davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (AZ)

I have registered and created a profile with Google Pay. This includes personal information, company addresses, EIN ( s ) and account numbers. I am using and have used the service to receive and return rent payments as well as return tenant deposits. Recently, I have been repeatedly forced to contact Google Pay to ensure payments are processed. Despite being an electronic service, Google is implementing unrealistic transit times or not providing any expected process times with pending being a message for extended periods of time. The service is riddled with dead end customer service processes, sending the customer back to the beginning without a mechanism to solve the problem. If the customer desires to speak to a human, they are forced to deal with outsourced call centers in the XXXX, who provide zero service and have no answers to most questions. The same is true of using the chat function. American sounding names are used such as XXXX, when in fact they are not American. This is a misleading process as Google advertises American phone numbers in XXXX XXXX, CA. Nowhere is this deceptive practice disclosed in a way the average person can access. Only when queried do the contractors confess they are not Americans nor located in the US, let alone California. Some of these foreign contractors have quoted a sophisticated algorithm when telling me why my transfer, from American to American inside the domestic US banking system, is being held up. To my knowledge, money laundering laws are very clear about what constitutes a transgression, and rental payments, while often four digits in vs, use, do not constitute a money laundering event. Google Pay should either create a process that works in a defined timeline, with a process for speaking to an American with the ability to proved service, or exit this business and stop the false advertising that leads consumers to believe this service will be efficient and sea, less, which to my recent experience, is a lie.
Consumer complaint received 2017-09-26
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: Army and Air Force Exchange Service (GA)

I 've disputed accounts in the past and even recently and they are still reporting! I have become a victim of your credit reporting issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an ID Care account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ( reported as fraud ) XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX ( i was on XXXX XXXX - not possible ) XXXX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX Late payment XX/XX/XXXX for ALL Dept of Ed accounts
Consumer complaint received 2021-11-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

XXXX, Equifax, and XXXX are companies that comply and maintain files on consumers on a nationwide basis. 

As a direct dispute, I sent letters to XXXX, Equifax, and XXXX in regard to identity theft by XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX on XX/XX/2021. 

As a consumer, I have identified the tradeline accounts from XXXX XXXX XXXX  XXXX, and XXXX  XXXX XXXX XXXX as identity theft, in which each consumer reporting agency ( XXXX, Equifax, and XXXX ) should have removed no later than 4 business days after the date of receipt. XXXX, Equifax, and XXXX  have yet to remove these accounts from my consumer report, as it has been well over 4 days. 

I have provided each consumer reporting agency with proof of identity, a copy of an identity theft report, and a statement which are included in the exhibits attached. 

Pursuant to 12 CFR 1022.43 ( e ), a furnisher must conduct a reasonable investigation of a direct dispute if it relates to a consumers liability for a credit account, such as direct disputes relating to whether there is or has been identity theft against the consumer. A furnisher must review ALL relevant information provided by the consumer. 

XXXX XXXX XXXX  or XXXX  XXXX XXXX XXXX must conduct reasonable investigations and they must clearly and accurately disclose information to my character, general reputation, personal characteristics, and mode of living. 

This investigative consumer report must be obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

With the information that these corporations receive from the personal interviews, this information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I should have received a written letter three days after the date on which the report was first requested, including a statement informing me of my right to request the additional disclosures. I have not received any update or disclosures from any consumer reporting agency, nor XXXX XXXX XXXX, nor XXXX  XXXX XXXX XXXX. 

XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX  XXXX XXXX XXXX have not complied with federal law by maintaining reasonable procedures to avoid violations. I believe and have reason to believe, that XXXX, Equifax, XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX need to be held liable for their actions, or lack thereof.
Consumer complaint received 2017-09-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ditech Financial LLC (PA)

after years of attempting to secure a loan modification ( 11+ % ) rejected each time, even w/hardship letters, ( XXXX ). company foreclosed, on day of Sheriff sale, we filed bankruptcy Chapter XXXX ( this is a legal automatic stay ) ( XXXX XXXX, 2017 ) XXXX XXXX Denied the automatic stay sighting a section 362 ( c ) ( 4 ) ( A ) ( I ) of bankruptcy code. Note : research of legal library failed to reveal such a provision. [ XXXX XXXX lawyer for Greentree/Ditech. No. XXXX Premises : ***** ** XXXX Rd. ******, **. 1**** ]. The XXXX County Sheriff 's proceeded w/sale. Even though the involved parties were aware of the bankruptcy. We know our rights have been violated be parties involved.
Consumer complaint received 2015-03-28
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (LA)

out of the XXXX SENT a letter saying through they loan XXXX from the government to help pay my bills the only bills i had was XXXX XXXX credit card which was a XXXX no savings but talked me into years old i have no car no assetsand XXXX cable i have no good cridet no job just my SSI check XXXX permonth i am XXXX and i have severe health problems and i am going XXXX this is being type daughter i am XXXX they had me intial my name no signature and life insurance in amount of XXXX but the insurance company me down because i am so sick mental and body now they trying to make pay a XXXX loan and i only XXXX XXXX she wrote a check for XXXX and told me to go to there and cash and bring the money to her now they are sending collection letters saying i owe XXXX i am being robbed and i did not get that money only XXXX i have no asets no money this was predatory loan and thy sought me out and now they are tring to robb me and they are harassing me for a year
Consumer complaint received 2016-03-09
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CO)

I am robo-called an average of 6-8 times a day from Navient. In one month, from XXXX XXXX to XXXX. XXXX. I was called 112 times. I have spoken to this company several times about my debts. They have been unwilling to accept any terms. They have called me before XXXX. I have at least one saved message from before XXXX. Several times I get a call every hour. Occasionally, these calls will also occur within minutes of each other. One example is I was called ar XXXX XXXX, then again at XXXX XXXX. I want the excessive harassment to stop.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (PA)

A few weeks ago, I logged onto my credit card account to pay off a {$1100.00} balance from a large purchase. I alternate paying my credit card with my XXXX checking accounts at XXXX different banks, one of which is Wells Fargo. At this instance, I meant to use the other checking account but mistakenly clicked on the Wells Fargo that did n't have any money in it. That is when all XXXX broke loose. 

As the credit card issuer made multiple pulls at an empty account ( I did n't know they could do that ), Wells Fargo charged multiple {$35.00} NSF fee. They continued to charge and charge and the amount went to over {$100.00}. 

What 's more, I am an American that spends most of my time XXXX. For Wells Fargo, that means I virtually am always locked out of my online banking due to 'security reasons ' and therefore can never have a great idea of my balance unless I make a costly international call to their customer service. 

Despite my best efforts, Wells Fargo only refunded a tiny amount. 

Despite this being a result of a mistake, Wells Fargo preyed on me, a very long-time customer, as they probably do to many others. My family and I, who have linked accounts, have been customers for decades and I feel cheated that this would happen. What with the huge scandal about fraudulent accounts as well as my personal struggles with them, Wells Fargo is definitely no longer a bank you can trust - if you ever could.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

These companies have ran my credit without my permission as fraud I do not know of these comapni3s except one and I did not run my credit this many times 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 I have not made or know of these inquiries please provide me with proof that I have done these inquiries please
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LJ Ross Associates (TN)

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. 

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX  Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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 an 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 ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Consumer complaint received 2017-01-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I found out from my credit that there was XXXX hard inquiries on my credit. These are XXXX, Capital One, XXXX, and XXXX XXXX. I already talked with XXXX and Capital One they confirmed that somebody fill out an application. Please help me How to deal with this. 
Thanks
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Automated Collection Services, Inc. (TN)

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. 

XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX  Last reported XX/XX/XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor, 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 an 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 ( 7 ) 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. 

