davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

wells fargo provided in accurate information in there response to my last complaint XXXX and XXXX XXXX did not bother to answer 1 of the questions. Nor did she provide a call back number. when i called them regarding there response which stated my interest payment would {$60.00} in XXXX, yet they sent me a coupon reflecting interest due of {$110.00} on XXXX XXXX. when i called the XXXX back she had a XXXX XXXX call me on XX/XX/XXXX whom i spoke with she also called back and left her number and extension in my voice mail XXXX ext XXXX when i called back today there system tells me it's an invalid ext number. when. i finally get someone else on the phone at the XXXX option 1 and then 1 again, she could not find anyone to assist me in over 10 minutes and refused to transfer my call back to the XXXX whom had also sent me a letter regarding my complaint. 

Could you please start an investigation into wells fargo home mortgage loan servicing as i firmly believe they are making errors in there favor that is cause undue stress on hardworking american. 

Also could you please have them send me a new coupon with the correct interest payment amount on it which is what i had requested XXXX XXXX get done for me. My payment is due on XXXX XXXX and they are going to make me late if they don't either mail or e mail me a corrected coupon. 

I tried to get online access however i can't as wells fargos system still show me as having an open cc with them even though i told them repeatedly to close the account 3 or 4 years ago.
Consumer complaint received 2022-12-08
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: TRANSWORLD SYSTEMS INC (GA)

15 USC section 602 states i have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan a late for any purpose
Consumer complaint received 2022-12-08
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: ENCORE CAPITAL GROUP INC. (MI)

In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2020-09-07
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. (MN)

I contacted XXXX XXXX in regards to incorrect information on my credit report and they have not investigated my dispute. I have asked them for documentation on this account and have yet to receive it. They are reporting multiple inaccuracies, each credit bureau is showing different information. For example XXXX is showing date of last activity as XX/XX/XXXX, Equifax XX/XX/XXXX and XXXX XX/XX/XXXX. They continue reporting incorrect information on my report.
Consumer complaint received 2021-02-24
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. (MD)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-11-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

On XX/XX/2020 at XXXX XXXX  my account was drained of all the money I had which was {$400.00}. The account was presumably hacked or I believe Chime had something to do with it. Usually I login with my Face ID and it unlocks the app right away however the app had logged me out of my account which was very odd and to see that there was a transfer of {$400.00} to a XXXX XXXX I was very sad and hurt to see this because I need to pay bills and use this money for food. I just wish that Chime does properly investigate my case and return my money because this was definitely a transaction that was not authorized.
Consumer complaint received 2022-01-06
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. (OH)

Please investigate these matters and look into my credit report it had been more then thirty days and these items are still on my report these items have not been validated on my account have not received proper validation as to why these items are on my account have not received any proof
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (AR)

My Home Equity Loan with Wells Fargo has been paid off. I recently reach out and provide credit bureaus agencies documents of my Home Equity Loan has been paid off. It should've been reported to all three reporting agencies XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX Document By U.S. Department of Housing and Urban Development indicate Payoff to Wells Fargo Bank N.A. in the amount {$43000.00} XX/XX/2020 2020
Consumer complaint received 2020-07-06
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: Navient Solutions, LLC. (MO)

Hello, In XX/XX/XXXX and prior, Ive been going back and forth w/ Navient regarding several issues with my account. Being that several people were emailing me in regards to my concerns. No one was really checking my account for notes prior to contacting me after the last person. 

Anyway, the remaining issue still exists. On XXXX  report under Navient, instead of 2 accts. Only 1 acct. shows for Navient, that account shows as CLOSED, that acct. also has in the remarks section that they were included in my Chapter XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, XXXX XX/XX/XXXX ) IF you so choose look up this public record, it will confirm that NO STUDENT LOANS WERE INCLUDED IN MY CHAPTER XXXX BANKRUPTCY. I have told all 3 credit bureaus this repeatedly, they have not removed this information. I have requested repeatedly from the student loan servicers to have this information removed & reported accurately. Instead on my report it just shows, consumer disputed ... .consumer disputed. Im disputing but nothing is being resolved. Whats the point in going through their processes in contacting them if they dont care? Please enlighten me. It is MY credit scores that are effected. It is me, thats buying a home. 

They can send out the right paperwork when billing but not care what the credit bureaus report based on THEIR information. Thats not ok.I need all Navients information to be reported accurately across all 3 credit bureaus. There are 2 ( TWO ) accts. not one, both are OPEN, under no circumstances were either filed in my Chapter XXXX Bankruptcy. Correct it. 

ALL DOCUMENTS ARE ATTACHED.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Am writing to dispute these collections accounts. Under the laws of the FDCPA and under the advice of my attorney, I have already sent a dispute to the agency requesting validation of the debt with no response, asking them to validate my debts, and the receipt showing that I send this letter certified signature requested. This debt are not mine and I was given no evidence of my obligation to pay this debt to these collection agencies. Therefore, I have sent these agencies a Cease and desist Order and have complained to u CFPB. With that said, you are obligated by law to remove the item immediately before Im force to take legal action.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
Being that the payment history in inaccurate for both, this item must be removed from my credit report.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have sent a letter regarding identity theft and disputing the following accounts and I have yet to hear back from the credit bureau.
I am a victim of identity theft and have included a police report with this dispute. Items I am disputing are :  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 2022-12-08
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. (SC)

There is an unknown name on my credit report, my name is XXXX XXXX and I never used the name XXXX XXXX XXXX. Neither have I ever used the address XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2019-11-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (NJ)

I am trying to get an old mortgage cancelled of record. XXXX XXXX XXXX   XXXX XXXX XXXX is no longer in business and was merged multiple times. The most current successor in interest is PNC Bank but they do not have a record of this loan. 

