davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (TX)

Date opened:XXXX Balance : {$800.00} Company : XXXX XXXX Account name : The Bureaus Inc This is false. Not me ( XXXX XXXX ) I was victim of identity theft which I just found out about while opening bank account at XXXX XXXX XXXX  this year 2021. I never applied for a credit card. I was in college ( XXXX university ) and took out student loans through XXXX. Never needed a card and now this is messing up my future and business which isnt fair. I tried to dispute it through XXXX but no word back yet. I need removed so please investigate. Theres got ta be proof its not me!
Consumer complaint received 2019-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I'm filing this complaint against Wells Fargo Bank NA and XXXX XXXX XXXX XXXX because in XX/XX/2010 a foreclosure action was filed against my property for {$200000.00}. and since that time i've been attempting to get a mortgage loan modification.I sent in the mortgage application, a financial hardship letter and in it I state that excessive credit card debit and a loss of job income caused me to fall behind on my payments.and I also stated in the letter that my wife was diagnosed with a serious health illness that forced her to resign from her job because she could no longer continue working.she then applied for Social Security XXXX benefits that she now receives monthly. I've been forced to hire several different attorneys over the years to defend my rights against each foreclosure action that's been brought costing me thousands of dollars in fee 's which has caused even more of a financial burden which is getting more expense the longer this situation continues.My attorney XXXX XXXX XXXX XXXX. can be contacted at ( XXXX ) XXXX
Consumer complaint received 2019-10-08
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. (MO)

I am a current victim of identity theft, XXXX, Equifax, and XXXX   continue to report fraudulent activity on my credit report. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. FTC has been filed in XXXX of 2019, they did not comply within the 5-7 business days according to federal law.
Consumer complaint received 2021-08-03
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (MD)

I attended XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I opted for an online college as I had been unsuccessful with on-campus college due to struggles with severe XXXX which I undergo treatment for. 

I was misled in terms of how long my program would be, how much the program would cost in total, how easy it would be to acquire a job upon graduation, the job titles and employers for graduates of the school, and how much I would be able to make on graduation. 

Loan forgiveness paperwork has been filed and has been on file since XXXX, as a result, all of my federal loans are on hold until they review my case. XXXX however additionally took out private loans that are not placed on hold and this is why I'm here. 
The school has since closed and there are countless and similar claims of XXXX 's illegal marketing Activities. Attached I've included links to various trials and instances of debt relief due to the school 's misleading actions. 

Upon graduation, I received not one interview and worked at minimum wage jobs, and looked at community colleges. My debt is XXXX and this total was not revealed to me until graduation. Attached you will find the information XXXX XXXX did give me. The career I was in pursuit of barely makes XXXX a year on average. My life, freedom, goals of a family, and hopes of overcoming obstacles created by XXXX were shattered. They still are to this day as nothing 's changed it's just frozen. 

My monthly required payments amounted to at least {$1000.00} a month. I worked part-time and went back to school while living on food stamps ( see attached my XXXX document )
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (GA)

On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :
Consumer complaint received 2019-05-26
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: CITIBANK, N.A. (ND)

My mother was contacted by a male that goes by the name of XXXX XXXX on XX/XX/XXXX. He reported that he was working for XXXX XXXX  and was reaching out to try and help lower interest on the credit card ( CITI CARD Mastercard ).. When my mother spoke with XXXX she was informed that for XXXX dollars that he could help them. Some of my mother 's personal information was shared to Mr. XXXX. However, nothing was signed on behave of this agreement. My mother and father both are elderly and were not sure of what they were getting themselves into. My parents did speak with me regarding this issue in XX/XX/XXXX and at that time we decided that it would be best if I took over their finances. 


My father did contact the CITI mastercard regarding being charged of the XXXX and he was informed by the company that there was nothing that they could possible do. I, executive of their estate, also contacted them and they notified me that there was nothing that they could do. My father also did contact the Federal Trade Commission as well as the Attorney General of North Dakota and placed a complaint with both companies. 

