davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The XXXX XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of EDUXXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Consumer complaint received 2022-12-06
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: Kikoff Inc. (CA)

My phone was stolen, and charges were made using my device at multiple merchants totaling {$1200.00}. I filed a dispute with kickoff lending and for whatever reason they claim that no funds will be credited to my account and this matter would be considered closed. I was sent a notice that served as a final resolution of the claim. I do not believe that they A thorough investigation of the incident and therefore should reimburse me for the funds that I had lost due to this theft. On XX/XX/2022, XX/XX/2022, XX/XX/2022, are the dates that that took place. The amounts are as follows {$820.00}, {$13.00}, {$240.00}, {$100.00}, {$38.00}, {$30.00}
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Consumer Finance Protection Bureau XX/XX/XXXX On XX/XX/XXXX we suspected fraud on our Wells Fargo Bank Account. We called the Wells Fargo Customer Service Number on the back of our Debit Card. Our call was intercepted and diverted by scammers to themselves. They posed as Wells Fargo Fraud representatives. They said they were there to help us secure our money. During that process they stole {$25000.00} from us via a wire transfer. 

We totally trusted them! We thought we were talking to Wells Fargo Employees! The scammers were able to intercept our call and divert it to themselves and operate as though they were Wells Fargo representatives. 

They said an online XXXX Gambling site was trying to steal our money. They said, they had set up a virtual bank account. We were to send $ XXXX via a wire transfer to protect us from losing it. 

On XX/XX/XXXX we brought this situation to the attention of a Wells Fargo Banker. She said the call, which we made using the number that is on the back of the debit card, showed up on their call logs. This Banker also said the wire transfer was done incorrectly. Upon reviewing the paper work for the wire transfer, she said a second person did not sign off on it and there was a lack of a pin number. She said, she would have never let it go through! 

We strongly believe that Wells Fargo should credit the $ XXXX back into our checking account. 
1. We followed the proper protocol, in calling the number listed on back of the Debit Card.

2. Their Customer Service Number was not secure at that time.

3. Mistakes were made on the wire transfer. It should have never gone through.

4. If the call to the Customer Service Number had been secure and gone to Wells Fargo, this situation would not have happened!
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The Case XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of XXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX % XXXX % XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Consumer complaint received 2022-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (IL)

I was given a line of credit in XX/XX/XXXX for {$10000.00} from Discover. I used the money for relocation expenses. Once I maxed out the card, Discover shut down my ability to ever use it again. I had not missed a payment, yet the card was shut down. In the 4 years since, I have missed exactly XXXX payment ( XX/XX/XXXX ). I have paid much more than the minimum amount due nearly every month. In total, to date, I have paid {$9500.00} of my {$10000.00} debt to Discover. According to their calculations, I still owe them {$7500.00}. I have been given credit for exactly {$2400.00} of the payments I have faithfully made. This can not be fair on any level, can it? According to them, {$7000.00} of the {$9500.00} that I have paid has gone strictly to interest. According to these calculations, I will basically never pay off this debt regardless of how much I pay. Thus far, Ive paid 70 % interest on the card. And I most definitely did not apply for this card with the notion that it would be a lifetime of debt. I have asked them, after years of a perfect payment record, to please lower the interest or to work with me in some way. I was told that there is nothing that can be done. Im sure if consumers knew what they were signing on for, a good deal of them would take their business elsewhere. I know I would have. I realize and appreciate that an interest rate is attached to all credit cards and loans. And sometimes, that rate can be pretty steep. But paying {$7000.00} ( and counting! ) in interest on a {$10000.00} card I should never be allowed happen. At this point, I am questioning the sanity of continuing to make these payments. Im not even treading water here, Im XXXX.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX  has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I contacted the credit bureaus to have addresses that arent mine removed XXXX said it would be off in 3 days they never removed the address and its so hard contacting them I just didnt even try to call again after 15 failed calls due to the idiotic robot and for Equifax I always have issues with them its just no reasoning with Equifax Im not asking for anything to be removed but a address Im not even associated with I have accounts on my credit report attached to the 1 address that should be on every bureau XXXX XXXX XXXX XXXX Ohio XXXX is my ONLY address please CFPB make these people fix this they want folks to jump through XXXX hoops just to do stuff thats very simple making empty promises wasting time and hours on the phone. I just want the XXXX XXXX XXXX address removed from both bureaus. I also have another issue with Equifax of course like always they havent even reported my XXXX XXXX XXXX  payment report reports to both XXXX and Equifax and equifax of course like always is being very stubborn for no reason. XXXX has done everything I asked perfectly fine. Its the other 2 Im having issues with.
Consumer complaint received 2022-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option
Consumer complaint received 2022-08-23
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (OR)

