davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo is committing fraud against me. I currently have a CFPB complaint against Wells Fargo ( ID # XXXX ), in which I reported violations they have made against me. However, since this complaint initiated, Wells Fargo has proceeded to create additional accounts without my consent to continue their attempts to collect an alleged debt. Proof of such claim is attached to this new complaint, and you can also verify this by comparing all the information provided in the still pending complaint I have against Wells Fargo. This is completely unlawful and abusive. Wells Fargo is breaking the law pursuant to the Fair Debt Collections Practices Act ( FDCPA ). I demand and direct Wells Fargo to close all credit card accounts they have opened with my name to be closed immediately. Wells Fargo is still liable for all statutory damages that I have endured ( refer to initial CFPB complaint ID stated herein ). Therefore, I now further demand Wells Fargo to stop their fraudulent acts and to compensate me for all individual actions and trespassing against me.
Consumer complaint received 2019-07-30
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. (IL)

my identity was compromised. i disputed matters several times with the cb and they only reply verified or accurate. i advised them about my situation, i have proof of letters sent out with items that should be removed. they refused to obey by the law with providing me with validation that obligates me to the items as mines.. i provided my police report etc..
Consumer complaint received 2021-09-25
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. (OH)

On XX/XX/2021 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. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (MD)

J. P. Morgan ( Chase ) failed to provide me with a notice of debt. Within five days after the initial communication with me in connection to collect any alleged debt. I sent J. P. Morgan ( Chase ) a Debt Validation Letter on XX/XX/XXXX. I did not receive any communication from J. P. Morgan ( Chase ) confirming my alleged debt of {$8400.00}. Nor did I receive notice of right to dispute from J. P. Morgan ( Chase ). I have asked J. P. Morgan ( Chase ) to bring forth any original contracts bearing my original signature and they have not been able to do so. On. XX/XX/XXXX, J. P. Morgan ( Chase ) closed the account without my consent. When I called J. P. Morgan ( Chase ) to ask why the account was closed they forced me to join their in-house collections program for five-years to pay off the alleged debt. I also did not give J. P. Morgan ( Chase ) consent to communicate with third parties in the collection of debt nor did I give JP Morgan permission to share my information with XXXX, XXXX  and XXXX  on this alleged debt. This is an alleged debt that is furnished on my credit report which means youre stating that I owe this debt. This is not my debt you do not have the right to publish anything on my credit report without my consent. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. I am demanding that you remove these alleged transactions from my report immediately as they are violation of my rights as a federally protected consumer under title 15 chapter 41. J. P. Morgan ( Chase ) has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and verification of my identity before entering into a contract ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from XXXX before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (VA)

Overtime this is happened several times with Wells Fargo Bank. I get an alert that my account is negative I go in and make a transfer during the day which would cause the account to come to a positive balance at the ending closing available balance to be positive but then I will still get a fee. I have discussed this with them several times the recent transactions was on XXXX the XXXX 2018. It seems like they're not showing a true available balance things that are pending are not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it it seems like they're not showing a true available balance things that are pending on not a part of the available balance therefore if it says it is negative {$79.00} and you transfer {$100.00} to cover it they will still charge you fees based on pending items that were not told be not a part of that negative balance. Also even if you do cover it and it was apart of the negative balance and you've over covered it by having a positive balance at the end ending balance they will still charge you a fee because at some point the account was negative during the day but your clothing balance was not negative it was positive and you can see it in the system they won't return your fees based on their error. Even after I spoke to a representative and they could clearly see that I had made the account positive as a closing balance so there should be no way I would have a fee on Bill pays cuz I transferred money to cover it they still would not return the {$70.00} worth of fees which would now begin another set of fees on other items that I have sent through my account.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

