davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that 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 Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have original loan amounts thru 2002 upto XXXX but principal on my loans are listed above XXXX which were above the maximum and never issued to me. I contacted loan servicers but no one has corrected the erroneous amounts. Please review & correct original principal loans amounts/balances. Please send to my Navient account email.
Consumer complaint received 2021-07-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In XX/XX/XXXX I entered into a mortgage with Wells Fargo in the amount of {$500000.00} ... sometime in XXXX I tried to attain a loan modification because I had a new job and I earned less than when I purchased the home ... Wells Fargo sent paperwork over for me to sign for the application process but then nothing ... I then get a call from Wells Fargo some time in XXXX advising me that they found an error and in order to correct it they are going to remove my PMI ... I asked what error? they said in the loan modification.. I then informed him that I never received financial relief because I continued to make my monthly payments because my payments were never lowered. In order to 'correct the matter ' they removed the PMI ... later in XXXX my loan was sold to XXXX XXXX for {$500000.00} ... then again in XXXX for {$500000.00} to XXXX  who I notified also of the loan modification I never received from Wells Fargo so XXXX  lowered my monthly payment from {$2500.00} to {$1900.00}. They then sold my mortgage to XXXX XXXX XXXX for {$310000.00} in XXXX. I am in the process of refinancing my mortgage with XXXX and while I am waiting for a closing date, the title company informed me that I have an outstanding loan with Wells Fargo for {$130000.00} that is due to mature in XXXX. I never received financial relief from Wells Fargo. In addition, why would Wells Fargo sell my mortgage for the full amount as if I never made payments from XXXX? I contacted them asked for copies of my payment history and I was told that when the mortgage was sold the payment history went along with it. I contacted all other lenders and none have the payment history with Wells Fargo only their own. The 2nd mortgage does not appear on my credit report but now all of a sudden I am getting emails from Wells Fargo about my statements being ready. When I went into the Wells Fargo portal there are only statements from XXXXpresent but when I try to open them I get an error message 'The document can not be opened because it is corrupted or damaged ' I have escalated the matter to DFS but they do not handle these cases when the bank home office is not based in XXXX. I have also escalated this matter to the corporate offices of Wells Fargo and have not heard a response. I need this matter resolved as quickly as possible. It is vital that I refinance my house and Wells Fargo does not seem to want to cooperate or provide answers they just send me copies of documents I signed. I would like to know if this is part of the scandal they are currently involved in.
Consumer complaint received 2021-06-30
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)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2020. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) for fraud. Following FTC guidelines, I immediately contacted my bank via phone for assistance with recovering {$3900.00}. I informed that the {$3900.00} were with the Citi XXXX service as one transaction of {$1900.00} on XX/XX/XXXX and a second transaction of {$1900.00} on XX/XX/XXXX. I was transferred to the department under which Citi XXXX XXXX is under and and Citi staff. Citi staff assured me that given services were never provided, Citi would post a provisional credit to my account in 10 business days and that after 45-90 business days I would receive final documentation for the report of fraud. I was provided with a reference number for my report. I received a letter from Citi electronically on XX/XX/XXXX assuring my fraud report was received and would be processed. Ten business days passed and the provisional credit did not post as Citi staff had assured on XX/XX/XXXX. I received a second letter from Citi electronically on XX/XX/XXXX ( dated XX/XX/XXXX ) that the {$3900.00} would not be recovered by Citi, contrary to what was communicated and noted on XX/XX/XXXX. The proposed alternative by Citi was followed.
Consumer complaint received 2021-06-30
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: JPMORGAN CHASE & CO. (NY)

I have these accounts that are not mine nd i want it to be remove from my credit report asap. 

