davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
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: AES/PHEAA (GA)

I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.
Consumer complaint received 2016-06-05
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

www.socialsecurity.gov Attn XXXX XXXX XXXX XXXX XXXX privacy policy www.ftc.com. XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation XXXX represented XXXX. XXXX Customer Services Topics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tele/fax Order # Order Status XXXX. I would Like Returns Policies Personal Checks Customer Services Shipping Handling. They charge $ XXXX XXXX XXXX XXXX XXXX XXXX10 Business days. I called on XXXX/XXXX/16. I sent over XXXX pages faxed
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I just found two unauthorized transactions on my XX/XX/XXXX Bank Statement, a debit to XXXX for {$140.00} of XX/XX/XXXX snd a debit to XXXX XXXXXXXX for {$2500.00} of XX/XX/XXXX, and called Wells Fargo to dispute these transactions. I was told that it was not possible to dispute the transactions as the phone operator could not retrieve account information since the checking account in question had been transitioned to a new account due to past fraudulent transactions.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Chime Financial Inc (VA)

I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. Chime bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from 2013-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (TX)

On XX/XX/2021, I tried to get the balance of my card and I was unable to do so. I called Direct Express, and they told me there was a lock on my account. They couldn't tell me why, they said it was confidential and couldn't tell me why my account was locked. I called Social Security and they told me they sent the money to Direct Express XX/XX/2021, and I needed to talk to Direct Express. I called Direct Express who told me my account was still locked and I needed to send proof of identity- social security card and birth certificate. I called Social Security again, and they told me that they would close that old account, and renroll me, so they would suspend the Direct Express card and then send a new card by XX/XX/2021. I didn't get anything by XX/XX/XXXX, so I called Social Security again, and they said they would send a new card again on XX/XX/2021. I called Direct Express to see if the account had been suspended and a new account created, and they said no. They asked me to update all my information and I did so. On XX/XX/2021, I also faxed Direct Express the documents they requested ( the social security card and birth certificate ). On XX/XX/XXXX, I called and spoke with a XXXX from Direct Express who told me that I had got a confirmation that I was approved by Direct Express for receiving my benefits on XX/XX/2021, but I had never received anything about that confirmation. He then told me to resend all my documents since I got no confirmation and sent this XX/XX/2021. I still have not received any new cards and still have no money on the card I have now. The case number with Direct Express is XXXX. 

I am XXXX and there are extra hurdles and obstacles for me. My mom has had to help me with this process and it is my mom 's email as contact.
Consumer complaint received 2021-07-04
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: CBC Companies, Inc. (NY)

I have an opened case ID # XXXX at XXXX XXXX XXXX as they have not properly reported my payment history to XXXX  since XX/XX/XXXX. The case is stil not resolved. Now we also see that they do not report properly to Innovis as they should. XXXX says it reports to XXXX, Innovis and XXXX. My latest credit report sent by Innovis on XX/XX/XXXX shows a fully blank payment matrix between XXXX and XXXX.
Consumer complaint received 2021-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

paypal was settled as per an agreement between me, XXXX XXXX and synchrony bank for an amount of a total, for2 accounts, of XXXX .on the XXXX th XX/XX/2021. 
they are now sending a new bill for account number ending XXXX as per our settlement agreement
Consumer complaint received 2021-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-07-05
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: BARCLAYS BANK DELAWARE (NY)

knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2020-04-23
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: Experian Information Solutions Inc. (FL)

ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well
Consumer complaint received 2020-04-23
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)

ID theft victim Another account on my report XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} This is not my account/Fraud i have added my Id theft reporrt as well
Consumer complaint received 2021-07-03
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: DISCOVER BANK (NY)

The following information needs to be re-investigated. These accounts should not be reporting on my credit report. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

DISCOVER FIN SVCS LLC ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine. 

