davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

Yes my dispute relates to all three credit reporting agencys. But the most troubling is XXXX. Igor instance we can look at an account on my report under university  XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XX/XX/XXXX and later in XX/XX/XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XX/XX/XXXX. Its being updated in a way to appear newer in my report than it is. XXXX is impossible to deal with and Im getting tired of not getting help.
Consumer complaint received 2022-06-25
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. (CA)

in accordance with the Fair Credit Reporting Act 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-11-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

My mortgage was originated by XXXX XXXX XXXX  ( XXXX ) on XX/XX/XXXX, who sold my loan to XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX, who placed my Dept of VA loan into the XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they used XXXX procedure of endorsing the Mortgage Note in Blank making XXXX XXXX the owner of the Note, however not owner of the debt as they did not and could not purchase the debt. 

XXXX when out of business on XX/XX/XXXX, when the FDIC declared it a " failed bank '' at that point in time no payments should have been collected as a financially interest party was owed anything. Wells Fargo Bank started servicing my loan on XX/XX/XXXX, as part of the servicing deal between XXXX XXXX Wells Fargo Bank ( Wells ) on XX/XX/XXXX. 

Wells had an outside legal firm in XXXX XXXX XXXX create a fraudulent document in the form of Assignment of Deed of Trust on XX/XX/XXXX forged by Attorney XXXX XXXX performing fraud as Asst Secretary for Mortgage XXXX XXXX XXXX XXXX ( XXXX ). XXXX made it appear as if Wells purchase the loan debt on XX/XX/XXXX from XXXX XXXX XXXX who had already sold the loan back on XX/XX/XXXX to XXXX. No one but the " holder in due course '' has the right to place a lien against the property for a mortgage loan debt. 

Wells has in several writing has stated it purchased the loan and then admitted that it was not the owner and was working for XXXX XXXX. Wells or XXXX XXXX are not the owners of a mortgage debt I owe and as with ever single loan placed into a XXXX XXXX XXXX it is done by separating the Note from the debt by the blank endorsement! 

Wells needs to provide me with a bank wire transfer or cancel check showing that either they or XXXX XXXX purchased the debt. Wells could not legally deliver and have recorded the Assignment of Deed of Trust in their name. 

I enclosed the Note which show the blank endorsement and assignment plus the letter from the FDIC verifying the sell of the loan from XXXX to XXXX of XX/XX/XXXXXXXX XXXX
Consumer complaint received 2020-01-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

1. On XX/XX/XXXX I sent a wire transfer -- XXXX Euros. The bank charged my account {$35000.00} USD for this transaction. 
2. On XX/XX/XXXX, the wire transfer was returned and my account was refunded {$33000.00} USD. That is a difference of {$1200.00}. 
3. On XX/XX/XXXX, the local branch forwarded the dispute to the research department. 
4. On XX/XX/XXXX, the case was forwarded again. I was told that the local branch marked the dispute as confidential and the research department could not read it. 
5. On XX/XX/XXXX, I contacted Customer Support and was told that the agent assigned was XXXX. 
6. On XXXX, XXXX I received an email and was told that the agent assigned was XXXX . 
7. On XXXX XXXX, I spoke with someone in the Executive Office and was told that there was nothing that they could do. I requested confirmation of exactly how many Euros were returned. I was told to visit the branch office for that information. At that time, I initiated another complaint. 
8. On XXXX XXXX, I received an email that the case manager is XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (NJ)

ERC sent a letter saying I owe XXXX {$3600.00} and that the debt can be settled by paying {$2700.00}. They seem to suggest going to XXXX or XXXX and arranging a cash payment. No specific individual is mentioned in the letter nor am I able to know where the original debt is from. I received no, original statements from either one of these companies. 
I have had no business with XXXX since we began using cable for our phone service our and XXXX for cell phone service and never carried any debt with any one. I feel that I am being scammed and want to end this harassment right away. 
Thank you, XXXX XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (OR)

