davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY (CA)

I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. 
I then emailed them all the documents and called the next day. No response. 
I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. 
I called telephone banking several times and also spoke with numerous wellsfargo employees. 
I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. 
I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. 
I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.
Consumer complaint received 2021-06-24
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 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 on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (CO)

Theft Incident : Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? 
Great Lakes Name of an agency representative that you spoke to : Great Lakes Agency 's phone number : XXXX Agency 's email address : If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Account number : XXXX
Consumer complaint received 2022-10-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mountain Run Solutions, LLC (AZ)

This company appears to be 're-aging ' debts. I asked for proof of ownership of this debt and to validate the amount owed and date of delinquency when I spoke with XXXX on or around XXXX XXXX  XX/XX/XXXX of XXXX. I was told I would receive proof within 72 hours but had to follow up for them to respond. After follow up, I was provided by XXXX XXXX XXXX at Mountain Run ) only old invoices, with no documentation of payments or that they owned the rights to this debt. 

I attempted to clarify with the company as to why they felt they had the right to collect, however the response was something along the lines of 'I just work in the documents department. ' This fell off of my report shortly after, so I assumed they understood their error and failure to comply with proper debt collection practices. 

The debt involved is related to alarm service at a home I have not owned since XX/XX/XXXX. The last payment I made for alarm service would have been prior to that. I never transferred new service, made additional payments, or spoke to anyone about this in the time since. 

Despite the debt being too old to be reported, and question as to whether this party has the right to collect this debt, I was surprised to see this on a XXXX report for XXXX reported on XX/XX/XXXX.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

3x I am complaining since nothing has been done by WELL FARGO. On XX/XX/XXXX I deposited TWO XXXX money orders at a WF ATM in XXXX XXXX. I bought these with my debit cards next door at a post office and paid {$2.00} each. I was going to deposit cash at the branch but had to go to work and the ONE teller had 5 people on line. I put the cash in my car and used my debit cards from XXXX and XXXX to buy these 2 money orders. Somehow the next day I get a call from WF ( XXXX hours after the deposit ) that the MO are fraudulent. I said that's impossible. he said with his thick and hard-to-understand accent that I am basically a crook. My acct online said the checks are being held for 10 days to clear. Then I get a notice that my acct is being closed for fraud!!! So my account is closed with {$1000.00} in the acct which I have never received and WELLS FARGO HAS STOLEN MY XXXX MONEY ORDERS X2!!!! tHEY OWE ME THIS MONEY. it's mine. After my previous complaints to the CFPB on this matter, all I get is the standard CFBP form that WF needs more time. In the meantime, those 2 MO deposits have disappeared from my acct and I only have XXXX in it which I can not access. I did get a call from a XXXX XXXX @ XXXX ext XXXX who told me basically to shove it while she takes 10 days to look at it. I also got a call from a " XXXX ''. both people do not return my calls. Im out all this money while they decided that I commit fraud!! I get a letter today that my deposits on XX/XX/XXXX ( they even have the incorrect date, it was XX/XX/XXXX ) have been researched and I am not entitled to them. No reason for the " not entitled to them '' statement. Who decided this? What experience do they have in these situations? Not one reason has been forthcoming. I am closing copies of the XXXX money orders and the letter they sent denying my XXXX XXXX deposits. This bank has a history of paying huge fines to the US government for opening accounts for people who did not know they did this ... charging them exorbitant fees and also huge interest on auto loans. I WILL NOT BE A STOOGE FOR THEIR ANTICS. If I DO NOT GET MY FUNDS FORTHWITH, I WILL SUE THEM AND ACTUALLY SHOW UP IN COURT WITH MY RECEIPTS. I can use XXXX small claims court to start and my brother is corporate lawyer who would do this for me gratis. Show me proof of fraud. I enclose all the documents.After just checking my account online, even my XXXX balance is gone.. it shows ZERO balance!!!
Consumer complaint received 2022-05-16
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: PNC Bank N.A. (NJ)

On XX/XX/2022 I applied for business credit with PNC Bank. I was told that my request was denied. I asked for the letter stating the reason and they claimed that it was mailed to my address on file. 

The address that they have on file is correct because I received bank statements. 

I asked to express mail the information and they agreed. They promised to express mail to me and the sales associate XXXX XXXX at the PNC Branch located on XXXX XXXX in XXXX XXXX XXXX. 

I have not received the information.
Consumer complaint received 2018-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NJ)

I received a letter from Equifax regarding a new address on my credit file which differs from the information they have. I called the phone number provided to inquire and provided name, address, SSN, DOB, and was asked to provide additional information. I then provided credit card information such as issuing bank, last statement balance. Then I was asked to provide previous addresses, employer and previous employers and was still told that I could not receive my free credit report, even though I asked that it be mailed to my home address. The issue here is that Equifax sent me the letter about an address change. I have lived at the same address for 40 years. The address they had on file is my work address. How did they get that information and why do they have incorrect information in my file. I can not even get a copy so I can dispute the information. I filled out the information in their online credit report request site, but received the message that the report could not be downloaded at this time. Equifax refused to give me my free annual credit report as required by law. They would not mail it to my home and it was not available for download.
Consumer complaint received 2022-08-01
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. (FL)