There is a delinquent account in the amount of {$280.00}, that is being reported since XX/XX/2015 by XXXX XXXX XXXX XXXX, to ChexSystems. I immediately contacted ChexSystems to dispute the amount being reported once I was made aware of the negative impact on checking profile. I did not remember owing any amount to XXXX XXXX XXXX so I filed the dispute and waited a little over 30 days for my updated results. To my surprise, the account was not removed but I was advised to contact XXXX   XXXX XXXX for further information. Well, I contacted XXXX right away and spoke to many different associates, who all provided me with basically the same information. I was told that my account was archived and no information besides the fact that most of the fees were because numerous overdrafts fees were accessed to my account due to a {$9.00} balance. I was told they could not find any information on why I was being charged {$9.00} dollars but that the overdraft fees were valid and would have to be paid in full to remove this account from my profile. I do not understand how {$9.00} can result in someone being charged {$280.00}. This company can not and has not provided me with any documents stating the breakdown of the charges yet they continue to report the debt is valid. Please assist me with holding this company accountable and stop them from taking advantage of low-income individuals.
Consumer complaint received 2019-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

My XXXX  grant was wrongly converted to a loan within months of graduation from a XXXX prep program. As a result I have finally received notice that I am eligible for reconsideration. I contacted FedLoan servicing immediately on XX/XX/2019. Same day I received the notice. Fedloan Servicing took almost three months to simply certify that I was eligible for reconsideration. Gave me completely inaccurate timelines each step of the way. They finally certified that I was eligible, certified that I had fulfilled my service obligation, and that they full {$4000.00} balance of my grant was due back to me plus interest paid since it was converted. It is now nearly XXXX and almost seven months later Fedloan servicing has not returned my money or followed through on a timeline to complete the process. Meanwhile they have consistently indicated that they do not have accurate documentation of my loans, calling into question the legitimacy of all other documentation. They have told me that my loan was being " rebuilt '' ... for that last seven months ... because it was processed by another servicer. At no point did they tell me who that was. Because my loans have always been serviced by Fedloan Servicing. At one point someone in their public relations department told me that my loan was serviced by XXXX. I have no knowledge of this ever happening, and XXXX does not either. At this point I need to secure my {$4000.00} plus interest in a timely manner. After nearly 40 calls to their customer support lines this is still unresolved and there is no clear timeline from them. I would like to consider legal action for the balance due back to me, as well as the time spent attempting to obtain it, plus interest. I would also like to audit all other documentation from them to verify whether it is accurate and whether they owe me back any additional money. My full student loan balances are paid off, so this is money due directly back to me. Your consultation is greatly appreciated.
Consumer complaint received 2019-07-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ClearOne Advantage, LLC (GA)

In the date XX/XX/2019 I put some information in the credit CLEARONE like name, telephone number and fisical address to get a estimate to pay my credit debit but they use those information whitout my social security number and my permission to get a hard inquiry from my credit
Consumer complaint received 2018-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Skrill USA, Inc. (DE)

I am XXXX XXXX XXXX. 
I opened an online account with skrill using the website www.skrill.com I got XXXX $ in my wallet and I can't withdraw the money as they won't let me withdraw it or transfer it ... They made me go through the verification process and after doing this they won't still let me have access to the money and skrill got lots of persons complaining about there service on XXXX XXXX ... They are scammers and don't have customer care service that replies or attends to customers.. 
Here is the Emails I used in signing up with skrill .... 
XXXX XXXX. 
I have verified my documents and I got an email that I have been verified but they won't let me access my money on the site and it shows verification pending on the site
Consumer complaint received 2021-06-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: General Motors Financial Company, Inc. (MT)

americredit XXXX XXXX XXXX dba gm financial ( creditor ) we filed bankrupty on XXXX XXXX 2019 in united states court for district of montana chapter XXXX we have a XXXX XXXX XXXX  that was part of the bankruptzynow gm financial is is trying to get an immediate stay and are seeking XXXX its case number XXXX. we received court papers in the mail from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX sXXXX XXXX XXXX XXXX XXXX XXXX montana XXXX XXXX XXXX we have contacted are attorney we have 14 days to respond
Consumer complaint received 2019-10-05
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 pulled my Equifax credit report today XX/XX/19 at XXXX XXXX XXXX   and my mortgage account information is not up to date. It reflects the last payment as of XX/XX/2019. Equifax has consistently reported inaccurate mortgage information. Plus there is still another investigation that still has not been resolved from XX/XX/2019
Consumer complaint received 2018-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NY)

Homepoint is unfairly charging me {$130.00} for forced placed insurance coverage. On XX/XX/XXXX I mailed a copy of the my XXXX renewal to Home Point. On XX/XX/XXXX I received a letter requesting proof of coverage. I uploaded and faxed proof on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying wind coverage is required. ( XXXXXXXX XXXX, who sold the loan to Homepoint, did not require wind coverage ). I purchased new coverage including wind effective XX/XX/XXXX. 