Since all of this has been reported and filed with other companies. This company continues to still contact my father with the last time being XXXX. In the past he has told my father that he is rude and would talk over him. If possible I would also like to place a complaint or grievance regarding poor customer service as it is my understanding that Mr. XXXX was disrespectful and very down grading when talking.
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (WA)

When living in Arizona, I had several accounts with XXXX XXXX. Throughout my relationship with XXXX XXXX, I found XXXX XXXX to be difficult and eventually realized they were deceptive and fraudulent. I received invoices from them long after the accounts were closed ( XXXX, 2018 ), which I paid, trying to end my relationship with XXXX XXXX. Eventually I received a collections notice which I successfully disputed. When I received notices to join in a Class Action Lawsuit against XXXX XXXX  for exactly the tactics that XXXX XXXX had been using against me, I joined. I received XXXX settlement checks for this lawsuit. I am attaching copies of the settlement checks. 

Now I have received yet another collection letter ( attached ) from Afni regarding an alleged debt owed to XXXX XXXX. I do not owe any money to XXXX XXXX. 

Unfortunately, after the initial dispute had been settled for XXXX years, I shredded the documents. 

From research on this issue, it appears that this collection attempt may constitute mail fraud. 

It appears to me that this tactic by XXXX XXXX of trying to collect on non-existent debts is going to continue forever.
Consumer complaint received 2021-09-29
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. (WI)

Hello, I reached out to Equifax on dates XX/XX/21, and XX/XX/21. On XX/XX/21 I requested from Equifax a Method Of Verification and I did not receive a response from Equifax concerning my request. On XX/XX/21 I sent Equifax a letter stating that Equifax was not in compliance with my request for a Method Of Verification. I explained to Equifax that my request was a request as authorized by the FCRA 611 ( a ) ( 7 ) and that Equifax now had 15 days to respond to my request. Equifax has not responded to my request of providing me with a contract with my signature from the original creditor XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.
Consumer complaint received 2019-10-08
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. (NC)

I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.
Consumer complaint received 2021-08-03
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. (FL)

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with them.
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (FL)

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. Please check the attached documents.I do not think that I ever owed the amounts on these accounts, that I ever owed as much as is shown, and I have no idea who these accounts are from because I have never done business with them.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.
Consumer complaint received 2021-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT
Consumer complaint received 2019-10-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Asset Group LLC (NM)

XXXX XXXX XXXX have repeatedly called family members and my employer to harass them stating that I was going to get a parcel on Wednesday containing legal documents. I called the company and asked them to cease and desist all calls and they said they would not do that unless I agreed to settle the debt. They also said legal action was pending in XXXX XXXX. I told them I already checked the court data base and I have no litigation. They said it wouldn't show up yet, because it was pending. 

I told them that they were breaking the law with their practices, and that they needed to cease and desist, and they refused, saying the law doesn't apply to their company and they will do what they want however they want to. 

I told them that I may be willing to settle the debt, if I see it in writing, and they said they would only send things in writing if I agreed to pay, and then said I " was a snake. '' I fomally dispute the debt.
Consumer complaint received 2022-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Fresh Holdings Inc (FL)

I sent an email to the company on XX/XX/XXXX revoking authorization of automatic debit payment from my checking account. They once again drafted another payment of over {$200.00} from my checking account on XX/XX/XXXX. I sent another email on XX/XX/XXXX demanding them to cease automatic debits from my account and to reverse the previous payment. I have not received a response nor have they reversed the payment
Consumer complaint received 2018-06-03
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: WELLS FARGO & COMPANY (FL)

This situation has been going on for since XX/XX/XXXX we are now in XX/XX/XXXX. I have told Wells Fargo time and time again that someone used my information to apply for a student loan with Wells Fargo and I found out about it this year XX/XX/XXXX after opening my account with XXXX XXXX. Apparently, because the person who used my identity in applying for a loan also fraudulently used someone elses information as a co-signer, they put a negative record on my XXXX XXXX XXXX Report. ( I will attach the letter ) The loan application number appears as an account number but when I contact Wells Fargo they tell me it is the student loan application which is XXXX. I have filed a report at identitytheft.gov and provided them with the the report and case number XXXX ( I will upload that as well ).  Wells Fargo is telling me that that is not enough and i need file a police report with my local police department. Mind you this application was done online so that would be of no help at all. I have disputed with early warnings twice and Wells Fargo seems to keep deeming the information accurate so now I am contacting you guys CFPB to Ask Wells Fargo to either provide proof that this was me that applied for the student loan fraudulently or remove the negative record from my early warnings report immediately as I am being held accountable illegally. I will be taking further action against Wells Fargo if I am refused a response.
Consumer complaint received 2019-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DE)

