davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: GOLDMAN SACHS BANK USA (CA)

To whom can resolve my concerns ; I have been a long-time customer with XXXX XXXX XXXX XXXX XXXX. Over 10 years. This credit card has been my primary card. Without any desire or request on my part, apparently, this card is now associated with a company called XXXX. I have not received anything in writing or a statement about this change. I was notified of this change through an email sometime in XX/XX/XXXX. I was told that a new card and additional information was coming and I continued my payments to XXXX XXXX XXXX XXXX. I have not received a billing statement since XX/XX/XXXX. Additionally, Last week I was communicated through an email that my account is how delinquent. Furthermore, through a phone instruction recording, it indicated that payment could no longer be made through XXXX XXXX. ( without possession of a card, contract, or statement, I do not have an account? ) I have attempted to make contact through phone and email without any success. Unable to create an account online without an account number ; I am unable to acquire information through that process. 

This information was sent to the XXXX XXXX corporate office ; XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ) I have been waiting for nearly one month for my XXXX card so I can set up payments through my checking account. 
2 ) Your phone messages indicate that my payments are now required to go somewhere else therefore ; I do not know where my payments are going. 
3 ) I have been making payments to XXXX XXXX. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and more. 
4 ) I have been waiting for a statement and payment information? 
5 ) I have awaiting to view a contract and other information regarding this new/transferred account. 
6 ) I am unable to discuss my concerns with your company and I refuse to wait on hold for over 45 minutes with any company. 
7 ) To add to the insult ; I can find no way to contact you through your Web without an established account. Without information and an account number I can not set up an account in order to view information. 
8 ) I will make no more payments on my XXXX XXXX until I acquire an understand of the account status and verify most recent payments to XXXX XXXX 
9 ) A XXXX representative can call me within 20 days this writing. 
10 ) Beyond that ; you can cancel this apparent account. I will resolve payments on the account afterwards upon verification and a suitable understanding. 
11 ) I would reference an account number however ; I dont know if I have one. Also, Who are you ; I dont know anything about your company. 


XXXX XXXX XXXX XXXX
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CO)

I received notice of right to dispute a debt. I sent the collection agency to give me more information about the debt being in question. I sent the letter by registered mail via USPS ( XXXX ) and never got a response from the collection agency, the information i requested for. Per USPS, the collection agency did receive the letter on Monday XXXX XXXX, 2016. But the collection agency acted as if they did n't get any response from me. After a month or so I received another letter to pay the debt since it is delinquent. The communication tactic they are using is very subtle to force me pay the debt i am disputing and requested for more information. 
For your information I did n't have any information about this debt until i received a notice of right to dispute. The Company who thinks that they have money from me supposed to contact me before they send me to the collection agency.
Consumer complaint received 2022-11-23
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2022-03-16
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: JPMORGAN CHASE & CO. (NV)

Hard inquiries on my credit. 

XX/XX/XXXX credo XX/XX/XXXX XXXX XX/XX/XXXX jpmcb
Consumer complaint received 2022-03-16
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: CITIBANK, N.A. (WI)

My identity was stolen. I believe it happened at a Costco gas station at XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I bought fuel XXXX XXXX. On XXXX XXXX XXXX my address was changed and a Citi card was open with my name. The address was not my address and I did not open a new Citi card. I found out by not receiving mail and a water company emailing me that a bill was returned. When I went to pay the bill I received the letter from them with the fraudulent address attached to the letter. 
I filed a complaint with the post office, notified the credit card company and put a block on my ID. with XXXX and they told me to file a complaint with you. 
The address they used was XXXX XXXX XXXX XXXX XXXX AZ. XXXX
Consumer complaint received 2016-05-15
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MS)

I obtained a loan from Wachovia Bank in 2008. Wachovia was later bought out by Wells Fargo. The following issues warrant my complaint : -I recently received loan documents from Wells Fargo -The property land description is incorrect and the property street name is misspelled -My initials are forged on the land description page ( hand-numbered as pageXXXX ) -The loan was originally a fixed rate conventional mortgage loan ; however, when the loan was changed to Wells Fargo, Wells Fargo changed the loan to a home equity without consumer knowledge or consent. Such change restricts refinance options as opposed to conventional mortgage loan ( based on information I 've been given by Wells Fargo mortgage representatives )
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-03-16
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. (TX)

Accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section states I have the 602A right to privacy.

15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish a account with out written instructions.
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, 2016 I was informed by Wells Fargo that a check had been cashed at the XXXX, Florida Wells Fargo branch. It seems that someone had taken an image of a check my wife wrote, created fake checks, and went to Wells Fargo where they cashed the check WITHOUT getting any documents to prove the person 's identity. All Wells Fargo did was check the signature with an old check. The signatures did not match, however, the teller cashed the check anyway. We reported the theft to the XXXX Police department to investigate. The detective stated that Wells Fargo is not helpful in investigations but he would subpoena the bank for the surveillance video. As of XXXX XXXX, 2016, Wells Fargo has not complied with the subpoena. Please see the attached police report. Please force Wells Fargo to supply the surveillance video.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

I was a victim of predatory lending through XXXX XXXX ( now Navient ). I was given XXXX loans at 12.8 %, 10.25 %, and 10 % and at the age of XXXX and just recently graduated from college at XXXX. During this time I have accrued so much debt through student loans that I now owe {$170000.00}. I am unable to make my monthly payments and my federal loans have not even been added to my monthly payments yet. The company has not been willing to work with me to adjust my interest rates and have only offered to lower my month payments thus making me owe more in the long run. These interest rates are not what the next generation of students are being offer and have resulted in me being inundated with so much debt that I am unable to start a life after college. These companies need to be working with their older students who have been stunted by a very flawed system.
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MIDFIRST BANK (TN)

