davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NC)

XX/XX/2023 Navient XXXX XXXX XXXX XXXX XXXX, PA. 
XXXX To Whom XXXX XXXX Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt that you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VERIFICATION made pursuant to 15USC 1692g Sec. 809 ( b ) of the FDCPA. I nicely request that you provide me with competent evidence that I have any legal obligation to pay you. 

Please know that if you have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action will constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company, I will bring legal action against you for violating my rights. 

Furthermore, according to 15 U.S. Code 6802 ( b ) - Obligations with respect to disclosures of personal information ( 1 ) In general A financial Institution may not disclose nonpublic personal information to non affiliated third party unless : A : such financial Institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and C : the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
If you fail to respond to this validation request within 30 days days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Signed, XXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NV)

Equifax on XX/XX/2021 mail me a letter saying they unable to locate my credit file. asking me make a copy of pay stub or social security card or W-2 Equifax is updating my auto loan and credit cards on credit file so why so many games. I'm also filing a complaint with US Attorney office in regards to the issue with Equifax issues Equifax will not send a complete full report with all the pages to my credit file. I did not ask for no credit score i ask for a complete copy with all the pages of my credit file.
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-07-26
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: EQUIFAX, INC. (FL)

This is my 9th 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 Balance : {$760.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX  XXXX Balance : {$4500.00}
Consumer complaint received 2022-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Early Warning Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX ) sent me a zelle transfer of {$2500.00} for a debt to my XXXX XXXX account. She later called her bank and reported the transfer as fraud in order to stop the payment. As a result, Zelle deactivated my accountXXXX XXXX XXXX closed my account and I can not access my funds. XXXX XXXX falsely reported fraud to her bank to stop the payment of the debt.
Consumer complaint received 2015-04-28
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (PA)

I deposited a check using their American Express Serve mobile app on XXXX XXXX, 2015 and it said that the check will clear in XXXX business days. When I logged into my account on the XXXX business day the money was not available, I called American Express Serve to let them know the money was not available and the transferred me to a XXXX party company called XXXX. XXXX told me that the check was approved and it was up to American Express Serve to make the funds available. I called back American Express Serve to tell them what XXXX said to me and I got the run around, rude and sarcastic answers from the rep. I do n't understand why my money is not available to me since the check was cleared. I am counting on that money to put gas in my car to go to work and buy groceries now I am without money today.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MD)

I've been a customer of Wells Fargo ( WF ) for close to XXXX years. During my time as a customer WF has constantly put me in products that are not a good fit. For example one of my checking accounts was converted to an account that would cost a monthly fee. Wells Fargo did not send anything detailed in the mail- they wrote a very small note on my mobile dashboard. When I called to inquire why the account was changing I discovered there was a different account that was free and and better suited for my needs. This was also the case for my rewards credit card ; it was automatically converted to a cash back credit card. Again nothing was mailed out to me ; there was a small notification on the mobile dashboard saying the current card would switch over by a certain date. If WF has the power to switch customers into different products without their consent or consulting with them first it seems they would do their due diligence and learn how a customer uses their accounts /credit cards and place them in a product that's in the customers best interest. 

Second example - WF closed all Personal Lines of Credit. Customer 's were not given the option to keep their XXXX open. This clearly was done because it was beneficial to the company. 

Also, Wells Fargo has consistently kept me at the highest APR for my credit cards despite my good standing as a customer ( Excellent credit and XXXX score, on time payments etc. ). I have asked for Wells Fargo to explain why my APR is at the highest but they do not have not given a reasonable explanation. I was recently sent a promotional offer for a loan ( up to $ XXXX ) from WF so they aware of my good credit history. They are refusing to give me a decent XXXX  or convert me to credit card that works for me. 

I'm requesting my XXXX be lowered or I be placed into a different credit card without a hard pull on my credit.
Consumer complaint received 2023-07-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 XXXX XXXX
Consumer complaint received 2019-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

After using my paypal account for over 10 years, recently with no notice, my account has been locked and prevents me from using my over {$200.00} balance. Paypals claim is that I need to provide them with my bank account number. 
On XX/XX/2009 my paypal was hacked into by a foreign entity and stole {$590.00} from my account and credit card. I had to get the federal government and my credit card company involved to have them repay the stolen funds. They still have no idea who or how their system was hacked. Even then they wanted me to provide my bank account number. I refused stating my personal and banking info would be at risk. 
Now again they want me to provide my personal bank account info and put my banking and identity at risk. There is no reason for this, they already have my info and have my credit card on file. Instead of paypal putting their honest customers identity and bank info at risk, they should be increasing their own security to protect their customers. 
I want to continue to buy and sell using my paypal account with my credit card on file, as I have been for the last 10 years without putting my banking and personal info at risk.
Consumer complaint received 2016-07-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MI)

I 'm filing this complaint because Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (TX)

I called the mortgage company LOANCARE to remove PMI, they sent me a letter. The letter indicates that in order to remove PMI i need to order appraisal or BPO, so I called them and I chose BPO because it was cheaper and I paid the amount of {$100.00} over the phone. 


Then I received from XXXX XXXX Escrow PMI Specialist II an email she says, to move forward you need to pay another {$45.00} eventhough I asked about that, she never give an explanation. 

I don't think it's fair and professional to ask another amount after it's paid according to the letter.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (TX)

XXXX I checked my free credit reports ( it is actually very difficult to do, as the system does not work optimally ; I was able to pull up only one free report ). Because I had to pay for others, I also got my XXXX score. It was above XXXX. Imagine my shock when my credit union told me that Experian was reporting my score at XXXX. It makes a huge difference in the interest rate I can get. Ex. lists a delinquency in my report and other problems that neither I nor the credit union saw XXXX in the actual report ). I have credit history from 1982, and only XXXX 30-day late payment in all that time ( from XXXX ; also subject to a dispute ). It is inconceivable that the score would be so low. Experian needs to correct the errors, so the score may be adjusted.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

Opened the dispute of {$240.00} and Marcus credit card did not credited me the money, they just got the paperwork from XXXX which states that I paid for all other reservations, so I should pay for this one too, which doesn't make any sense, and Marcus 's credit card without applying any brains, just listen to them and debited back the money from my Credit card account.

just received the paperwork today from Marcus credit card, please see attached
Consumer complaint received 2023-07-25
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)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

For the last couple of months I have been sending letters to the credit bureaus about inaccurate, duplicate and reporting accounts in my credit reports that is in violation of the law, but the credit bureaus keeps reporting them without any further investigations. I need your help on this matter. Thanks
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. 

I no longer live at the following addresses. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA XXXX
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2023-07-25
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 recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account?

* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (AZ)

During Covid my daughter became extremely sick and they had the deferment plan. Then after her release from the hospital payments returned.

She did not return to work and her unemployment benefits were messed up and did not receive a check for almost 10 weeks.

This is when the fees started. Her and my son-n-law have made every payment but they have been late. They admit that they are late but unfortunately they have no choice. The medical bills are high and just making their bills is hard.

They try and make it when they can but the late fees are crippling to them. There is currently almost a whole other " payment '' due just in late fees. They pay {$5.00} extra each payment but they will never get ahead.

We have tried to ask the service for either a skipped month so they can pay the late fees or have the late fees removed and they keep telling them they do not qualify. 
They really need help. 
The loan is in mine and my son-n-laws name. 
Any help with them would be greatly appreciated.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.