I was paying {$300.00} a month and called Sallie Mae because I learned about the new PSLF program from a friend at work. I called Sallie Mae and was told that I would have to change repayment terms to a standard repayment term to qualify. I agreed to increase payment about {$90.00} a month. I was told that I didn't need to do anything and that after 120 payments the rest of my balance would be paid in full. I met with a financial advisor this month who advised me that this want the case and that I would need to pay {$680.00} a month times 84 months! I called Navient who was the. We serviced after Sallie Mae and spoke with loan department. The rep apologized for the mid information and told me I would need to pay {$680.00} a month for 10 years! I was misled for 5 years by SallieMae/ Navient! I am a school Principal so I qualify for this service ... doubling payment is not answe! I am a victim of fraud or negligence by Sallie Mae/Navient! What a real shame and trap!
Consumer complaint received 2019-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

I am writing this letter to dispute the collection account of ( Hunter Warfield collections and XXXX XXXX ) on my credit report and am requesting it be deleted as soon as possible. 

I paid {$320.00} per the request of the company 's ( XXXX XXXX ) representative ( XXXX XXXX ). She noticed that erroneous charge of {$570.00}, and striked out with initial next to it. I paid final utilities bill ( final balance ) of {$320.00} per representative 's request. 
The representative has strike out {$570.00}, initialed next to it. On the second page, i initialed saying it is " final bill ''. 

There should not have been any charges after i paid final balance on XX/XX/2014. Attached is a copy of the documents that shows i paid in full with initial and signatures. 

I have started receiving collection letter from " Hunter Warfield collections and XXXX  XXXX '', starting from XXXX XXXX every six months. I have responded them on every request. However, I never received their response of my letter, which is attached as well. 

Not only did they fail to provide me with proof that I owe the debt, they reported this information to my credit report anyway, which is a blatant violation of Section 809 of the Fair Collection Practices Act.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (NC)

1. While on vacation at a Wyndham resort the latter part of XX/XX/XXXX, my husband and I were pressured into signing a contract with Wyndham at which time this credit card was offered. After a short period of time and within the grace period we rescinded this contract. On XX/XX/XXXX I called to cancel this credit card less than 2 weeks of opening this card thru this Wyndham Resort. There is record of my telephone call with Barclays.

2. Over a year later, on XX/XX/XXXX I learned of a charge on this credit card ( via email sent to my husband, not me ) from Wyndham Vacation Resorts of {$59.00} which later I learned was an annual fee of being a Rewards Member. I also learned this card was never cancelled but instead a hold was placed on the card. I asked again for this card to be canceled. 
3. This card was destroyed and never used for any purchases. I do not know the account number nor have access to online.

4. I have been in contact with Wyndham Rewards and Barclays Credit Card numerous times without resolution. Again, I am learning Wyndham Rewards are still charging this Wyndham Barclays credit card this annual fee. Now, it has effected my credit score. I am in desperate need of your assistance.

5. Im unsure of how the amount past due is {$120.00} considering Ive been fighting this for 3 years now. It seems that in XXXX it was possibly cancelled but then 2 more years of fees has been added. 
Please see attached recent email I received from this company as well as he email I sent them in XXXX. 
Thank you.
Consumer complaint received 2021-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (IL)

THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, AND ON XX/XX/21 YOU RESPONDED THAT IT WAS A DUPLICATE COMPLAINT. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) The Bureaus, INC stated that their client Bureaus Investment Group Portfolio No. 15, LLC, has bought this debt, so a person would not owe this alleged debt to The Bureaus, INC, their client or the assumed original creditor ; THE BUREAUS, INC just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ). Also, I, the federally protected consumer, never gave The Bureaus, INC permission to have my personal information, that is a violation of my right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, The Bureaus, INC just admitted to participating in conspiring against my rights with their client, Bureaus Investment Group Portfolio No. 15, LLC and the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. They are violating 18 USC 1028 by unlawfully transferring my authentication feature ( social security number ) electronically. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts.

With Explicit Reservation of all Rights, Without Prejudice UCC 1-308.