davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XXXX XXXX, XXXX Original balance {$2700.00}
Consumer complaint received 2021-11-23
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. The negative accounts that need to be removed are still reporting on my Credit Report. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00}
Consumer complaint received 2022-08-12
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. (AL)

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my dispute, please. Thank You.
Consumer complaint received 2021-11-23
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

XXXX have never had an account with this company NAVIENT XXXX XXXX REMOVE from all credit agencies from reporting. 
XXXX means any natural person obligated or allegedly obligated to pay any debt. According to XXXX XXXX Code XXXX ( XXXX ) XXXX.This letter is in pursuing XXXX XXXX Code XXXX ( c ) Ceasing communication XXXX am the consumer mentioned in XXXX XXXX code XXXX ( XXXX ) You are NAVIENT SOLUTIONS XXXX the XXXX collector XXXX XXXX XXXX ( XXXX XXXX I am invoking specified remedies under use XXXX XXXX code XXXX ( XXXX ) ( XXXX ) as a creditor I am demanding you to terminate all farther efforts pursing to XXXX XXXX Code XXXX ( c ) ( XXXX ) XXXX am the executor under the XXXX XXXX Code XXXX ( d ) pursing to XXXX XXXX Code XXXX A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) ( XXXX ) and ( XXXX ) XXXX.According to XXXX XXXX XXXX XXXX ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX XXXX XXXX XXXX ( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXX mentioned in the XXXX XXXX XXXX XXXX Unfair practices ( XXXX ) XXXX pursuing to XXXX ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX XXXX Code XXXX Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) ( XXXX ) ( A ) ( B ) ( XXXX ) XXXX. Mentioned in XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the XXXX Code XXXX and XXXX.
Consumer complaint received 2021-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

I am a public service worker, having been in the field since XXXX. I had my loans serviced through Pennsylvania Higher Education Assistance Agency ( PHEAA ) for a majority of the time when I first learned I was eligible for the Public Service Loan Forgiveness Program in XXXX. This was after not being told or encouraged to join through that servicer, who also had many loans tagged incorrectly, thus not reflecting the correct eligibility. I have recently re-certified my eligibility, but find PHEAA through FedLoan Servicing, only reflects roughly have the qualified years, telling me that there were forbearance they placed on my accounts when I would have been eligible for $ XXXX  monthly payments prior to and immediately following my marriage in XXXX. They have mismanaged my account that I have spent over 4 years trying to fix, with them now properly certifying my eligible years, but not that of eligible payments that they consider.
Consumer complaint received 2021-09-21
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. (VA)

I sent you a debt validation letter more than 120 days ago asking for your company to provide me with proof that I own this debt, and your company has failed to respond. I then looked at my credit report and noticed that you are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of your actions, you have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}
Consumer complaint received 2022-03-29
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: EQUIFAX, INC. (PA)

Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.
Consumer complaint received 2021-11-23
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Siggi LLC (TX)

I am XXXX XXXX, a natural person & a consumer. 

I decided to do business with this company, received the funds & saw in the contract that a finance charge was included. According to the truth in lending, the finance charge is the sum of all charges which means I should not have to pay cash. Everything is paid for with credit, I reached out to the company to let them know that & all of the laws that theyve violated & also sent them an invoice. They replied & said that theyre not subject to the FDCPA laws, and continued to take {$200.00} out of my account.
Consumer complaint received 2021-09-21
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: Paypal Holdings, Inc (VA)

1. I purchased some diamond rings from a website & paid for the rings by using my Paypal account. The purchase amount was {$99.00}. It took over six weeks to receive the items by USPS. The items, after inspection, were determined to be fake. I filed a complaint with Paypal on XX/XX/2021 and asked for a resolution and refund. Paypal sent me an email and asked me to refund the items to the seller. The recipient address is in XXXX. When I went to USPS to return the items, I was told by the USPS that the address must be in English so that they can send the package to the recipient. I informed Paypal this requirement by email and by posting to their Resolution Center and asked that they send me the address in English. Paypal acknowledged the receipt of the email but did not respond to the email or to my request posted at the Resolution Center. Paypal informed me that the seller did not receive the items and thus my claim was denied and closed the case on XX/XX/2021, even though they did not send the address of the recipient in ENGLISH. 

