davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
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. (NY)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX   XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXXXXXX XXXXXXXX XXXX   XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (OH)

Around XX/XX/2011, we were receiving solicitations from WELLS FARGO Home mortgage to enter a loan modification program. So, we did. This application process was brutal. We were given the run-around for 4 straight months of lies and deception, falsely accusing us of not providing current documentation. With these four months, over and over were assigned many different Home Preservation Specialists. The Stone Wall effect was in full swing. For months and months, they deliberately requested the same information, and no movement was being made on their behalf. We were getting very angry and worried that they were purposely delaying the loan modification. After continuously giving them everything they asked for within hours of request, nothing was happening. Wells Fargo was foreclosing on our house, while telling us that we are still in application mode. Now, there was Sherriff Sale Date. We were so scared of losing our home. What they were doing was criminal. We had never been late on a mortgage payment. We finally hired a Law Firm to fight for us and eventually kept us in our home. Finally, after 9 months of fighting and months of sleepless nights, our lawyers we able to set us up with some bogus trial period that they ultimately created. Years later still makes me tear up. Attached will be Docs showing the hardship we endured.
Consumer complaint received 2023-01-19
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached
Consumer complaint received 2020-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I live at least 2 hours from the closest Chase Bank Branch. I established the accounts online and it would not let me add my wife when I opened the accounts. I want to add her to all accounts with chase as an owner, but they now require that I drive to the branch and have with me to add her as an owner. I am XXXX years old and it is a hardship to travel. I would like to add her as an owner online but bank policies will not allow that. If I pass on before her, I need to have her on it as an owner so that she will not have a problem claiming the funds in my accounts. What can be done for me?
Consumer complaint received 2021-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NJ)

Paypal is the company. They market work with small businesses to help with there ecomerce website but it's a lie. They own a monopoly in the payment ecomerce website world and XXXX and other companies have a monopoly with using payment transactions for an online website. They should immediately accept my application for my ecomerce website to integrate paypal as a payment system. How are any small companies supposed to strive if big corporations like XXXX and paypal won't even give a small company a chance. Filing a complaint on paypal. Accept payouts API application immediately.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I have a account with Wells Fargo before I would never have no issue with no money in my account cuz I get direct deposit but it would take a bit. And then the bank would charge me a maintenance fee for my account that I was never aware. It feels that I have to a direct deposit continuing in order to avoid that when that direct deposit can be going to a different bank that is of my choosing. And to stop their overdraft fees
Consumer complaint received 2022-08-02
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. (NY)

On XX/XX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 2021-08-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citi Bank closed my account without valid reason. They should have protected me and my money. I should be able to trust my bank that i have a relationship with for over 15 years. Also, i am a Citi Gold member. They should have notified me and give me a chance to resolve the issue. Instead i found out my bank account was closed when my card got denied at a resturant, which was very humiliating. I've done nothing wrong and do not deserve to be treated this way. I proactively went into the branch to talk to the Citi Bank manager, XXXX, to provide proof that all my transactions and all my banking activity is legitimate and there should be no issues. Instead i was turned away. I've called customer service dozens of times, and each time i am left on hold and then am told they will not help me and the call is discontiuned. I feel helpless and tramatized by this experience. I have anixety and stress about my financial well-being. I am worried because i can not see my statements online and my credit card charges. I have no access to my remaining balance in my account. I am asking for someone to please help me fix this problem. Citi Bank has wrongfully closed, frozen and blocked my account. I can not withdraw, i can not deposit and i dont know whats going on.
Consumer complaint received 2021-08-12
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. (NJ)

i was unable to finish course and had a XXXX XXXX school denied me the right to come back and finish course, therefore was left with the student loan they were going to investigate meanwhile they told me they would freez the account beacuse i had no income. now i see its on my credit report inaccurate and its affecting my livelihood. i would appriciate help with this matter has soon as possible. have this remove thanks
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

Equifax continues to delete all my current information off of my credit report. This is ridiculous. This has been an ongoing problem. I sent them a dispute a while ago explaining this. And now on top of deleting current information. They also readded an old file that had been removed. A collection account from XXXX. This had been removed over 1 to 2 years ago. And the collection from XXXX was deleted by the company..please removed all of this errorenous information from my credit file. 
1. XXXX XXXX-correct 2. XXXX XXXX-correct informaiton needed to be added a back 1. XXXX 2. XXXX  XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX
Consumer complaint received 2020-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC (ME)

I called Preferred Credit on XX/XX/XXXX. Spoke with the rep who answered the phone. Asked about the debt and how to take care of it. She told me that the debt was charged off in XXXX as a loss. And at this time I was not obligated to pay off the debt. She couldn't give me written proof that I was obligated to pay the debt off. And that I could pay it in full if I wanted to but not obligated. I asked to settle and have it removed and she told me she couldn't do that as if it wasn't paid in full they couldn't take it off my credit report. And I asked her if I wasn't obligated to pay the debt, but offering to settling it with a agreement of less than what was owed, and they still wouldn't take it off my credit report doesn't make sense. I was trying to settle a debt that the company told me I wasn't obligated to even pay, and all I asked was to remove it from my credit report if we came to an agreement for a fair settlement price. They still wouldn't accept that. And I asked again if I wasn't obligated to pay then they need to remove it from my credit report and they said they couldn't. The company isn't even reporting the correct information on how much the debt is for. It says XXXX but it is actually around XXXX. I am asking that you investigate this information. And if it's not correct, that is to be taken of my credit report. Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (TN)