1. Identity Theft JPMCB CARD Account XXXX : XXXX This is not mine. 

2. Identity Theft XXXX Account XXXX : XXXX This is not mine.
Consumer complaint received 2022-10-03
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: AMERICAN HONDA FINANCE CORP (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
AMER HONDA XXXX Date OpenedXXXX Balance : {$0.00}, AM HONDA FIN XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2021-06-30
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : XXXXXXXX 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 XXXX XXXX XXXX
Consumer complaint received 2021-06-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big City Finance, LLLP (TX)

I received an email to an address I rarely use from Power Finance saying they were not able to grant me a loan. It included a Notice of Adverse Action that did not contain any of my information. 

I never applied for a loan with them and when I responded to the email they wanted me to call and give them my personal information because they could not pull up any account associated with my email address. 

Of course they can look up the application/account by the email address but they wanted to get more of my personal information. 

I responded again pointing out that it was them who contacted me and it is absurd they can not pull up an account via the email address. 

I received a response from someone there stating the name listed on the application ( yet not the XXXX ) was not mine and since it was not in my name they would refuse to provide any information. 

Clearly they are using the bogus XXXX 's as either a marketing scheme or a phishing scheme to get XXXX from unsuspecting people. 

The email address they sent the bogus XXXX to is XXXX I have attached their " XXXX '' It is very clearly missing information required by XXXX
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP (OH)

My business checking account XXXX was closed on XX/XX/XXXX of 2021 with a balance of {$63000.00} Today is XX/XX/2021. I haven't received my funds from Key Bank. I have called numerous times. I spoke with a lady XXXX and was told my check will be mailed XX/XX/XXXX. After I didn't received my check a called back someone told me I will have to go to the branch to deal with the issue. I spoke with XXXX XXXX at the breach his said he called the back office and spoke with numerous different people and no one gave him a solid answer about {$63000.00} check that should have been issued to XXXX XXXX dated on XX/XX/2021. On XX/XX/XXXX I spoke with XXXX in Fraud hotline department he was very rude and said it's nothing he can do for me and would not transfer me to his supervisor or would not give me the number to corporate. Key Bank has seriously damaged my business. I'm not able to pay my employees, pay my rent, or any operating expenses. They have held my funds for over 90 days with no explanation of why my account was closed or when I will receive my phone.
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NY)

This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You must remove/block any accounts that 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 Date Opened : XX/XX/XXXX Balance : {$45000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Consumer complaint received 2021-06-30
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/2016 I applied and was approved for a Platinum Card with a sign up bonus of XXXX points under the condition that I spend $ XXXX in 3 months. I received the points XX/XX/2016. On XX/XX/2016 I contacted Amex customer service via chat ( screenshot provided ) and asked if me returning an item would cause me any issues with my sign up bonus of XXXX and asked for confirmation that I would get to keep my points without issue. The representative ( XXXX ) assured me that it would not cause any problems. 

Thus, I was surprised to find that on XX/XX/2016 my XXXX sign up bonus was removed from my account. When contacting Amex, they transferred me to several different departments until giving me the reason that the points were removed because of " returns ''. They then said started an investigation and put a hold on all of my remaining points in my account thus preventing me from using them during the holiday travel season. It has now been 2 months and I have received no response, my points have not been returned, and my account has been locked. I 've contacted Amex for a status update and they continue to give me the run around and transfer me to several departments until I get hung up on. 

*I 've attached a copy of my chat with the Amex customer service representative confirming that returning an item would not cause my points to be reversed. I 've also attached a copy of my statement showing the same charges shown in the chat to prove the chat was talking about the account mentioned.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (AK)

Last month I applied for a loan with a company " XXXX XXXX XXXX '' I have all the original loan promissory legal note and notarized identity verification also and other paperwork and digital documents as well. So now Key Bank my bank says I owe them nearly XXXX XXXX dollars? How is that even possibly when they are issuing me my credit of account from the federal reserve? I know what happens at XXXX I have read many bank manuals its kind of funny how many people have their hands in pockets that don`t belong to them, between both sides of the accounting also, through the complete 1099 series XXXX., acquisitions, and forms don`t forget the courts one shouldn`t have to function in the private there is plenty of people unaware and others that don`t care, but I do! I am a XXXX XXXX I can barely manage to pay a bill on the account I do not enjoy paper work I will not be taken advantage by anybody I am a introvert but if I won`t speak up for myself who will definitely not ... Anyway I called the FDIC they told me that they do not handle their account I thought every bank account is insured through the FDIC so do I need to talk to XXXX or their minor XXXX? My thoughts are going back to the FDIC.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

