davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-30
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: EQUIFAX, INC. (IL)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
U S DEPT OF EDXXXX 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 2021-11-24
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. (PA)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2022-08-24
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. (IL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Dispute of many transactions Wells Fargo Bank visa Debit card. 
Transactions disputed where denied by bank within 4 hours of claim with zero clarifications on why. Only statement was there was not enough information to justify claim of fraud. 
Wells Fargo Bank Claim Number XXXX There was additional claims added that I did not request by the claims department. 
Previous claims 5 days prior were finalized and deemed company error yet once additional claims where added those additional claims denied. 
0 % fraud liability and denied? Clearly these charges are fraudulent and I demand restitution or will seek legal council.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  SC XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I placed an order for two {$200.00} XXXX XXXX gift cards, and the gift cards that were sent did not work when I click the link that Chase sent me, it says your reward can not be viewed at this time. I called and asked them to open a case, but that was back around XX/XX/XXXX, I still dont have working gift cards or the 40,000 points I spent to get them. I have called Chase and requested a refund of my points but they still have yet to do so.
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

Several Wells Fargo reps have replied to below complaint by either referring to prior replies which state checks in question show as cashed and or verify address sent to... I can assure the CFPB I reviewed all replies and none of them address issues including non-receipt of payments which are inadequate, do not offer reasonable settlement offer, do not address IRS reporting of missing payment.. Wells Fargo reps continue to refer back to past replies which either refer back to prior replies or state checks cashed and or verify address sent to... It appears no one on Wells Fargo side appear willing to move on the matter, simply want to refer to past replies... 
Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX approximately, Goldman Sachs suspended my apple card for a fraud investigation. There is no identity theft on this account. I charge thousands of dollars per month and pay it in full every month without fail. This company will not provide a reason why, they won't give me any details. I have contacted their customer service several times, I have messaged fraud supervisors up to the VP on XXXX. No one will explain why ... this has created a massive inconvenience. You can't do business with apple if you don't have an apple card. I use it for my business, for personal, for my laptop, for my families phone installment plans etc. All of our services and recurring financial commitments have grinded to a halt. They mentioned something about identity theft when I called, but there is none. I have verified everything with them... REPEATEDLY. 

This has become a pattern over the last month. My wife and I bought a house and have tried repeatedly to use the card at XXXX and they blocked those purchases for potential fraud? I called repeatedly and said, please stop it's me. It's not fraud. I bought a house ... can you stop please? They refuse. They tell me there is nothing they can do to stop the fraud prevention or what I call harassment. 

This should be illegal? I'm forced to abandon XXXX completely or deal with the harassments from their fraud department. I do not deserve this. I have been a perfect customer. They refuse to help me when I call. Please help. 

Note : they blocked my card number in the app. I can't provide it.
Consumer complaint received 2022-08-03
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. (CO)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

In XXXX of XXXX, I was notified when I logged into my loan servicer, FedLoan Servicing, that the policies regarding the XXXX XXXX XXXX XXXX XXXX had been changed to make payments easier for those making payments to qualify for the program. I read on about this on my servicer 's site and, wondering if any payments I hade made outside of the grace period in the past would now qualify, I wanted to learn more. I was led from FedLoan Servicing to the Federal Student Aid website, which notified me that the loans I had through XXXX XXXX XXXX now could qualify for forgiveness, as they had not before, if I reconsolidated my loan. I did this. 
After doing so, I had submitted the XXXX & XXXX Certification and Application after my current employer filled out their requered information. I faxed this to the U.S. Department of Education-Fedloan Servicing on XX/XX/XXXX. I was then notified in XXXX that they had received this information, however, that my loan was also approved to be reconsolidated with my current loan through FedLoan along with my American Education Loan, bringing my total owed amount to {$52000.00}. This was fine, however, in XXXX I had received another letter stating that the loan that was reconsolidated now no longer counts for the past XXXX  years, and that my considered forgiveness date, if qualifying for the XXXX XXXX, would be XXXX. 