XXXX ACCOUNT # : XXXX DATE Opened : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-07-03
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: Social Finance, Inc. (GA)

On XX/XX/XXXX XXXX credit card department Status Sofi only conducts Soft inquiries when checking rates SOFI CREDIT CARD mislead consumer by conducting hard inquiry on XXXX which resulted in a hard inquiry on file untill XX/XX/XXXX and a reduction of 5 points
Consumer complaint received 2020-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC (NJ)

My name is XXXX XXXX.. A company called Phoenix Finacial services has reported somewhere around 15 old medical bills as new debt delinquency on my credit report when all of these bills are from XXXX and XXXX..My credit dropped nearly 100 points! I tried contacting them and they were nothing but rude and XXXXXXXX My next step is to file a law suit.. These r the amounts and dates.. {$1200.00} XX/XX/XXXX. XXXX {$1300.00} XX/XX/XXXX XXXX.. {$1300.00} XX/XX/XXXX XXXX.. {$270.00} XX/XX/XXXX XXXX.. {$1200.00} XX/XX/XXXX. {$320.00} XX/XX/XXXX XXXX.. {$1100.00} XX/XX/XXXX. {$280.00} XX/XX/XXXX XXXX.. {$460.00} XX/XX/XXXX XXXX.. XXXX XX/XX/XXXX XXXX.. & XXXX XX/XX/XXXX XXXX.. {$1200.00} XXXX.. Some are even on there twice! My # is XXXX if anything else is needed.. What they are doing is elegal!!
Consumer complaint received 2016-12-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (AZ)

I graduated from a XXXX program in XXXX of XXXX. I started a XXXX in XXXX of XXXX, however was not supposed to be listed as being in school and my loans spent the usual amount of time in the grace period, ending in the XX/XX/XXXX. I immediately signed up for a income based repayment plan and autopay to take advantage of the .25 % reduction in interest. I was then notified that my loans were back in deferment because the school had listed me as a student. In XXXX, I began the process of trying to solve the situation, however most employees at Nelnet that I spoke with had no clue of the correct way to proceed. After sending exact information that I was told needed to be sent from my school, I was told that it was not sufficient and that I needed to send a specific form. Unfortunately, my school listed the incorrect year again and delayed the process. It took me a while to get back to address the issue. Every person I spoke with indicated that there should be no problem retroactively applying the 0.25 % interest reduction once resolved to the original sign up date. I was just notified today that they would be retroactively applying the discounted rate to XXXX because that is when they received the correct form. There were multiple failures from Nelnet in processing this problem and should have been solved with the first phone call. They are acknowledging that there may have been human error, but refuse to retroactively date the interest reduction to when it was initially applied. The representative I spoke with today indicated that leadership had reviewed the issue and this was their final answer. I do not accept this as an acceptable conclusion to their failures. They indicated the reason was that I took so long to turn in the 2nd form with the correct year of graduation.
Consumer complaint received 2021-07-03
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: WELLS FARGO & COMPANY (GA)

I received a letter from Wells Fargo stating they would be removing this inaccurate account ( Account Number : XXXX ) from my credit report on XX/XX/XXXX. This inaccurate account is still reporting to my credit as of today XX/XX/XXXX. The fact that they sent me a letter saying they would remove it and didn't was very deceptive under 15 USC 1692j and FDCPA Section 807. On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inaccurate accounts without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of. I expect this situation to be remedied by the CFPB using the invoice I attached, I Now suffer from XXXX  because I can't trust these financial institutions.
Consumer complaint received 2021-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (TX)

I have not been properly informed about the PSLF ( public service loan forgiveness ) and have attempted to have the department of education evaluate the number of qualified payments I have made since I entered the public service program as a XXXX XXXX XXXX in XXXX. I submitted the form for the pslf to certify the number of payments and have not received any information since I submitted the certification. Although I have previously sent certifications which were completed by my school district administration and have never received a response to date, I am referring to the most recent certification which was submitted several months ago. I was informed that my loans would be transferred to XXXX within a month, but the loans are still being serviced by Nelnet. The pslf program was pitched to the prospective students at XXXX  XXXX XXXX XXXX - XXXX XXXX as a means to draw attention to a benefit of becoming a XXXX XXXX XXXX in high needs areas. I would like to know where I stand in the required 10 years of qualifying payments towards the forgiveness of my student loans. I was uninformed by the loan agents who assisted me that the qualified payments reset after each consolidation again to take advantage of a different interest rate or to combine additional loans. 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-07-03
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. (FL)

