davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2018, Wells Fargo Bank shut down my account along with any and all access to it without notifying me. When I went into the bank for clarification of this, I was told that " Wells Fargo has made a business decision to part ways with you because your account is considered a security risk due to too many claims ''. No correspondence was made prior to this, besides what I have attached from the messaging service they have on their website which states the account was being terminated. They also activated my debit card seen on the letter provided without my permission after they has already closed it.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (FL)

I have disputed the following accounts with credit bureaus as I have no knowledge of them and they do not belong to me, but the accounts are still reporting : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX Credit Card account XXXX XXXX. XXXX XXXX Bank account XXXX XXXX. XXXX XXXX XXXX account XXXX
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (FL)

I received a forebearance as a result of my financial hardship due Hurricane Irma. I repeatedly attempted to work with Seterus regarding a modification. Three days prior to the forebearance expiring, Seterus informed me that I am not eligible for a modification because the loan has been modified 3 times already. One of the modifications was due to funds received by the State of FL due to the hardest hit program. The other second modification had an incorrect amount and the third modification was done to correct that amount and lower the interest rate. Seterus wrongfully denied me the modification. I am a XXXX year old veteran of the XXXX XXXX and I submitted all necessary paperwork to have the modification approved. I only asked that the back payments be added to the principal balance and the loan recalculated.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Advantage Credit, Inc. (GA)

Attention Credit Bureau Management : I am a XXXX veteran. I am unable to work due to my XXXX. I have been in deferment for quite some time. I am trying to purchase a house and all 3 credit bureaus has late payments that is holding me back. 
Account # XXXX XXXX shows : XXXX of XXXX  180 days late, XXXX of XXXX  180 days late, XXXX of XXXX  180 days late. 

XXXX shows : XXXX XXXX  120 days late, XXXX XXXX 120 days late, XXXX XXXX 120 days late XXXX shows : XXXX XXXX 120 days late
Consumer complaint received 2017-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

I was informed that my account with Lowe 's was closed on XXXX XXXX, 2017 due to a drop in my credit score from  XXXX and outstanding debt along with recent delinquency that does not exist. I informed them that I had increased balances in paying off my daughters college tuition and sold my home to payoff the debt. I have been a good customer with them for 6 years with no problems and this was an arbitrary action. I read several consumer reviews on Lowes and the same  complaint as mine is a common characteristic complaint of Synchrony Bank. They waited until I paid off the account to close it with no warning.
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: OLD NATIONAL BANCORP (IL)

First Midwest bank now known as old national bank completely miss handled The situation, lost my funds, my E statements to go along with it, and refuses to do anything about it and its been over two weeks. Starting XX/XX/2022 I was no longer able to use my card and the remaining funds I had on it. XX/XX/2022 I could not access my online banking nor could I set up my online banking because of a system failure on their part. XX/XX/2022 I went to the bank next to the XXXX in XXXX, IL And it was the most awful service I think Ive ever had! Not only was I told that I was going to get back to you after being there for two hours no one got back to me and I was told that hopefully itll show up between a week and a month from now I have no funds to feed my children no funds for emergency cases And I have no card to use. Ive tried getting in touch with people higher up but the people at the branches make it much harder to do so. Ive been crying for a while now I feel like theres no end to this my money is lost and no one is willing to help me
Consumer complaint received 2022-10-25
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. (IL)

FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

As a federa

lly protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consume
r DEMANDS the following below : Account Name : FAIR COLLECTIONS AND OUT Account Number :
Consumer complaint received 2018-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I followed all the instructions from Equifax and contacted the company, their response was yes payments were received and the account has been sold, so although paid the other company now has the account. I asked if XXXX knows that its paid in full why wont they reports the account as paid?. Infield a complaint also with the FTC They gave me information on fraud Response to your complaint Ref No. XXXX. 
Thank you for contacting the Federal Trade Commission. We have reviewed your complaint and have determined that the following information may assist you.

10 Ways to Avoid Fraud - http : //www.consumer.ftc.gov/articles/0060-10-ways-avoid-fraud The Florida Consumer Collection Practices laws, 559.55 to 559.785. 
This indicates to me there is some fraudulent activity from XXXX and Equifax. I have submitted the documentation that account is paid and it still stands on my credit as a refusal to pay and preventing me from increasing my credit score to purchase a home. The account is paid and to be advised to contact the reporting agency is crazy and also illegal.Florida has enacted additional laws that supplement the FDCPA, and may provide you with even greater protection than the FDCPA if you live in this state. Florida 's Consumer Collection Practices Act ( FCCPA ) protects you from abusive debt collection practices. Like the FDCPA, the Florida CCPA covers debt collectors. 

