davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I am unable to lift a credit report security freeze either through the website, telephone or representative. Each time I try they tell me they can not help me or they do not believe my identity. I have tried to resolve this numerous times. When I go online, they say the site is down temporarily. Please see the attached. When I call the automated system they give a vast array of options to choose from to confirm my identify, and they consistently say I " failed '' the identity check. When I call a representative, they go through the same array of questions. They say I answered one question wrong and will not lift the security freeze. They then tell me I must MAIL a letter asking to lift the freeze along with two forms of identification. I NEVER hear back from them. I always have to deal with an international who has a barely passable understanding of the English language ; why don't they have stateside reps? THIS IS UNTENABLE. They allow my identity to be stolen and then they won't allow me access to MY credit report. Please help me in dealing with this situation once and for all.
Consumer complaint received 2019-03-15
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: Eastern Revenue, Inc. (PA)

I requested validation of accounts that I wasnt provided. I asked for original consumer signed contracts and all information on what services were rendered for the debt, how the debt was calculated, and proof for everything. I was not given any of that!
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

The original creditor which is XXXX has placed this on my credit report 2years ago with a collection agency called XXXX, XXXX in XXXX I disputed the account it was investigated and removed from my reports, now XXXX it is back on my report by another collection agency by the name of Enchanced Recovery collections. If this was investigated and removed from my reports they should not be able to see it and placed on my account again this is causing a real hardship in my life. It is very stressful and it causes so much stress in people lives to have to keep dealing with this kind of head ache. I have never received any documentation from XXXX or enchanced recovery. But I do have proof that it was on my account in XXXX and did not show up on my XXXX credit report again until now XXXX. XXXX. Please have this removed off my reports immediately. I will also be filing a report with theXXXX XXXX XXXX
Consumer complaint received 2018-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

I went to XXXX XXXX ( XX/XX/2017 at XXXX ) with the intent of doing the 90-Day ( Promotion pay in full with NO CREDIT ) I made it clear I did not want a credit card with the associate XXXX XXXX. 

XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/2017 at XXXX She asked for my name, information, address ETC. I did not sign anything and a few minutes later she hands me a paper saying I have been approved for XXXX. I did not sign anything and they still opened a credit card in my name. I spoke to the manager and she said there is nothing they can do since the associate had already submitted my application ( Which I did not even consent to or sign and basically said its my problem to call XXXX XXXX to close the account ). 

The manager called XXXX XXXX and provided the " Key Number '' as soon as this happened to say that the line of credit will " disappear '' if I don't use it for 30 days. She was denying the fact that they opened up a credit card in my name and said to " not worry '' its a " mattress '' credit card and not a regular " visa '' credit card.
Consumer complaint received 2021-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Ref. CFPB Complaint no. XXXX On the morning of XXXX, 2021 at XXXX PCT, I accessed my XXXX portal to check the status of my outstanding complaints against WellsFargo Bank . Ss a result, I discovered that I had received a correspondence from WellsFargo 's Case Specialist/Enterprise Complaints Management Office, and what I found was incredibly shocking to me. 

Within WellsFargo 's correspondence letter, title Subject : Complaint Resolution WellsFargo Case ID : XXXX The total number of unauthorized transactions is not correct. Under the heading " What you need to know '', in the third paragraph, it is stated that the total number of disputed transactions is five ( 5 ). The correct total number of disputed unauthorized transactions is actually XXXXhirty two ( 32 ). 

The first ( 1st ) unauthorized transaction was made on XXXX, 2021 from a company in XXXX for the amount of {$21.00}. This transaction was discovered during an audio recorded conversation with a ( " WellsFargo Claims Resolution Specialist '' - WCRS ) on XXXX, 2021. 

The claims specialist and I together want over every line, starting from my XXXX, 2021 XXXX XXXX, 2021 banking statements, ( I did my verifications from my banking statements of which I accessed directly from my WellsFargo online account, in conjunction with the WellsFargo claims specialist 's access of the real time online postings, and concurring our findings together ). I told the WCRS that the XXXX XXXX, 2021 unauthorized transaction was not on my bank statement which is posted online. In addition to this, there were six ( 6 ) additional unauthorized transactions of which I originally had on my online banking statements that the WCRS did not have in their original findings from the real time online postings, and as a result were added by the WellsFargo claim specialist to my claim. 