The item was sent to me from California. So, I do not understand why Paypal wants me send the item to XXXX rather than to the address in California? Sending the package to XXXX  will cost in excess of {$40.00}. 

The shipping address on the envelop : XXXX XXXX XXXX, XXXX, CA XXXX ( image attached )
Consumer complaint received 2021-09-21
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. (MS)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NC)

I have been dealing with Wells Fargo on accounts which were opened due to sales tactics in the aftermath of my Fathers death in 2010, but they have only dealt with accounts opened under Wells Fargo and not Wachovia. The representatives I dealt with were the same across all accounts and operated as Wells Fargo representatives in a post merger world. They should be looking at those accounts as well. I believe I was charged fees that drained my account and brought the balance to negatives thus accruing more fees.
Consumer complaint received 2021-09-21
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-11-23
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: CITIBANK, N.A. (NJ)

I had signed up to take training with tax lien wealth investors. They turned out to be fraud or something as they disappeared on me. I had XXXX recorded sessions and was supposed to have XXXX but the coach disappeared. In these recordings he actually says he does not even use the system i just bought. As well as had to ask him to turn down his tv cause I could not even hear him and he was not even paying attention to what I asked as he asked me to repeat after that. There is so much more prood i sent to the bank in prood that I have not gotten what I just spent XXXX usd. 
So I filed for a dispute and repeetedly refilled only to XXXX months ago being told they can watch video so I lost my dispute. 
The first dispute filed they took the money off the card. However after losing that dispute cause they kept asking for the contract and i sent what I had to sign but it does not state their responsibilities just a payment contract. They verbally told me of what the program will do for me. Anyway I lost the dispute cause they said they needed more information. So i reopen trying to send even more proof of emails and phone calls showing I was trying to get a hold on the company. Yet they open the dispute but kept the charges on my card and I paid interest on the money as I paid off the amount that should have just been returned cause this company is not giving as promised. 
Either way i continued to send more and more information for the past year over and over and XXXX months ago was told once again I lost the dispute becuase they could not watch the videos that clearly the coach tells me he does not even use the property edge program. Did not show up for our first appointment and late for the reschedule and next appointment. Please I need help to get this money back. Its not fair not only did I lose XXXX as of this date but also paid interest and think the bank should have really tried to help me with all the proof I have of being misled to get you to register in the first place to actually not being treated well and having to chase people and never even get the services I was supposed to have gotten. While they made it seem like are liens at this prices in the pics they never even accessed my finacial ability and creating a goal as promoised these are just the free training to get you to sign up i have sent as the recoreded coach sessions I would need your email as they are in my email. I really need help to get this money back onto my credit card at this point cause I have fully paid it off.
Consumer complaint received 2021-11-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

There is a bankruptcy reporting on my credit report that should not be. I have gotten documentation from the XXXX XXXX bankruptcy court stating they do not correspond with credit reporting agencies. I have gotten documentation from XXXX XXXX that the docket number to the bankruptcy in question is no longer reporting on their reports.
Consumer complaint received 2021-11-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I received a phone call that my phone 's caller ID identified as " Wells Fargo, '' my bank. The caller introduced himself as being from Wells Fargo, and said there was some suspicious activity on my account and that they needed me to log onto their website ( which is something that has happened before, and the call was legitimate ). As instructed, I logged on using the mobile app and they told me to send myself a money transfer via XXXX. I logged in but, thinking it seemed fishy, I asked them why I had to do this and got only a vague, mumbled answer. I hung up on them, not giving them any personal information or login info, but later my phone was acting strangely and then {$1500.00} was missing from my account. 

What I believe happened : the scammers took advantage of a serious security flaw in Wells Fargo 's tech, hacked my phone and got the info they needed to complete a transfer and sent the money to themselves. 