I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (SC)

XXXX has been non-compliant with removing the unverified account SYNCB/WALMART which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SYNCB/WALMART was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

On XXXX I attempted to open a savings account at XXXX XXXX XXXX XXXX California in XXXX XXXX and was denied due to a Fraud Ring Activity Alert on file with the 3 credit bureaus XXXX, Equifax and XXXX. This fraud alert was placed on my profile by XXXX XXXX XXXX on XX/XX/XXXX and I was reported to XXXX XXXX   who sent me a letter on XX/XX/XXXX notifying me that they have removed this information from my file as a result of my Bankruptcy discharge. I have attached supporting documentation with this dispute
Consumer complaint received 2020-08-05
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. (OH)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. USDOE/XXXX XXXX {$81000.00}
Consumer complaint received 2020-08-05
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. (TX)

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXX XXXX $ XXXX XXXX {$500.00}
Consumer complaint received 2020-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (PA)

On XX/XX/XXXX my bill was due for XXXX dollars I paid the one half and tried to settle a agreement promising to pay the other half plus the next month due with the lender on multiple occasions. And they would not assist me. I was severely impacted by Covid-19. After I explained to them I had a temporary loss of income due to employer cutting back hours and me XXXX XXXX XXXX XXXX XXXXXXXX they gave me this late payment. And now I can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing because XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXXXXXX XXXX, MA XXXX ( XXXX ) XXXX, is reporting a debt on my credit report that I have no knowledge of. I filed a complaint and requested validation of the debt. Their response is attached below but basically they cant verify the debt and said they themselves are requesting validation of debt. 

My question is, if they cant validate the debt now, how did they validate it when I requested a TransUnion to investigate earlier this year? 

Also XXXX XXXX XXXX  Acc # XXXX response is they will send it if and when they receive the information. 

This whole situation is not right and it is causing me a lot of stress.
Consumer complaint received 2020-08-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I have not been able to log on to my Navient account portal in over a year. The website simply says " Were sorry an error occurred. Please try again. '' I have called the company numerous times and they have tried changing my login information and resetting my account but nothing has worked. When I call the company says they will follow up with me after they discuss the problem with IT, but they never call back.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I settled my credit card debt with Wells Fargo for {$680.00}. I received no documentation or proof of that this debt has been settled. I only have a bank account statement that shows the payment has been processed. It is my right as consumer to receive documentation that the debt has been settled and an agreement that I will no longer be harassed by debt collectors. I called Wells Fargo on XX/XX/XXXX several times and went into the bank on XX/XX/XXXX asking for proof that my debt was settled or a statement showing me how much I owed on the account so I could pay it. They not only refuse to give me proof that my debt ever existed or was settled, but they have denied me online access to my account which once showed my balance and gave me a way to pay it.
Consumer complaint received 2022-08-02
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. (MS)

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXN XXXX Balance : {$1900.00}
Consumer complaint received 2022-08-02
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: Absolute Resolutions Corp. (MI)

In response to my compliant # XXXX Company responded on XX/XX/2022 " Absolute Resolutions Investments , LLC ( ARI ) is in receipt of the complaint filed by XXXX XXXX XXXX XXXX XXXX ARI will honor XXXX XXXX cease and desist request. Based on the foregoing, ARI is closing this complaint. '' The company has not remained in honor of the cease and desist as reported and have continued to furnish data to consumer reporting companies on XXXX XXXX, 2022. This is misrepresentation and more importantly another example of the continuation of the company 's violation of my consumer rights.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo I always checked how much money I had in my account but most of the time it would deny it and then I would get a fee and bam I am now negative in my account it was 2020 then they let some one steal money from me and left my acct negative then closed it on me and steal send me a monthly statement
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2023-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

total amount of false debt {$230.00}. 

IC Systems debt collection company for XXXX. This company is trying to collect a cable TV bill. I advised this company this was not my bill. They provided a falsified XXXX  bill dated XXXX stating the total balance due at a certain address was {$230.00}. I have not lived at that address in XXXX  years. 

IC Systems has also notified the credit bureau of this false delinquent loan which will adversely affect my ability to obtain credit in the future
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: First Data Corporation (VA)

I talked with the manager @ XXXX, located @ XXXX XXXX XXXX XXXX, Virginia XXXX XXXX, round our about : XX/XX/2018.. because I was having trouble activating the new card they gave me for employment,.,, The manager called the corporate office and they told me to give them my physical address so they could release my funds,, so I gave the manager the information,, They next day I tried checking my balance online with XXXX   and I was told that the email and passwords entered on my pay card did not match there records. and were not my emails.. so my card, had somebody elses email on them, I contacted XXXX corporate office,,   and they said they might have given, me the wrong card. So the same day I tried checking my balance.. about XXXX XXXX and a $ XXXX transaction was made for a XXXX XXXX  that was not mine,, so I called XXXX County sherifffs offci , officer badge # XXXX, and reported the identy theft,,, - and then I did a ftc.gov- report.-online for credit card theft