The other thirty one ( 31 ) unauthorized transactions are posted on my XXXX, 2021 statement, ( on page 2 of 6 which are charges from XXXX XXXX XXXX XXXX thru page 3 of 6 which are also charges from XXXX XXXX XXXX and include a charge from XXXX XXXXXXXX in the amount of {$32.00}, location unknown and a charge from International Purchase Fee in the amount of {$0.00}, also location unknown ) and my XXXX, 2021 statement, ( on page 2 of 5 thru page 3 of 5, also charges from XXXX XXXX XXXX 

On my XXXX, 2021 statement, appears the WellsFargo transaction ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM ) in the amount of {$150.00} of which I am also disputing because those funds where deducted and then redeposit so many times, in and out of my account, that I am sure that there is an error on the part of WellsFargo . 

As a continued result of both accounting and crediting errors by WellsFargo my account still remains in the negative with no explanation of the initial/latest {$410.00} deduction termed ( REVERSAL OF EXCESS CREDIT DUE TO MERCHANT CREDIT CLAIM ) which has niw placed my account in the negative - {$400.00}
Consumer complaint received 2021-02-02
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 — Problem with personal statement of dispute
Company: LoanCare, LLC (MA)

I have disputed late payments with my mortgage company. 

They sent me a letter which does not constitute validation of the payment history. 

I was on a repayment plan which provided a different amount then my and different due dates. 

The credit report verifies payments received in XXXX reported by Loancare. 

In XXXX I submitted a application for forbearance and never received a response from the company other than the confirmation email. 

I have provided copies of my credit reports showing the discrepancies between the bureaus which is been verified/certified as accurate by information provider LoanCare.
Consumer complaint received 2017-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc. (RI)

received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me
Consumer complaint received 2021-10-07
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. (GA)

I have disputed 3 times the following information with the 3 major credit bureaus, XXXX, Equifax and XXXX, to which each failed to comply with Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Attached you will find supporting documentation for each dispute submitted to each credit bureau including tracking numbers from USPS. 

XXXX is currently reporting the following incorrect information :
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX/DOFED XXXXXXXX Balance : {$3500.00} XXXX/DOFED XXXXXXXX Balance : {$6600.00} XXXXDOFED XXXXXXXX Balance : {$2300.00} XXXX/DOFED XXXX Balance : {$2500.00} XXXX/DOFED XXXX Balance : {$3500.00} XXXX/DOFED XXXX Balance : {$6600.00} XXXX/DOFED XXXX Balance : {$890.00} XXXX/DOFED XXXX Balance : {$1600.00}
Consumer complaint received 2018-02-11
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NV)

I recently opened a new account with Citibank online. On XX/XX/2018, I went to the Citibank branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX to make my opening deposit. I deposited {$1000.00} in to the newly opened checking account, and I inquired about getting a Direct Deposit form. The teller referred me to a personal banker by the name of XXXX XXXX. I saw a brochure about the CitiGold account, with a promotion of {$700.00} bonus for that type of account. When I sat with XXXX XXXX, I asked her about obtaining a Direct Deposit form and I wanted to get more information about the CitiGold savings bonus for the CitiGold account. She said, " Why would you want to do that? '' She then proceeded to ask, " Are you XXXX? What dialect do you speak? '' She then started speaking in XXXX, like I would understand her. " I said I speak XXXX ''. She made me feel as though I was XXXX  for asking about the CitiGold account, like I couldn't or wouldn't be eligible for the Savings average balance minimums. As a US Veteran, I've never felt so insulted in my life. I never asked for a translator. She began lecturing me about how my deposit would be on an extended hold. I asked why would it be when I deposited cash. She was deterring me from obtaining more information about the other products offered by the bank. Was it because I was XXXX and she assumed I didn't speak English? I ended up getting frustrated and just asked her for the Direct Deposit form and I left the bank. The whole ordeal has increased my social anxiety and XXXX because she embarrassed me in front of everyone that was an earshot away in the bank lobby. I went back to the branch a few days later and I spoke to the branch manager and she helped me. I just wanted someone else to know that behavior that was displayed by Personal Bankers, like XXXX XXXX is unacceptable. Although she is the same race as me, she shouldn't assume I don't speak English or that I couldn't afford the savings minimum for a CitiGold account or that I'm ignorant. I am a proud American, who has served his country in honor and to be treated that way is unfair, discriminatory, and deceptive.
Consumer complaint received 2019-11-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: WELLS FARGO & COMPANY (GA)

Wells fargo educational services is servicing my account and I just realized that it is a variable rate loan. Wells fargo has charged me late fees and reported to the credit agencies as delinquent. My problem is that there has been no communication sent to me in regards to the change in rate and they just send out statements with new amounts. I have been lazy to look into this but It would be surprising to me to know that they are not required to sent out notices of rate changes? If so, they are charging late fees and reporting me as late even though I have on time payments for years. 