I called Wells Fargo that day and they said there was nothing they can do. I filed a complaint and received a letter saying my request for return of the funds was denied. I called them to ask them to elevate my complaint. I received a further call on XX/XX/XXXX reaffirming that there was nothing they were willing to do to help their customer of over 20 years who was scammed without giving away any personal information. Wells Fargo has a shady reputation but until now I had never had any complaints.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Wealthfront Corporation (CA)

Bank closed my account at there discretion which I find odd Ive had that account for almost a year already and now that Ive deposited a large amount to my cash account they suddenly closed it Prior to it being closed Ive done a bank transfer to transfer my money to my other bank account before it closed I try reaching out several times via phone but goes to a recording
Consumer complaint received 2022-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

I am paid twice a month, on the XXXX and on the last day of the month. I pay my mortgage on the XXXX of every month. I used to pay it on the XXXX of every month, but when I did that Flagstar Bank applied the payment to the prior month as an extra payment towards principal, reported me to the credit bureaus as being late on my payments, sent me to collections, and charged me late fees. Yes, they charged me late fees for paying my mortgage payment 10 days early!!! 

Now they are harassing me for being late on my payments on the XXXX of the month almost every month. I am within the contractual dates to pay my mortgage payments in full. Not only am I paying in full, I am over paying every month! My mortgage payment is {$1100.00} and I am paying {$1200.00} with the additional {$45.00} going towards principal. 

I didn't get my mortgage with Flagstar Bank, I opened it with a different company and everything went smoothly for the first two years I owned this house. Then Flagstar bought my mortgage and I have had nothing but problems with Flagstar since then. I'm not going to spend XXXX XXXX dollars to refinance with another bank when Flagstar can simply buy my mortgage from that other bank and start harassing me or charging me late fees when I'm paying my mortgage on time again.
Consumer complaint received 2021-09-21
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. (WV)

Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not make the charges. I ask that the items be deleted to correct my credit profile
Consumer complaint received 2021-10-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2021, I sent XXXX bitcoin in exchange for {$73.00} USD and I re-activated my old Paypal account so that I can receive the funds. I received the payment without a problem then I transferred the funds to my bank debit card. On XX/XX/2021 I sent XXXX bitcoins in exchange for {$100.00} and received the funds via Paypal, but this time they placed a hold for {$68.00}. Paypal also put limitations on my account which prevented me from transferring the funds and they requested documentation of my transaction. I submitted all the documentation proving the legitimacy of my transaction. 
They reviewed what I submitted and they approved my transaction and also removed the limitations from my paypal account. However {$68.00} was still being held so I transferred the difference of my payment which was {$39.00} to my debit card. At this point I figured since Paypal reviewed and approved the documentation that I submitted I didn't think there was going to be any more issues. On XX/XX/2021, I sold more bitcoins which was XXXX. In exchange I was to receive {$69.00} in my paypal. When I received the funds via Paypal, their system didn't allow me to transfer the funds to my debit card. So I called customer service and they advised me to go to XXXX to get my funds. I thought that didn't make sense because I was going to have to pay fees but regardless I showered and got ready to head to XXXX but when I got out of the shower, my Paypal account had an new message saying that I would not be able to use Paypal anymore and they put on a permanent limitation on my account which restricts me from transferring or withdrawing my funds. They said I violated their policy and told me that they were going to hold all my funds for XXXX. They accused me of embarking in gambling transactions but they didn't send me any correspondence or specific details on why they were accusing me of this. I already sent them my documentation and I have documentation proving the legitimacy of all of my transactions. They never sent me any proof on why they accused me of embarking in gambling transactions. I found it very offensive since they are accusing me of doing illegal activities and they didn't explain anything to me or send me any correspondence. All they said was that I couldn't use my funds and that they are going to hold my funds for XXXX months. I think this is outrageous and I think the right thing to do is to give me my funds since I DID NOT engage in any sort of gambling transactions. This is absolutely preposterous.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: ADP Inc. (MO)

I am a XXXX XXXX  and my pay for work is paid daily on a XXXX  card. Not only do they frequently create duplicate charges while a transaction is pending, they also deny transactions and then blame the merchant for holding the money. Most recently this happened to me at XXXX XXXX when I went to a self checkout lane and attempted to get {$40.00} cash back. It was declined. Later Monday night I called the automated line only to learn I had a charge on my account that shows it went through. Customer service informed me I would have to complete some dispute forms. They said it will take 45 to 90 days to resolve. That's great, a half days pay, I might get back after XXXX. I also contacted XXXX XXXX and they could offer no help. I've never had such a XXXX card as the wisely card. And they paid handsomely in the fees they charge to have such XXXX xs