davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

WELLS FARGO home mortgage did not pay my school tax bill as required by law since my mortgage is escrowed. Now, seeing their mistake, they want to take this tax out of my current escrow balance after already giving me an escrow refund as required by law. That money is gone. Now, once they take the money out of my current escrow it will cause a shortage in my account for this year 's taxes. I need help.
Consumer complaint received 2018-07-30
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: Lending Club Corp (VA)

I entered a settlement with Lending Club. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.
Consumer complaint received 2022-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (OK)

I was contacted by CashNetUSA claiming that I received a loan from them. They stated this was an online loan that they sent to a bank account not linked to me. They stated they need a police report to do anything further, but I was instructed I had to start here. They did not not give me an exact amount.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Navient Solutions, LLC. (NY)

Navient account is reporting late payments and most recent payment of XX/XX/XXXX. However the account was consolidated by XXXX back in XX/XX/XXXX. XXXX info XXXX XXXX  XXXX, XXXX, PA XXXX | M-F XXXX to XXXX ( ET ) | XXXX Please call to discuss as I have a letter from XXXX regarding this matter.
Consumer complaint received 2022-08-07
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. (MO)

I HAVE SENT OUT COUNTLESS LETTERS TO ALL OF THE CREDIT COMPANIES AND THEY REFUDE TO COMPLY WITH MY REQUESTS TO REMOVE THE HARD INQUIRIES FROM MY CREDIT REPORY BECAUSE SOME HAVE BEEN DISCHARED THROUGH MY BANKRUPCY AND SOME ACCOUNTS HAVE BEEN PAID OFF... BUT THEY ARE ALL STILL ON MY CREDIT REPORT. I KNOW THAT THE XXXX XXXX XXXX BANKRUPCY WILL REMAIN ON MY CREDIT REPORT FOR UP TO 10 YEARS THE HARD INQUIRIES ARE STILL ON MY CREDIT REPORT BUT HERE IS A LIST OF THE HARD INQUIRES THAT WILL LIKE TO HAVE REMOVED ... ... ... .... 

*XXXX XXXX ( XXXX XXXX THIS IS PART OF THE BANKRUPCY ) *XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ACCOUNT WAS PAID OFF AND PART OF THE BANKRUPCY ) *XXXX XXXX ( XX/XX/XXXX ) -I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$530.00} ) XXXX XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM AND NEVER HEARD OF THEM BEFORE ( {$620.00} ) *XXXX ( XX/XX/XXXX ) I DO NOT EVEN KNOW WHAT THIS ACCOUNT AT ALL *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPEND AN ACCOUNT WITH THEM *XXXX XXXXXXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM *XXXX XXXX ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT WITH THEM OR HEARD OF THEM BEFORE *XXXX  ( XX/XX/XXXX ) I NEVER OPENED AN ACCOUNT OR HEARD OF THEM BEFORE I WOULD REALLY WANT THESE HARD INQUIRES REMOVED FROM MY CREDIT REPORT OR I WILL BE FORCED TO FILE THE NECESSARY PAPERWORK TO FILE A LAWSUIT THANK YOU
Consumer complaint received 2021-07-08
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. (VA)

I kindly asking you to pay attention to a serious situation that happened with me. I suddenly noticed fake accounts in my credit report. I do not know why I have them but I believe I am a victim of identity theft. My personal information was used and that's how I have these accounts. Or maybe its just error in reporting but I am begging you to delete these fraud accounts because I am at the very important stage in my life and I need to do financial planning. Thank you, and appreciate it.
Consumer complaint received 2021-07-08
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 (NY)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft SYNCB/AMAZON Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-08
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. (FL)

Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.
Consumer complaint received 2017-12-23
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. (LA)

RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Consumer complaint received 2021-07-08
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: WELLS FARGO & COMPANY (NJ)

I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft WELLS FARGO Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-08
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: CBC Companies, Inc. (NY)

These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXXPlease remove it from my credit report.