The mortgage was for a HELOC in the amount of {$99000.00} made in XXXX. Nothing is owed, but we need to cancel it of record. 

I need to know who is the proper servicing agent with authority to cancel this mortgage. 

XXXX XXXX, XXXX. 
XXXX
Consumer complaint received 2021-02-23
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: BARCLAYS BANK DELAWARE (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX  XXXX XXXX and Barclays Bank Delaware. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC ()

I recived a debit warning from Transworld Systens informing I own a debit to XXXX XXXX XXXX XXXX  - Second, amont US {$1700.00}. 

I never rented a car in this company, they spell my last nome wrong. There wans't another informations as a invoice, date, or anyelse infomation that could make this debit real. 

I saw a lot of reviews about this colector company send fake bills. 

I'm not a american resident, I'm a tourist who come twice a year to spend vacations. The attempt to collect a debit was mail to my vacation home. 

I'm attached the attempt collect debit. 

I dont know what to do. I apreciate some instrution about what to do. 

Regards XXXX
Consumer complaint received 2020-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

I had initially filed a complaint with the CFPB on XX/XX/2020 ( complaint # XXXX ), to which the company respondedthat the {$1000.00} promotional credit will be honored withing a 90 day time-frame. 

The promotion involved depositing {$50000.00} which I had completed on XX/XX/XXXX. a 90 day period ( ended XX/XX/XXXX ) has passed. 

I am attaching a letter from CitiBusiness dated XX/XX/2020 which indicates that I have indeed met the qualifications for the promotion. To quote : " We have confirmed that your account has met the necessary requirements to qualify for promotion XXXX. Please allow 90 days from the date the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. Thanks for your inquiry. '' As the promised time has elapsed I have reached out to the branch manager of CitiBank at the XXXX XXXX NY location. She responded that the " back office '' is the one to issue credit but did not provide a way to contact them.
Consumer complaint received 2021-02-23
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: JPMORGAN CHASE & CO. (OH)

I retained a company local to zip XXXX, XXXX XXXX, to fix my air conditioning. They came to my home, which is on an island, on XX/XX/20 and charged {$140.00} for an assessment. I paid by check. They told me it was a part under warranty ( unit was only four years old ) and that it should not be much - there was no formal estimate but they came back to fix it on XX/XX/20. They told me it was fixed and charged me {$780.00}. At the time, they could not show me what those charges were due to Covid and i requested a breakdown of charges because they said the part was under warranty. They said it was labor and also they had cleaned a bunch of parts and it included a future visit to recheck. They couldn't provide a breakdown and i did NOT sign off on the services provided. They told me they would send me a bill copy when they got back to the office and to let them know if there was any issue. They demanded payment so i used my Chase Visa to pay, believing Chase would support any issue i had with the transaction. XXXX never sent a copy of the bill until nearly 10 days later and in the meantime, the air conditioning was still not working. XXXX sent me a quote for an additional amount to replace the compressor for {$1500.00} which included a CREDIT for the amount i had already paid! Obviously i did not have faith in this company and had the company that originally installed the unit, XXXX XXXX, quote me a price which was {$1800.00} which i accepted. They completed the work on XX/XX/20 which was the soonest they could get to the island in the summer. I also paid the {$1800.00} on my Chase visa. XXXX XXXX said XXXX had broken a part and valve also which they had to replace. The air conditioning was fixed. XXXX XXXX made a warranty claim on the compressor they replaced but found XXXX had already made the same claim ( despite not having the original compressor )! XXXX did not respond to my further inquiries and I disputed the charge from XXXX several times and spoke to numerous people at Chase. I explained to them XXXX was committing fraud. They refused to do anything or credit me for services not rendered or received as expected/paid for. After my first dispute they told me to redispute for a different reason then told me i was out of time as it had been more than 60 days. I refuse to pay the amount of {$780.00} to Chase or the associated interest. I have an excellent credit score and history and have never had any credit trouble despite divorce and numerous job losses. I have talked to Chase Collection and requested they not call me any more about this charge and explained to them why i will not pay however they continue hounding me. I'm attaching all the documents in reference to the dispute.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY (NJ)

I have notified Wells Fargo in XX/XX/XXXX that I had been furloughed from my job in XXXX due to COVID-19 and that I would be having trouble making the regular monthly payments on the account until I am back at work. 

I am still unemployed as my furlough has been extended indefinitely and my NJ unemployment benefits will end the week of XX/XX/XXXX. As such I will have no ability to continue to make payments on this account. 

As Wells Fargo has refused to provide me with a settlement on this account I will be forced to default on this account as of XX/XX/XXXX.
Consumer complaint received 2020-05-22
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. (CA)

I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX  XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.
Consumer complaint received 2020-07-06
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. (OK)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.
Consumer complaint received 2018-09-20
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)

XXXX XXXX is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to XXXX. That payment was for XX/XX/XXXX. I paid XXXX over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. XXXX is reporting XX/XX/XXXX, as the date became delinquent and never became current.