My name is XXXX XXXX, Ive just learned that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I have been sending you letters for a couple of months now but the negative items are still there like you're completely disregarding it, I am not even getting any response from you people. I was told by a lawyer that this is a violin of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2018-08-28
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/2018 at approximately XXXX XXXX, I received a phone call from a person whose name was XXXX XXXX from XXXX at the XXXX XXXX XXXX in regards to a legal matter that came across his desk with my social security number. He then said the last four digits of my social and said that I had fraudulent charges pending. That If I did not return his call and give a statement it would result in an immediate summon at my residence or work place and possible cash man of wages. They said for me or my representing Attorney to call them back at XXXX ext. XXXX. I called back the following day at XXXX and a man answered phone and began harassing me and trying to force me to give a statement. They said they were going to record me and use it in the state of law court. I asked them to send me a validation number and that I would not release any information before this is done. They kept trying to harass me and tell me that they were serious about the charges. I ended the call and called Ace Cash Express directly. I was informed that they had sent my collections to a different Agency for holding and that they were not the ones calling. I'd like to report this scamming agency that have the phone number XXXX, threatening to appear at my job and call my employers.
Consumer complaint received 2018-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern - were a small business based in XXXX XXXX. This morning we found evidence of embezzlement from a former disgruntled staff member of ours. His final check was made out to him in the amount of {$230.00}. He wrote in an extra $ XXXX ( see attached photos ) on the check ( can clearly see the different handwriting ) and to add insult to injury Wells Fargo gave him another $ XXXX so now were at a loss of at least $ XXXX which is a lot for a small business! However we still have not been reimbursed our money by the bank due to research. Weve since filed a police report with the XXXX ( case # XXXX ) who also confirmed the crime so theyre beginning a thorough investigation. Im reaching out to you to please help escalate this matter for us and expedite the resolution for reimbursement AS A RESULT OF WELLS FARGOS ERROR. Im giving you this opportunity before I file a formal complaint with the FTC ( as we know Wells Fargo doesnt need yet another complaint filed ). We appreciate your attention to this!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TX)

I called to make a payment. Spoke with the representative and made the payment to pay the account off in full they took payment over the phone. We then filed for bankruptcy and made sure we didnt include that account in bankruptcy. We cancelled bankruptcy 4 days later. We never received any notices that there was a balance on this account and I was blocked from any access online to be able to check anything. They have ruined my credit by placing this false info on here.
Consumer complaint received 2018-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OH)

I recieved calls froma company called CBE Group attempting to collect a debt from XXXX XXXX. After reviewing my credit report this appears to have been removed and is showing back up on my credit reports. I asked that they no longer call my phone attempting to collect a debt that is not on my credit report.
Consumer complaint received 2022-05-16
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. (TX)

I have submitted over 6 disputes to XXXX, Equifax XXXX XXXX about accounts that were appearing on my credit report from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on which I received a notice back that they were investigated, verified and confirmed as mine. the account stating was opened XX/XX/XXXX was reported opened XX/XX/XXXX that is almost XXXX months later so how was that verified. XXXX removed the inaccurate late payment from the account opened XX/XX/XXXX and then put It back without notice the next month. they have started not reporting my payment history and multiple accounts. I have called in to XXXX and was told that they did take steps to verify and they have mailed me exactly how and I would receive it in the mail. upon receiving the mail there was no proof of verification just a paper stating it was verified and the inaccurate information would be remaining on my account. XXXX and Equifax have also deleted the account that was opened XX/XX/XXXX but remains on XXXX. I have never lived at the residence reporting this information and I have submitted my identity fraud information yet the item still remains on my XXXX account. I am now receiving letters that they could not verify my identity from the information that I have sent in so they have not investigated the issue. how are now the same documents I have been sending to prove my identity now now enough information for you to investigate my claims. 

the credit bureaus have stated that my accounts were properly investigated but how is that possible when the open dates are innaccurate, the date last active is inaccurate, the date of last payment and the account status is inaccurate. this is grounds for removal as they have also violated my rights under 15 U.S.C 1681 section 602 A : states I have a right to privacy 15 U.S.C 1681 section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written consent
Consumer complaint received 2020-06-12
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$5600.00} XXXX {$590.00}
Consumer complaint received 2018-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (AZ)

In XXXX after 12 years of being unemployed due to permanent XXXX I began a loan discharge process with Nelnet. In XX/XX/XXXX I sent email and post office documents declaring that I was still unemployed. Under the generic email return address of XXXX XXXX instead of anything related to Nelnet, they sent me information that looks like spam. That is deceptive. My TPD process was dropped because Nelnet acknowledged and accepted my certification that I have not been employed, but their separate agency that sends generic email didnt receive the paperwork. I talked to the Omsbudsman and another agency that took my complaint but didnt do anything to correct the trickery of Nelnet. Nelnet told me that the XXXX $ loan was back on track affecting my credit AFTER the appeal period ended when it was too late for me to make an appeal. They didnt notify me that they have a separate organization to process XXXX and XXXX XXXX that doesnt share data with their loan repayment center so I had no idea that I was not in compliance. One agency of Nelnet said I was fine with the process and when it was too late to fix it the second Nelnet organization said I was not in compliance. Its deceptive. Having a hidden arm sending spam looking email that isnt clearly marked as being from Nelnet was deceptive. 

Being traded on the XXXX makes Nelnet drive up loan balances with unethical actions to make their profit look good to investors. The government is for the protection of the people but the XXXX is about getting as much money from the people as possible. 

Although its unlikely that I can ever pay the debt, having me on the books with ever increasing debt serves the XXXX well so Nelnet has s conflict of interest when it comes to treating me fairly. What they have done to me is so dishonest and unethical that its clear no other industry could get away with such flagrant disregard for consumer satisfaction and consumer rights. 

Nelnet believes they can conduct business any way they like because our own government defends their rights to rob the people that try to better their lives by getting an education. 

Nelnet informed me that all my documents were received and then Nelnet informed me that my case had been dropped. 

Its a crime.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

Ally Financial has continually reported 30 day late payment for the past 90 days when we are current and on time with our payments. We have spoken to them more than several times to try and get them to correct their mistake with no result. Every time we speak to them we get the run around and they say they are going to correct issue but dont they post the following month too.