2. Identity Theft FCTUALDTA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (VA)

As a student beginning college in XXXX, I was approved for a student line of credit through XXXX XXXX XXXX XXXX with a co-borrower. The loan servicer for the account is University Accounting Services, LLC ( XXXX XXXX XXXX 

At the end of XX/XX/XXXX, two statements were posted one of which had the correct billing date ( XX/XX/XXXX ) and {$0.00} due with the cycle ending XX/XX/XXXX, while the other had a cycle ending XX/XX/XXXX ( total interest charged for 8 days despite the cycle length being 31 ) and a billing date of XX/XX/XXXX and {$690.00} due. My co-borrower called XXXX XXXX on XX/XX/XXXX and talked with the loan servicer on the phone. XXXX XXXX confirmed that the statement with the cycle ending XX/XX/XXXX was sent in error. My co-borrower also asked that the loan disclosure documents be made accessible on my account and was told they would be there in 3-5 business days. The only documents to become available online after 5 days were my past statements. To this day there are still no loan disclosure documents on my account. 

I became extremely concerned when my statement due to arrive in XX/XX/XXXX was not posted until XX/XX/XXXX and noticed the information on this statement was based on the error statement. After discussing with my mom, who works for a credit union, we were under the assumption that the error statement would have been removed and the new previous balance listed on the statement for XX/XX/XXXX would be the balance of {$100000.00}, which was listed as the new balance from the XX/XX/XXXX statement ( the one that was deemed to be correct by the loan servicer ). However, the balance listed is {$100000.00} that was stated on the error statement. I also noticed that the due date for payments had suddenly changed to the date of the 18th of the month and not the 10th. Since the statements are off, I am not sure if I am being over-charged in interest as that is what it looks like. 

After seeing the statement posted XX/XX/XXXX, I immediately sent a secure message through their website, which is their suggestion, informing them of my issues and requesting a full account audit from loan inception through the current statement period. I gave them 30 days and have not heard or seen anything. I also do not have a statement for XX/XX/XXXX ; not sure if that is considered an issue especially when my next payment would be around XX/XX/XXXX, but I currently have no idea how much I would owe. I realize it would be XXXX since I am in deferment, but if that was not the case I would be cutting it really close. I would also like to point out that when calling in to their number and giving my SSN and DOB to confirm my account, they are unable to recognize that I have an account. So, I am concerned. And being a recent graduate, I was not fully expecting to be dealing with something like this, which has caused an increase in my anxiety. It seems as if the loan servicer is ignoring me at this point.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A. (DE)

XX/XX/2021 PNC Bank I received three preprinted checks from PNC bank to be used to transfer balances. I called PNC and spoke to XXXX who explained that if someone fraudulently cashed one of these checks, that PNC would cover it. I spoke to her supervisor, XXXX who confirmed what XXXX said but indicated that I had to report the fraud. XXXX indicated that a {$2000.00} check would probably get PNC 's attention but smaller amounts might not and would need me to identify the possible fraud. I use my credit card for everything and place thousands of charges monthly. I do review my statement but I assure you I do not pay much attention to smaller charges so I might not even notice the fraudulent charge if it was not in the noise level. I'd not question a {$60.00} charge. If I do not question it, PNC would not address it and I would be out that {$60.00}. 

PNC or any bank should not be allowed to send out these checks and put their account holders at risk.. It should be illegal and I intend to contact my representative and senator.
Consumer complaint received 2018-10-05
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 — Their investigation did not fix an error on your report
Company: STERLING JEWELERS, INC. (FL)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX with no successful resolution. XXXX  is the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX.
Consumer complaint received 2018-11-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (DC)

I sent a rent payment to XXXX XXXX for rent in the amount of {$75.00}. They in turn closed both of our accounts and kept the money. They didn't provide the service that was advertised nor tried to return any funds.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and XXXX XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for child abuse in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and XXXX to XXXX and XXXX XXXX.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Sir/Madam Equifax has admitted that my credit file has been breached. Equifax breach goes back for years. I know! Equifax keeps putting a freeze on my account for no apparent reason. XXXX XXXX XXXX. retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX Family Member.