I complied with Homepoint 's request within 24 hours I will not pay for forced placed coverage as the delay was on the part of Home Point Mortgage. Had Homepoint notified me in a timely manner there would be no issue.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

Many concerns : A collection company representing First Porgress XXXX XXXX XXXX keep calling me with information that an account ( XXXX ) were open in my maiden name ( XXXX ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

XXXX XXXX XXXX representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called XXXX men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
Consumer complaint received 2022-02-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

The lender has consistently applied every additional principal payment that I have made into suspense instead of applying it to the principal. This has happened several times over, and if I failed to check, and called in, every time, I would have never know.
Consumer complaint received 2022-02-22
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: Kikoff Inc. (NY)

Kikoff Lending LLC is reporting a fraud account on my credit. I didnt open this account nor did I authorize anyone to do so on my behalf. I learned of this account when my credit rating dropped as there was a late payment. I reached outto Kikoff lending via email requesting the removal and closure of this account. This account is not mine. Please see the attached FTC report and my Driver license
Consumer complaint received 2019-10-05
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. (TX)

Have been back and forth with your company regarding XXXX XXXX. This account is a result of identity theft and does not belong to me. Have also contacted XXXX XXXX and the credit can not validate this account so how in the heck are you verifying it. Not only that after I informed you that was a result of identity theft it should have been blocked and an investigation taken place yet that was not done either so you have not followed the law. XXXX XXXX has no contract bearing my signature no can provide proof of a valid driver license that was issued to open this alleged account. Please remove from my credit file immediately.
Consumer complaint received 2019-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The following companies ran unauthorized credit inquiry on my credit report. These are suspicious to me and needs to be deleted asap. 

XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX
Consumer complaint received 2018-08-16
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: SYNCHRONY FINANCIAL (TX)

Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Perfection Collection (NY)

Perfection collection is reporting that I owe money on something which I never purchased ... .it is clearly fraud as when I contact them to get information or proof of what I signed they tried to bait me into getting my personal details and refuse to provide any information where I signed or initiated the debt in question.
Consumer complaint received 2021-06-12
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. (SC)

I've been sending letters to Equifax since XXXX of 2020 in regards to accounts on my credit I feel were being reported inaccurately. These accounts I still haven't received a response on. 
Three Accounts with no creditor listed- how can this possibly be verified when I don't know who this account belongs to. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are still being reported inaccurately on my credit report and I haven't heard back form Equifax after requesting the investigate these accounts and provide verification.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (TX)

I completed a loan with GreenSky to add solar panels to my home. The vendor, Texas XXXX XXXX, told me that the solar panels would cut my electrical cost a the lest in half and in some months I would receive no bill. The owner of the company was my sales person, XXXX XXXX XXXX. I have the emails back and forth showing he was making by payments for the first 3 months due to this problem. The panels are still now working and he will not return my calls, emails, or text. I spoke with him using a different cell phone number and he promised to send someone to fix the problem. Once this did not happen I stopped paying the GreenSky bill due to finically not being able to do so. I reported the problem with the vendor to greensky and have been told this case is closed that they will not look into this any longer. I was told that the vendor assured them all was in working order and I assured them it was not working as I was told they were. The only calls I have received from GreenSky is debt collectors threating me about paying my bills and not attempted to help another possible victim of Texas XXXX XXXX or XXXX XXXX XXXX. The amount of my loan was {$25000.00}. This was based on a payment I would be able to afford and system that could perform.
Consumer complaint received 2019-07-30
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. (IL)

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page 14 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however, XXXX and Transunion have not removed this from my credit report. I have contacted the bureau to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.