I am frustrated to learn that Wells Fargo due to no notifications that they may be making a large sum of money from late fees over a simple letter that would notify the consumer of this change. Is a notification required? If so, I would consider my contract null and void with them. We will never get out of these loans if they continue to pry on the consumer and take advantage of us day in and day out. I have paid into the loan since 2011 and on a {$21000.00} loan I still owe Wells {$19000.00}. Wells However, has made {$16000.00} on my loan, that is criminal, I should be close to paid off at this point. 

Please help!!
Consumer complaint received 2021-02-02
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: EQUIFAX, INC. (LA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW
Consumer complaint received 2021-03-29
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. (KY)

I'mailed out numerous payments over the past several months. The postal service had major delivery delays because of the covid19 pandemic..took months for the creditor to receive the payments. Now its showing late missed payments on credit reports 60 days + Please fix the issue on credit reports
Consumer complaint received 2018-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I reached out to these companies back in XXXX I disputed XXXX XXXX, XXXX and XXXX XXXX. I asked the companies to send me an original signed contract with my signature and they sent me these documents. I had XXXX XXXX deleted that was reporting XXXX but XXXX is still being reported. I reached out to XXXX  here and s a phone number for them XXXX Also there is a document from XXXX XXXX  that I attached I reached out to them as well and XXXX XXXX XXXX are reporting this account with no original signed contract with my signature.
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have disputed this card several times. This card is from XXXX and was closed XX/XX/XXXX. I paid the account after it was closed but XXXX is stating that there is still a balance of {$770.00}. I requested the transaction history for all activity since the account was closed and was told that they didnt have that available. They did read a disclaimer that they are no longer attempting to collect the debt because statue of limitations have passed but they are still reporting to the credit bureau even though it should be removed.
Consumer complaint received 2021-11-29
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. (LA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2021-02-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO. (CA)

At the end of my lease ( first car ever ) with Ford Motor Credit company I had excessive mileage on my car. I had the car for 3 years during which every single payment was paid on time. The amount that was supposed to be paid was {$2500.00}. At the end of XX/XX/2020 I received letter from FMC with an offer to settle the account if payment of {$1500.00} will be send during 10 days. Unfortunately because of some personal and financial issues I was unable to send payment until XXXX. Payment of {$1500.00} was sent via mail, but I never got any confirmation that payment was received by FMC. Couple weeks later I received letter from collectors company which stated that I still owe {$1000.00} + $ XXXXfees= {$1200.00}. So right now I have delinquency on my credit account which negatively affected my credit score. I called FMC and talked to one of the managers. I explained that it was my first car ever, that I always paid on time during 3 years. Also explained that COVID had a huge financial impact on my family and myself. I was the only one working in my family. In addition to that my father was on the edge from passing away after he had XXXX XXXX  ( XXXX XXXX XXXX, which completely shifted my focus away from anything else and made my financial situation even worse. Unfortunately, manager refused to help me to remove delinquency from my account. I did pay the remaining of the balance of {$1200.00} just to clear everything out. So right now I don't owe anything to FMC. Just trying to fix my credit score.
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo manipulated my fraud dispute. I had two issues. First, I had recurring payments of {$2.00} that I didn't see. I also had a large purchase which was unauthorized. I called Wells Fargo about the larger unauthorized fraudulent purchase when it had overdrawn my account by about {$200.00}. The representative didn't follow my instructions. She issued a claim for only the three instances of {$2.00}, and due to a loophole of 60-day window for fraud claims, she intentionally omitted the larger, and most recent fraud claim. This was considerably larger and not my purchase. Wells Fargo subsequently refused to refund this larger claim citing the ability to only process 3 unauthorized charges. They then never gave me the money back, expected me to come up with the funds, and since I don't have the money, my account was closed and sent to collections for a fraud purchase I never did.
Consumer complaint received 2019-11-15
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)

equifax, XXXX and XXXX  has an account on my credit report that is not mine/inaccurate. 

account XXXX XXXX XXXX XXXX, this account is not mine and i did not give equifax, XXXX  or XXXX  my permission to report said account.nor was i notified that this account would be posted to my credit report.