They dont care who they XXXX over to save their brand. XXXX XXXX  is still with this trickery and foolery. I need to know what could be done to XXXX XXXX  and Equifax criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX   and Equifax against me.

They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX and Equifax has a strong dislike toward Veterans, and XXXX XXXX Family Members.

They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX Family member. Please. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX  AND EQUIFAX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report.

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia.

Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to them. They are too stubborn. They are too crooked to satisfy the consumer. They are too more concerned about their brand at the expense of Veterans.

Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers
Consumer complaint received 2021-03-04
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. (WI)

I have two open accounts with XXXX XXXX and the utilization is at 6 % and XXXX for the last 4 months has been reporting my use on the two Lead Bank accounts at being 47 % utilization. 
These reports are in error.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (GA)

At XXXXXXXX XXXX EST, I received an email from Paypal saying I am no longer eligible for funds. In the email they said : " We've made this change to protect your account and to keep the PayPal community safe for buyers and sellers. We'll let you know if your account becomes eligible for Funds Now again. 

You can learn more about why your money from sales might be placed on hold and what you can do. '' 7 minutes later, I get an email being told I can no longer do business with Paypal even though today, I used it for XXXX, XXXX eats for food, making purchase on phone, and receiving fund from a fund. They claim unauthorized activities that I have NEVER participated in, unless they consider buying food and XXXX trips as gambling. I called for representative and they wouldn't tell me what caused the ban out of nowhere and they were so rude and crass about how these funds, which I use for food, I no longer have access to. I have never in my life experience such a horrible experience with Paypal. I have been a loyal customer for several years and took great care to abide by terms of service. I have used my account to raise money before, by doing paypal pools or linking my paypal.me which people used to send money when the paypal pool link wasn't working. I have {$7700.00} that is currently on hold that Paypal is preventing me to having access to said funds. I am very upset and frustrated and I have no problem showing all my transaction history.
Consumer complaint received 2018-11-16
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. (VA)

On XX/XX/XXXX, I was viewing my credit report and found that there was a hard inquiry for XXXX on my credit report of Equifax dated XX/XX/XXXX. I never applied for services or gave any one unauthorization to use my social security number to open an account with. 

I chatted with a representative the same day, and was advised that the name on the account was XXXX and the account was opened using my social security number. The address on the account being XXXX XXXX XXXX, XXXX, VA XXXX. This is my EX-WIFE, and I would NEVER give her permission to open anything in my name. I was advised to call there fraud department but I have been recieving the run around. This is the 2nd time this has happened. She opened an account using my SSN in XX/XX/XXXX and the account was suppose to be closed down as fraudulent, I even spoke to mulitple representatives then. Now im being told the account was not shut down as fraudulent but is now with collections. I never recieved a bill because I do NOT live at this address on file. And now again XXXX has allowed my SSN to be used again to have an account opened. And now there is another unauthorized hard inquiry on my credit report. 

I have been told the account would not have been opened it the SSN on file did not match with the name on the account. That is XXXX, this is the second time you have allowed my SSN to be used to open and account and then allow the name to be switched on the account. 

I want ALL accounts with my SSN on your system closed and removed. I do not want to be held liable for ANY account balances because these accounts were opened fraudulently. One account closed on XX/XX/XXXX and its with a XXXX XXXX XXXX falsely. I want the account removed from XXXX XXXX XXXX as closed and removed from my credit report as the account was opened fraudulently. The second account was closed on XX/XX/XXXX, and its in the name of XXXX XXXX or XXXX XXXX but has my SSN on the account. I want my SSN off these accounts and hold her liable for the account balances. She NEVER had my authorization to open these accounts.