All the information listed on my consumer report was added through identity theft. 15 USC 1681B clearly states the consumer must provide written consent for anything added to their consumer report. Which means they obtained all information through identity theft because I did not give my consent. That is also a violation of 18 USC 1028A aggravated identity theft and The Privacy Act of 1974, seeing as they shared my Social Security Number. According to 15 USC 1681C-2 the consumer reporting agencies have 4 Business days to block information resulting from alleged identity theft. It has been more than 4 days since they opened their investigation and no action has been taken.
Consumer complaint received 2021-08-10
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. (TX)

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

Equifax Dispute for credit score being too low. 
Response XX/XX/02 after investigation insufficient Report by Equifax generated for credit limit off by {$19000.00}. Using a " high limit '' amount only of {$6000.00} vs. {$25000.00} for mortgage loan. As such the Credit Utilization Ratio CUR ( ALL accrued debt divided by ALL available credit ) is higher. CUR being 30 % of score, this negatively impacts my score. Want report to compute using my actual credit limit as stipulated and confirmed by my lender. It is a line-of-credit available based on home equity.
Consumer complaint received 2022-08-15
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. (GA)

First and foremost, I did not give permission for XXXX or any other company to give my information to any third-party agency. XXXX did not obtain permission to give my information to XXXX XXXX XXXX or Equifax. Secondly, I have disputed the XXXX XXXX Account several times stating that the account is reporting inaccurate information. Each time, Equifax has responded as account information verified. When the collection account was placed on my credit report, the information was inaccurate and never correct. The Original Balance has always been reported incorrectly. Equifax did not do what is required, make sure that all information is accurate before placing it on my credit report as well as investigating all information when disputed. The wrong Original Balance was always reported wrong but Equifax refused to remove the account as well as never attempted to correct the information. This is a direct violation of my rights. I have uploading supporting documents to my complaint.
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax, XXXX, and XXXX are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? XXXX and Equifax and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.
Consumer complaint received 2016-09-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

they will not work with you on payment. Also I have paid over {$6000.00} over the past three years and this money paid has not touch the principal of the loan at all. I paid {$280.00}. per month for several years and XXXX another year. they are rude and I had it on auto pay and had personal issue and asked the to skip one payment and the stopped it completely and when I called to correct it they said I was several months. I also asked when my auto pay was completely shut off they said I told them too. I said no I did n't and they needed to check the call log they said they would and never got back to me.
Consumer complaint received 2022-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (PA)

I only authorized one consolidation of my Federal Student Aid Loans, that was the consolidation of XX/XX/XXXX, performed by XXXX. ACS was no longer my student loan servicer. There were XXXX loans consolidated XX/XX/XXXX there were no more loans from XXXX - XXXX to be consolidated. This is fraud! 

There were no Federal Student Aid Loans or any other education loans after the consolidation of the ACS and XXXX Federal Student Aid Loans that were consolidated XX/XX/XXXX. 

XXXX began servicing my Federal Student Aid Loans in XXXX. 

There were no Federal Student Aid Loans or any other education loans to consolidate. 

I never authorized XXXX to consolidate any Federal Student Aid Loans, there were none to consolidate, this is fraud! 

Why has ACS been consolidating my consolidated loans again and again when they were not the loan servicer at the time of the XX/XX/XXXX consolidation ; there were no new loans to consolidate after XX/XX/XXXX? The only authorized Federal Student Loan Consolidation was XX/XX/XXXX.
Consumer complaint received 2020-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (IN)

We recently refinanced with an alternate mortgage lender as of XX/XX/2020. The previous mortgage holder is keeping our escrow for confusing and unanswered reasons. We have heard several different stories as to why they are keeping the balance of our escrow which Is in the amount of {$1400.00} at the time of closing settlement. We entrusted 21st mortgage to manage our account for mortgage insurance and taxes which our new provider has taken over and paid in advance. We believe the person managing our case has been dishonest the entire process. 21st mortgage can not be trusted to manage escrow accounts accurately. The escrow account is funds we pay beyond principle and interest to ensure insurance premium and taxes are paid. If no payments are due then the balance should be refunded to the owner of the account.