I have a closing on my new home in 48hrs XX/XX/XXXX. In order to close on time, I need my Partial Claim Payoff Statement. I can only get my Partial Claim Payoff Statement from ISN if my lender Midland Mortgage has filed my Partial Claim in the HUD computer system. I have email confirmations from HUD & ISN stating Midland Mortgage has yet to file my partial claim in the HUD system. I have reached out to Midland Mortgage several times trying to get them to file my Partial Claim in the HUD system. Ive been making phone calls, sending emails, sending faxes and letters to Midland Mortgage since XX/XX/XXXX trying to get this resolved. I need Midland Mortgage to file my Partial Claim in the HUD computer system immediately so that ISN can generate my Payoff statement and I can close on time this Friday XX/XX/XXXX Loan XXXX FHA Case XXXX XXXX XXXX
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Billing disputes — 
Company: WELLS FARGO & COMPANY (OH)

On XXXX/XXXX/XXXX I purchased an engagement ring and wedding band. The jewelry was purchased with a credit card agreement with Wells Fargo. There was no interest due if the total balance was paid within 12 months. I had problems with the engagement ring and filed a complaint with Wells Fargo within the 12 month period against the jeweler. Wells Fargo told me that the account would be put on hold and no payments needed to be made until the dispute was settled. Today I received a statement from Wells Fargo stating that {$850.00} in interest was due along with the balance on the jewelry. I called them and they said the dispute was settled. I never received anything stating that the dispute was settled. They said they sent a letter on XXXX/XXXX/XXXX. I never received it. The interest was charged on XXXX/XXXX/XXXX. The account was supposed to be on hold. This does not make sense. They will not remove the interest charge. PLEASE HELP!
Consumer complaint received 2017-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (TN)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-11-23
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: Mr. Cooper Group Inc. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harvard Collections, LLC (OH)

XX/XX/XXXX I had XXXX as my cell phone and internet provider. There was a break in service which came from a tower issue. My fiance needed the internet for her business ( which is XXXX ). The service was interrupted for XXXX days, even though XXXX had been contacted daily ( and sometimes several times a day ), causing my fiance to lose clients and thus, money. This caused a financial hardship for her. After the XXXX day, we were forced to shop for another internet provider. XXXX was advised, but continued to bill me for the service, as well as late fees and early termination fees.
Consumer complaint received 2016-07-23
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

I used western union to transfer XXXX $ from my bank account in United States to bank account in XXXX on XXXX XXXX, 2016. I received email stating my bank has received the amount on XXXX XXXX, 2016. When i contacted my bank in XXXX they informed me that they have not received any amount. Upon calling western union on XXXX XXXX, 2016 they told me to wait for 3-5 business days for the amount to reflect on my XXXX bank account. After 3-5 days ( XXXX XXXX, 2016 ) when western union was contacted by me to know the status they informed that my bank in XXXX has rejected the transaction and therefore, a refund is being processed for that amount which should reflect in my United states bank account within 3-5 business days. I called western union again today ( XXXX XXXX, 2016 ), I was informed that my transaction was completed and the amount was infact deposited in a bank account in XXXX which did not belong to me. I confirmed the bank account number and IFSC number with western union which was infact correct. I do not know where my money is right now. According to western union supervisor a case has been filed for the refund on XXXX XXXX, 2016, when I requested for a case ID number or any proof, he informed me that we can not provide you with that information. He told me it takes 20 business days for the complained to be processed and another 20 days for the refund to reflect in my account. Right now, I do not know where my XXXX $ are at. Please help me.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I 'm currently in bankruptcy and do n't understand why my balance still show XXXX owed.. I 've been paying since XX/XX/XXXX.. I do n't know if its because of how much I 'm paying or is it the interest.. I graduated in XX/XX/XXXX and the school that I graduated from is no longer here.. I do n't know if the charges are accurate..
Consumer complaint received 2022-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX at XXXX XXXX when trying to withdrawal funds from my Venmo account, I received an email stating my account has been frozen due to recent activity that appears to be a violation of our User Agreement. ( Direct quote from email ) Upon further review I did not violate any terms of the User Agreement. The email asked that I verify my identity with a photo of my license or government issued ID, which I did the same day. I reached out directly to Venmo customer service by chat and phone. They could not give me any answers, they would not tell me why my account was frozen, what User Agreement I violated, when my funds would be available, nothing. I reached out to XXXX XXXX and XXXX XXXX with only one automated response. I have detailed notes of everyone I spoke to and what information they gave me or couldnt give me. I got misleading answers from two different customer support supervisors. I have a balance of {$850.00} I was withdrawing that money because I need to use it, and now it is frozen with no response or answer on when it will be available to me.
Consumer complaint received 2022-03-16
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)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2022-03-16
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. (PA)

On or about XX/XX/2021, I wrote a letter to XXXX, Equifax and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, Equifax and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Consumer complaint received 2022-07-20
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: LEXISNEXIS (FL)

I sent a letter to Lexis Nexis which was received on XX/XX/XXXX ( See Certified Receipt ). In the letter, I disputed a bankruptcy record which according to both XXXX and XXXX, Lexis Nexis is furnishing this record and certifying it's legitimacy. A dispute for " validation '' and " completeness and accuracy '' was submitted and received by Lexis Nexis back in XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX notified me that the record was removed in accordance with 15 USC 1681. The case # for this matter is XXXX and the letter is attached to this dispute. The record in question is US Bankruptcy Court # XXXX. As of today XX/XX/XXXX, Lexis Nexis has not responded to my dispute and has continued to report this record to both XXXX and XXXX. Lexis Nexis has violated 15 USC 1681i and is required by law to remove this record.