My credit limit was lowered from {$13000.00} to {$1500.00} at XXXX XXXX. {$8500.00} to {$4000.00} at CITI bank. This caused my XXXX credit score to lower l because of the credit utilization increase to XXXX  %, which in turn raised my Interest rates on the cards. This negative effect was caused by the 3 agencies. XXXX, XXXX and XXXX. 
My XXXX  score was XXXX and dropped down to XXXX overnight.
Consumer complaint received 2022-12-05
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I took my California Middle Class Tax Refund Card to the CHASE bank in XXXX, California to redeem for cash. I was informed that there would be a fee of {$5.00} to redeem the card for cash even though all the paperwork that I received indicated that the fee would only be {$1.00} I talked to XXXX bank tellers and they both told me that the {$5.00} fee is out of their control and that they must charge me this fee. On the local news that night a segment on " XXXX XXXX XXXX XXXX '' talked about the fee only being {$1.00}
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I Decided to check my Credit, because I Interested in buying a house for me and my Family I notice that there are Accounts that I did not Authorize someone must have used my Person Information without my Consent this is fraud and I want something done about this these people should not get away with this
Consumer complaint received 2022-07-29
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. (VA)

On Saturday, XX/XX/2022, I received an email alert from XXXX that a new account had been detected by Equifax on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX  " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the XXXX time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.
Consumer complaint received 2022-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Our home loan was sold to Wells Fargo. For the past couple of years Wells Fargo sends us notices that we need to provide them documentation for Hazard Insurance or they will purchase this and charge us for it. We have long used XXXX insurance. 

Our concerns are : 1 ). Wells Fargo uses the term " Hazard Insurance '' instead of " Homeowner insurance ''.

2 ). Wells Fargo provides a phone number - " If you have any questions, please contact us at XXXX '' however this number only has programmed information and as far as I could tell no access to ask a persons questions like : * Does hazard insurance mean homeowners insurance? 
* Do you need the entire policy or just a 'proof of insurance '? 
* Do you know when your web site will be working again so I can upload the information? 
* What is the timeline before you purchase insurance and try to make me pay for it? 
* Your letter states " we tried to get the new policy information form your insurance provider but haven't received it yet '' - what actions did you take and how can we fix this so we don't have to do this every year? 
3 ). Wells Fargo provided four options for providing insurance information : a ) Mail it to an address- but there is no indication of when this needs to be received and processed. 
b ) Fax a copy to a number provided- I don't have a fax, so this was not tried. 
c ) Go to a website www.mycoverageinfo.com/wellsfargo - however over several days - XX/XX/XXXX and XXXX, XXXX- this wasn't working " Upload Temporarily Unavailable - We are experiencing a technical issue and this feature is currently unavailable at this time. Please try again later ''. 
d ) Email you policy to XXXX. This ended up working for us after several days. 

Wells Fargo makes it difficult to demonstrate that one CONTINUES to carry home owners insurance.
Consumer complaint received 2022-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I have been a Coinbase customer since XXXX and have purchased XXXX 's of thousands of dollars in Cryptocurrency, but my account has been inactive for the last 3 months. The only cryptocurrency I currently hold with the company is XXXX which is being 'staked ' and in a 'locked ' status, unable to be traded. I hold thousands of dollars of this cryptocurrency with them. 

On XX/XX/XXXX, I received an email from them stating that my account is being closed, but not providing any reason why. Upon logging in to my account I am given the option of transferring my crypto to an external address. Given that XXXX is currently being upgraded, no other exchanges or wallets support trading of this currency, and you can not transfer it to an external wallet. So ultimately, the company is closing my account without reason, and failing to provide me a viable option for liquidating my account or transferring to a different wallet. 

On XX/XX/XXXX, I called Coinbase Support and told a rep my issue. I had to explain several times that they weren't providing me a viable option, and asked that they simply convert my crypto to US dollars and close my account. Finally, they said they need to transfer my call, and put me on hold for 30 minutes. Eventually the same rep came back on the line and told me that the issue was being escalated to a specialist, but that there was not much they could do. Over the next few days I had 2 interactions with Coinbase support on the reddit platform. When I pressed for a resolution, they told me " we don't have a specific timeline for when this will be fixed. '' A quick scan of social media platforms returns thousands of results of customers waiting months -- sometimes years -- for a resolution to their issues with the company. To date, I have not heard back from the company regarding my case -- # XXXX.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (VA)

On the site CreditKarma.com I applied 3 times for 3 cars all having 93 % approval. None of which were approved but effected my credit negatively none the less and recieved and email all 3 times stating the reason was due to low credit use which credit karma knew of prior to advertising said cards to me. Now it will cost me money to repair the negative credit points.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (TN)

In XX/XX/XXXX I entered into a conventional 30 year mortgage with Quicken loans. This loan was subsequently repackaged and sold. The loan was underwritten WITHOUT an escrow account as property tax payments directly to the county. When reviewing my credit reports for the month of XXXX it came to my attention that the loan was incorrectly being reported as being 30 days past due in the amount of approximately {$1300.00} and resulted in a SIGNIFICANT decline in my credit score of nearly XXXX points from approximately XXXX to approximately XXXX. I have made multiple attempts to contact the lender. What I was able to decipher from the online portal is that an escrow account was improperly established on the account in XX/XX/XXXX, without my knowledge. This is particularly concerning as a prior victim identity theft and further puts me in a position of overpaying the county for annual property taxes.
Consumer complaint received 2022-09-25
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. (CT)

On or around XX/XX/22 I received a notification from XXXX notifying me of a change in my report. I had multiple hard inquiries I didnt make. XXXX removed the inquiries. XXXX XXXX hasnt removed anything. Equifax is still investigating.