I have been in repayment at my current non-profit position for the last going on XXXX  years. For the last XXXX years, my payments would have counted towards the XXXX XXXX, leaving me at being able to potentially have my loans forgiven XXXX. I was not aware in any shape or form that, while being notified my AES loan could qulaify for the program now under the new policies, that reconsolidating this along with my already current qualifying loan would start my entire process over, leaving the last XXXX  years of payments not mattering at all. With discovering this, as I had previously stated, I have attempted to contact FedLoan several times to no avail. I work a full-time position to where I can not be on hold for hours at a time. When given the opportunity to get a call back and keep my place in line, I opt for this option, however, the message will start over again and to no avail, this is really not an option that is successful. It just continues playing again and again despite selecting that option. I have emailed FedLoan XXXX  now, XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX. 
I believe that the information presented about the program was not clear, and that this information led me to make a decision that affected the last XXXX  years of payments, and is unfair to not only me but anyone else that has possibly experienced this. 
I have all letters I received throughout this process and copies of the emails I had sent to FedLoan servicing. I also have the letters that state which of my loans in the past had qualified prior to submitting my most recent recertification form.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (CO)

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX SC XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1600.00}
Consumer complaint received 2021-10-26
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. (NY)

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts are still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$270.00} DEPTEDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3200.00}
Consumer complaint received 2021-10-26
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. (TX)

XXXX is reporting inaccurate information to three major bureaus and this is hurting my credit score. They are reporting that I owe a balance of {$2900.00} The payment status is charged off but they keep updating the file. Also they are listing different information to each of the three major bureaus. They reported to XXXX  that their last date reported was XX/XX/XXXX, they reported to XXXX that their last date reported was XX/XX/XXXX, and reported to equifax that their last date reported was XX/XX/XXXX. There is also inconsistencies with the date opened. XXXX states that this account was opened XX/XX/XXXX, Equifax shows that this account was open XX/XX/XXXX as well as XXXX. To my understanding everything must match when reported to each bureaus. This account is reporting with much inconsistencies as well as false information.
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (FL)

This is in regards to my previous complaint XXXX for which i was not provided a fair resolution. 
The greatest concern from me is the last statement I received from Synchrony was on XX/XX/2020 and my promotion ended by XXXX of this year after which they started charging interest every month. After my complaint, I received a statement this month. So for the entire period when Synchrony charged me interest I did not receive any statement from them. From the beginning of this year I have been charged more than {$900.00} in interest. I received an email from Synchrony after this complaint to which I replied and called multiple times but no response. Since I had setup automatic payment, they kept debiting my account without any notification. I can provide evidence that I did not receive the statement for the entire period for which I have been charged interest. How could I possibly know of any interest that is being charged to my account without any statement that is being sent to me. I would expect the entire interest amount to be refunded which is the apt and fair resolution in this matter.
Consumer complaint received 2021-10-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

Under the Federal Government Cares Act, I applied for Forbearance in XX/XX/XXXX & as per the regulation all missed payments must be added to the back of the loan & due to the fact I have an FHA loan The regulation requires that I am entitled to yet another year extension, My Servicer has insisted that they will not honor the comply with the Cares Act requirement & they sent me a demand payment request to pay them the sum of XXXX, Which is a total violation & They have sent me threatening letters, They came to my home & posted Notices on my front door, My Forbearance must end XX/XX/XXXX because my loan is an FHA loan
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation (LA)

My stimulus was sten off this card I didn't even receive it to set up pin or anything.. my identity was stolen my first and second stimulus was frauded I did not authorize anyone to use my card better yet activate and use all my funds. I'm asking the bank for my XXXX chargeback pleasse
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (TX)

Filed a previous complaint XX/XX/2020 for XXXX sending a postdated threat of legal action/lawsuit if I did not pay by the postdated date stating in the threatening letter sent to me. I did go on to make payment arrangements with them on the premise that I was told in a recorded conversation that if I had difficulty making this monthly payment that they would work with me. 
When in fact I did need them to work with me because I was trying to get back into the workforce to be able to meet the payments, I was yelled at by a XXXX debt recovery representative, and also threatened. 
I have now learned they have a lawsuit pending against myself tbrough Zwicker & Associates. I was not served for the pending lawsuit, or informed or sent a summons to this date of today. 
XXXX gave me a phone number to call Zwicker & Associates that is not a working number, and just answers and hangs up, leaving no way to reach Zwicker & Assoc. to try to resolve the matter.
Consumer complaint received 2021-09-18
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: CORELOGIC INC (FL)

XXXX CREDCO has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Consumer complaint received 2022-08-12
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital (OR)

After 1st initial call, I had a conversation an told them I would contact them when I'm able. They say their feom Omnipoint. I told them to leave me alone. They call from different numbers so blocking doesnt work. Now I get XXXX calls a day!! They won't stop even when I added the stop in my voicemail recording.
Consumer complaint received 2022-08-24
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. (IL)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-12
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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