EQUIFAX IS REPORTING ACCOUNTS THAT I DID NOT GIVE THEM PERMISSION TO REPORT, THEY ARE VIOLATING MY CONSUMER RIGHTS UNDER 15 U.S.C. CODE 1681b - PERMISSABLE PURPOSES OF CONSUMER REPORTS.
Consumer complaint received 2016-12-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (NY)

I have XXXX promotional balances with Synchrony Financial XXXX of which is a 0 % interest that needs to be paid off by XX/XX/2017 in order to not incur interest. Every month I make a payment of {$200.00} for the account. The amount necessary to be paid for this 0 % balance not to incur interest is never applied correctly requiring me to call every month. The explanation I 've been given is this is how the system applies it and I need to call. I find this disturbing considering Synchrony set the terms and should be responsible to make sure it is applied correctly. I also have several other concerns about the website FAQ 's and security question answers.
Consumer complaint received 2021-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I initiated and entered an consumer credit Transactions with WELLS FARGO with my open ended credit plan XX/XX/2013. 
WELLS FARGO then alleged i had unpaid late alleged obligation, Which they then charged off and closed the account XXXX. No federal law under Truth in Lending or FCRA statutes does it mention LatePayments in connection with my open ended credit plan. 15 USC 1602 does however say an account can not be closed without my the original creditors written consent. Also a natural person can not assume any debt, because pursuant to 18 USC 8 the United States assumes all obligations. WELLS FARGO is attempting to collect an alleged debt from me ; in the process harming my consumer report and my reputation which is a violation of 15 USC 1692d ( 1 ).
Consumer complaint received 2021-07-02
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. (NY)

Letter sent to Equifax on XX/XX/2021 in regards to a collections account that was reported on credit file. This was removed in XX/XX/2021 and re reported on XX/XX/2021. This is incorrect information as the collection agency XXXX sent a letter that it has closed and requested it be deleted from Credit Agencies. Equifax is in violation of FCRA. Subject to XXXX USD fine. This item was reinserted on my credit In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I recently opened a small business account with The Huntington National Bank. I specifically asked and was told that they do not stack withdrawals ahead of deposits, Apparenty they do. I had my deposit and a check for my house payment post to my account on the same day. Huntington chose to return the check and charge me a fee then add my deposit. I had even called them the day before to make certain that this would not happen. I was told that they never do this and that there should not be a problem. When I confronted them about it I was told, " Sorry, it is what it is '' and that the check was posted to my account the day before my deposit. I repeatedly told the account manager that it was not the case and was looking at the transactions on their site to which he again reiterated that it was the day prior.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

I have requested Equifax to correct the account status on two accounts on 4 separate occasions over the past 6 months. They have refused to respond, I have not even received a letter stating an investigation was in process. The accounts listed below have been paid. This is in violation with FCRA, if a debt is paid regardless if it was settlement paid in full or paid in full, it must not report " DEROGATORY '' attached are copies of letters Ive sent and both accounts that are being affected.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Synovus Bank (GA)

My bank is taking full advantage of unemployed people. I have a transaction that I tried to stop. I was waiting for my unemployment direct deposit and noticed that my credit payment was automatically coming out. I tried to stop the automatic debit but was told that the transaction cant be stopped, I called my bank and I was told that they cant blockage transactions I had to wait for the charge to hit my account, once the chats get hit my account I called my bank again and was told that nothing can be done because it was pending. By then I was finally able to remove my banking information from my credit card profile. My bank charged me XXXX over draft fees and when my unemployment came in I had to pay XXXX {$36.00} fees. This should be illegal because I desperately tried to alert my bank to no avail and most of my unemployment check went to their fees. Im a single mother of XXXX and couldnt pay a bill because of this. This has happened more then once at this bank. Even if I call them and they refund transactions I swear within a couple of days they are back on my account.
Consumer complaint received 2021-07-02
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: Lending Club Corp (VA)

I have these accounts that does not belong to me and i want it to be remove from my credit report. 

XXXX 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft LENDCLUBBK Account Number : XXXX This is not mine.