My bank account has been frozen or blocked without proper notice. The account was frozen on XX/XX/XXXX. I called the bank and was connected to the fraud department. They instructed me that they could not access the account, there was nothing I could do, and to call back in 48 hours. I called back on XX/XX/21 and they told me the same thing. I worry my account has been closed without any notice, and I will suffer inconvenience and costs by not having access to my account. The bank has not given me information on why my account has been frozen, nor anyway to contact those in control of my account. I have received no communication from the company with regards to this issue. No mail, e-mail, or phone calls.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX CFPB : I have tried many times talking to WELLS FARGO BANK ( Credit Card Dept ) bur they keep updating the information they reported initially on my XXXX Credit Report, so I decided to close the account. 
This is the way it is reported by XXXX : Account Info WF CRD SVC Closed 3 late payments Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX - Credit Limit {$6000.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX They report 30 days late in XXXX and then again 30 days late in XXXX and that can not be correct, if I paid the first 30 days late then it had to be current next month, if I didn't, it would have to be 60 days late they report 30 days again ... then late in XXXX .... 
The Fair Reporting Act says that the information on a credit report has to be timely, verifiable and accurate. 
The information is not accurate and should be removed from my XXXX credit report. 

Thanks XXXX XXXX
Consumer complaint received 2022-10-05
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)

In accordance with the fair Credit Reporting act XXXXt Accounts # XXXX, # XXXX, # XXXX and XXXXXXXX XXXX  have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-13
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: I.C. System, Inc. (VA)

In accordance to the fair credit reporting act XXXX  account I C Systems Collections, has violated my rights in Pursuant 15 USC 1681 section 602 A states I have the right to privacy. Also violated is 15 USC 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/ instruction.
Consumer complaint received 2020-01-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I sent a letter to the credit bureau on XX/XX/2019 to investigate my credit report where there is an account ( XXXX  XXXX XXXX ) which is not mine. It has been over 30 days since I sent the letter but I still have not been notified of the investigation status or results. The agency has not complied with their 30 days notice of completing a investigation.
Consumer complaint received 2021-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

THE BALANCE WAS PAID OFF AT AN AGREED AMOUNT AND AGREEMENT IT WOULD BE REMOVED FROM MY CREDIT REPORT PER XXXX XXXX AND XXXX XXXX WITH XXXX XXXX XXXX.
Consumer complaint received 2021-02-10
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (TN)

After carefully reviewing the credit card statement, there were unfair credit billing with your credit card practices. I would pay the monthly statement online on the due date but your system says that I did not pay until the next business day. I was charge late fees because of this. Please send me proof of charges. What was the prime rate for finance charges?
Consumer complaint received 2022-06-25
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. (AL)

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

The XXXX XXXX XXXX, ( PHEAA ), who use to be my loan servicer for my daughter 's parent or/ & direct plus loan, ( which is my name ), has ordered or hmade my new loan servicer, XXXX XXXX to add the direct plus loans from XXXX XXXX  XXXX XXXX XXXX XXXX added in with the other loans I had consolidated. Problem is that I requested in writing for this not to be done to the XXXX XXXX as well as XXXX XXXX. XXXX XXXX stated via phone conversation that they aren't allow to go against the XXXX   XXXX XXXX  ; however, the XXXX XXXX XXXX  keeps locking me out of my login account with them. This is making it so I am unable to sign in to send them a letter, asking why are they having loans that are in dispute & under investigation, consolidated? 
According to the written instructions even of the " borrower defense refund cancellation form '' dept, they have up to one yea to do an investigation on any case they take Then they any loan amounts in dispute, must be put on freeze! I already contacted the XXXX XXXX XXXX. about this already. Why did they still do anyway .... Oh, sreset my login infor. uso I can request & order for new login ...
Consumer complaint received 2022-01-10
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-12-09
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. (PA)

XXXX reported my student loan as delinquent. Per Covid relief cares all student loan payments should be paused and no collection effort should be reported until XX/XX/XXXX, XXXX XXXX has also been applying interest to my student loan. Not complying with Government policies. I have a subsidized and unsubsidized student loan through XXXX and they are federal loans.
Consumer complaint received 2022-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Couch Lambert LLC (TX)

1. On XX/XX/XXXX, I, XXXX XXXX entered into a settlement agreement XXXX XXXX XXXX XXXX XXXX in regards to Cause No. XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX In the 9th Judicial District Court of XXXX XXXX XXXX TX XXXX 

2. XXXX XXXX XXXX claims to represent XXXX XXXX in Cause No. XXXX on an alleged debt of {$30000.00}. A full settlement amount for {$16.00}, XXXX was reached with a payment schedule of 16 months. 