I have a private cause of action a creditor or debt collector has harmed me and are in violation of the FCCPA. This means that I can file a lawsuit in Florida against the collector or creditor. I may be awarded : actual damages statutory damages not to exceed {$1000.00} possible punitive damages ( at the judge 's discretion ), and attorneys fees and court cost I will move forward and also file a complaint with Florida 's Office of Financial Regulation. 

A debt collector ( but not a creditor ) uses abusive or deceptive collection behavior, I know I may also be able to sue under the federal FDCPA. For more information, visit  XXXX 's Illegal Debt Collection Practices The FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Only debt collectors are required to register. Those who are exempt from registration include : original creditors attorneys banks and other financial institutions, and real estate and insurance professionals. 

Remedies for Failing To Register An unregistered debt collector may be subject to administration fines of up to {$10000.00}, plus attorney 's fees and cost.
Consumer complaint received 2020-01-31
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. (KY)

I opened a account with XXXX XXXX in XX/XX/XXXX. I paid off the loan in XX/XX/XXXX. It still appears with the credit bureaus after 7 years and I contacted XXXX XXXX XXXX on XX/XX/XXXX they stated it would be removed from my XXXX  and Equifax bureaus but it has not yet been deleted.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a Capital One 360 checking account that I use to pay credit cards via auto bill pay. On XX/XX/XXXX and XXXX, 2022, Capital One paid the same bill twice ( XXXX XXXX ) -- the value of each payment was {$1600.00}. On XX/XX/XXXX, I spoke with a Capital One fraud XXXX who told me this was a SYSTEM-WIDE processing error for customers on those dates, that the money had already been sent to XXXX, and that I needed to dispute one of the payments. He assured me that this was the correct protocol, that only one payment would be pulled back, and that Capital One would refund any fees that XXXX charged me as a result of this processing error. On XX/XX/XXXX, Capital One " pulled back '' one payment ( value : {$1600.00} ) ; on XX/XX/XXXX, Capital One disputed the second payment ( value : {$1600.00} ). XXXX never recognized the receipt of two payments from Capital One ; the disputed payment led to : returned fee charge ( value : {$27.00} ), interest charge ( value : {$6.00} ), affect on credit score, and cancelling of Capital One account as a payment option. I used a XXXX account to pay the XXXX bill, with fees/interest ( as listed above ). On XX/XX/XXXX, I asked for Capital One to refund the fees that XXXX charged due to Capital One 's processing and handling errors. Capital One refused any refund and claimed that XXXX was at fault.
Consumer complaint received 2022-07-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

XX/XX/XXXX I received an email regarding my private loans and was wondering why my payment has increase again, I have been paying on this loan since XXXX and the balance has never changed, there are thousands of people not even paying there loans and they keep increasing my interest rates, how the XXXX can a person ever pay off their loans when they keep increasing the rates, then they don't even notify me of the changes. After XXXX  years of paying on this loan my balance has remained the same, never changing in fact it has went up instead of down, so these predatory lenders who give us money to education institutions are bleeding money out of us for financial gain, if I new that XXXX XXXX and Navient were such a scandalous institution I would have never borrowed a single XXXX from them because in XXXX  years they have made over XXXX dollars off of me and my loans are only XXXX, and my balance is still {$32000.00}, this is a crime, and I still have XXXX years to pay this off imagine {$370.00} for 156 months is the total of {$59000.00}, plus the already approximate XXXX I have paid, sad that I have to pay XXXX for loans that are only XXXX what a grand profit for Navient, what a scandalous institution the education sector has become, public or private loans does not matter. The government and these other institutions are stealing from the American people who tried to do better by going to college which has also become a racket, it is a XXXX XXXX shame that this country does not offer a quality education to individuals without having to sell our souls for it. I have XXXX loans that will never get paid I will be dead before I ever see a change in my balance, XXXX.
Consumer complaint received 2020-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (VA)

I ordered XXXX debit cards for my kids to learn how to manage money. It worked up until today. I received a notice that XXXX is having difficulty transferring money from PNC Bank because they made a change that rendered the link useless. As of right now, I can't transfer money to my kids accounts and am frustrated that PNC would dictate where I can transfer my money.
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Kohls has transferred this debt to a bottom-of-the-barrel debt collector that can't even accept payment. I have tried to deal with kohls and this is the final attempt before I file legal actions against The person in charge of this case personally and kohls separately. This company refuses to accept payment and is reporting incorrectly on the credit report. It is unbelievable that this company gets away with this day after day.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
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 2018-10-30
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. (OH)

