : XXXX, Acct # XXXX Acct name : XXXX Acct # XXXX Acct name : XXXX  XXXX, Acct # XXXX Acct name : XXXX BANK, Acct # XXXX Acct name : XXXX XXXX XXXX Acct XXXX 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 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.
Consumer complaint received 2019-09-26
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. (CA)

XX/XX/XXXX, Experian recommend I get a new XXXX credit card, my credit score was XXXX. 
XX/XX/XXXX, I get my 4th credit card from XXXX. 
XX/XX/XXXX, my XXXX XXXX drops XXXX -> XXXX. 
Reason Experian gives is new credit and change of address. 
I changed my address in XX/XX/XXXX. 
XX/XX/XXXX, canceled my paid membership of XXXX dollars a month paid to Experian to monitor credit since XXXX. 
XX/XX/XXXX, filed a dispute with Experian about a XXXX late payment issue on XX/XX/XXXX, after talking with XXXX and XXXX claimed they had no such record. 
XX/XX/XXXX, Experian drops my credit score by 17 points.

So this year my credit score has gone from XXXX -> XXXX What is going on here?