3. On or about XX/XX/XXXX I received a letter from XXXX XXXX, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$450.00} in reference to File Number : XXXX. 

4. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

5. On XX/XX/XXXX, I sent a follow up email to XXXX XXXX XXXX, Collection Manger ( XXXX ) requesting an accounting of payments made to File Number XXXX. I did not receive a response. 

6. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX, Attorney ( XXXX ) and XXXX XXXX, Director of Operations ( XXXX ) also requesting accounting of all payments made to File Number XXXX. 

7. On or about XX/XX/XXXX I received a letter from Couch Lambert, a law firm located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, demanding payment for {$15000.00}. in reference to XXXX XXXX : XXXX ( See Attached Exhibit C ) 8. At no time have I ever received a response to any of my requests for the accounting of all payments made to file number XXXX. 

9. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. On XX/XX/XXXX, I sent a request for validation to Couch Lambert, LLC who is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX in reference to Account Number XXXX XXXX. As of XX/XX/XXXX, I have not received any response from Couch Lambert, LLC or XXXX XXXXXXXX XXXX to any of my attempts to communicate.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-13
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. (VA)

XXXX, Equifax XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC (VA)

My checking account was charged an unauthorized charge from Zelle. My bank name is XXXX XXXX Bank. Zelle charged my checking account without any authorization. I have never had any dealings with Zelle and don't know who they are or what they do. I want my money back.
Consumer complaint received 2018-04-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: ACI Worldwide, Corp. (PA)

I attempted payment of {$5100.00} to XXXX on XX/XX/2018 for City of XXXX XXXX tax. My multiple attempts to use the free e-check option were denied. A customer service rep informed me that the e-payments were not possible to the City of XXXX at this time, but a fix is in process. I reluctantly chose to continue with a debit card even though there is a fee. After choosing the payment option of " Debit Card '', accepting the expected " convenience fee '' of {$5.00} and entering all required information, the error response was " enter valid card number ''. I tried several more times with the same result. I was on the phone with a second customer service rep and she told me that for debit cards with a chip, you need to choose the payment option of " Credit Card '' instead of " Debit Card ''. Notably, she stated that the XXXX system has " always been that way ''. With the rep on the phone I entered my information again using the same debit card, but selecting the " Credit Card '' option as instructed. This time the " convenience fee '' was {$120.00}. As I had been through this process several times previously with a stated {$5.00} fee for a debit card, I almost clicked through to complete the transaction. 
Clearly XXXX payment portal is designed to collect unjustified fees in the form of a percentage of the payment ( in this case 2.5 % ) for all debit cards with a chip, which must be processed as credit cards on their payment portal. In the case of my incomplete transaction, XXXX would have overcharged {$120.00} for the 'convenience fee '. There is no obvious indication on the payment portal that debit cards with chips must be treated as credit cards. It is my understanding that debit card fees can not be excessive and are in a different category from credit cards. I believe that XXXX is fraudulently charging excessive fees on debit card transactions by forcing the debit card with a chip to be reclassified as a credit card in order for the payment to go through.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NJ)

Dear sir/madam : I would like to report coinbase for an unauthorized transfer if my miney to a non existing wallet ( XXXX  ). 
I bought XXXX worth of LITECOIN  ( LTC  ), a type of cryptocurrency, onXX/XX/2021 @ XXXX XXXX according to the transaction records.ive been trying to withdraw the miney to use for emergency, but to my surprise there is no way to withdraw it because it is in a wallet that only coinbase knows the answer why it is there.please help me as this is a serious problem for investors.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I had unknowingly cashed a check online through Chase Bank. The check was sent to me through an unknown person who claimed to have been the accountantof someone I was talking to through XXXX. The check looked photoshopped but I had thought it was too good to be true. The person I was talking to on XXXX claimed he wanted to be my sugar daddy and said he was send me {$500.00} dollars each week as my allowance. I believe fully that I was scammed as the check didnt go through at all, and now I am in the negatives on my checking account.