I have a unverified account from a XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never done business with these companies. 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. 
So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. 
Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2018-10-30
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. (MN)

I am a victim of identity theft. The following accounts and credit inquiries listed on my Equifax and XXXX credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Consumer complaint received 2022-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (UT)

My loans were transferred from my fed loan to Aidvantage prior to my refund request being processed. And now it has been nearly a week and Aidvantage still doesnt have my transferred account or refund request.
Consumer complaint received 2022-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

On XXXX XXXX, I received a very harsh demanding letter from the PNC Insurance Department which was dated XXXX. The letter stated there was a lapse in coverage from XXXX to XXXX. I dont agree with you on this matter. My old insurance policy ( XXXX ) was canceled at XXXX PM XXXX XXXX and my new insurance policy ( XXXX ) went into effect XXXX AM XXXX XXXX. If you call, one minute a lapse time to get {$14.00} I can't believe that PNC company is that desperate. Also, on the letter that I received you show a coverage amount of {$35000.00} not sure where that amount comes from. 
My understanding is that the definition of a day is a period of twenty-four hours as a unit of time.
Consumer complaint received 2022-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.C.S. Companies, Inc. I (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX XXXX XXXX Account Number :
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX accounts # 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 also states a consumer reporting agency can not furnish a account with out my written instructions.

I have sent in a certified dispute letter into Equifax twice and the only response they have sent back is for me to verify my identity even though both disputes had a valid copy of my license and social security card. The second letter i included a copy of my Equifax report and I circled the accounts in questioned. It has been over 30 days for the time of the dispute and they have yet to investigate
Consumer complaint received 2022-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX, I was a victim for Identity Theft ( XXXX Scam ). I contacted XXXX over the phone on XX/XX/XXXX and asked them to lock down my accounts. I visited my local Chase bank in XXXX on XX/XX/XXXX to close my checking and get a new checking account and credit cards. This individuals of group transferred {$16000.00} from a XXXX XXXX IRA account to my Chase checking account. {$1600.00} of that transfer went to the IRA to cover taxes, so Chase recieved a net transfer of {$14000.00} on XX/XX/XXXX. 
I asked Chase to reverse the transfer on XX/XX/XXXX. The transfer was in pending status until in was posted on XXXX. From XXXX to XX/XX/XXXX I was on the phone for hours with both Chase and XXXX attempting to locate the money. XXXX XX/XX/XXXX XXXX was able to arrange a 4 way call with Chase, XXXX XXXX XXXX ( who managed to IRA ) and myself. During that call Chase finally admitted that they had the funds in a holding account and that it would take up to 20 days to process since this was a fraudulent transaction. I attempted to explain to them that this transaction was not fraudulant and it was a result of a request I made to have the funds returned to the account they came from. 
I waited the 20 days and again contacted Chase on XX/XX/XXXX since the funds were still not returned to XXXX. After being transferred 5x and being on the phone for over an hour again, chase informed me again that I need to contact XXXX that the money was returned on XXXX. I again told them that was not possible since Chase told myself, XXXX and XXXX on XX/XX/XXXX that they had the funds in a holding account. 
After hanging up with Chase I contacted XXXX on XX/XX/XXXX and let them know what I had discussed with Chase. XXXX again intiated a XXXX call with Chase. The rep from Chase indicated they could not accept a 3-way call and I infomed her we just had a 3-way with her department 2 weeks earlier. We continue that call with her with no success and I asked to speak with her Manager. We werre connected to her manager and continued the call. We were talking a XXXX in the Claims Department.Chase indicated they could provide a return code and then lated admitted they did not have one.XXXX  indicated a return code was an internal Chase number and would not help them track the transaction any way. Chase also indicated they have no trace information after XXXX asked them for a trace number. Chase now says they do not have the funds and they have no record of a rejection on XXXX. XXXX said she ha no more information for me and that I need to put a request on the Chase on line as the next step. XXXX asked Chase for a XXXX reference number for the transaction. They said theyhad no information on the return. Chase opened up a contact ID number of XXXX and told me to call back in 48 hours. 
As of today I am out the {$14000.00} GChase removed from my checking account and I need to keep chasing Chase for a resolution. I am further behind where I was on XXXX.