I was one payment away from getting my LTV below 80 % and thus getting rid of a $ XXXX/mo PMI payment. Just before the payment was made, my loan was sold by XXXX to Chase who subsequently changed the rules. Chase requires XXXX % LTV or a new {$450.00} appraisal, a very unfair practice to keep me paying PMI when I was so close to getting rid of it. My home was valued at $ XXXX and Chase will not honor that appraised value. A new appraisal would surely be more than the XXXX Assessor 's value of $ XXXX but I feel it 's unfair to ask me to shell out another {$450.00} to prove it. Or to continue paying PMI until XXXX 2016 when the principal would be below 78 %.
Consumer complaint received 2021-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CO)

I received a notice in the mail my escrow was too low, giving me the option to send in a lump sum to keep the escrow payment as it currently was, or another option to raise my escrow payments over the next 12 months to correct the balance. I opted to make the lump sum payment. It's now been 2 months since I made this payment but my escrow payments went up anyways as if I hadn't sent in the extra money. 

The real issue here though is the fact that I can not contact the company to amend my escrow payments. The company does not offer ANY way to contact customer service for an existing mortgage. The phone number given here, https : XXXX/www3.mtb.com/homepage/explore-the-m-and-t-bank-help-center/mandt-bank-phone-numbers-by-department/telephone-directory, XXXX does not offer a way to contact a real person to resolve this, and all other list departments tell me they do not have the ability to forward my call to someone relevant.
Consumer complaint received 2021-06-30
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. (IL)

I sent in a request on XX/XX/20 requesting method of verification for 3 accounts. I have attached the letter as well. I have not received any documentation or response at all. the following accounts that was : XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account They have not sent any type of response to my request. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in your file at the time of the request concerning the accounts that they are reporting on my credit report.
Consumer complaint received 2016-04-03
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (IL)

I have been receiving calls to my home number from various phone numbers that my caller ID describes as NAVIENT. These include XXXX, XXXX, XXXX, and XXXX. When I call back I am connected to your automated phone answering system. For a while the calls were sporadic but they have increased in frequency recently. I received multiple calls from XXXX on XX/XX/XXXX as well as multiple calls from XXXX. I received additional calls from XXXX on XX/XX/XXXX and then started receiving calls from XXXX. I have been getting 4 to 6 calls a day. On XXXX XXXX, I received a call at XXXX XXXX from XXXX. When I answered, a recording told me that it was calling from Navient looking for XXXX XXXX and wanted him to call back at XXXX to discuss making arrangements for payment of his loan. 

With most of the calls, no message is left and most of the time the calls do not connect with my answering machine. When I answer, the recorded message does not always pick up. I do have an account with Navient, but my account is in good standing and when I called and inquired, I was told that there was no record of any calls being made in my account. 

I reported these calls to Navient on XXXX XXXX, told them that I believed that they had connected someone else 's account with mine using faulty skip trace information. I told them the name of the person they were looking for was XXXX XXXX who is either living in XXXX XXXX or XXXX XXXX. He is not related to me. I have had this phone number for 20 years. Navient has not made the calls stop, they are still calling me about someone else 's debt. 

I believe that the skip trace information was purchased from XXXX XXXX XXXX. They have had faulty information connecting XXXX XXXX to my phone number for years and have refused to fix their algorithms or update their information despite the fact that I have made multiple requests. I want the calls to stop, to be compensated for the calls and the time I have spent trying to get them to stop. I also want Navient to tell me where they obtained the skip trace information and to have that company permanently remove any connections between me and XXXX XXXX.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. ()

I wanted to operate in my account of Coinbase, but I can't, from months ago, I have my account restricted without a reason. I tried to contact with Coinbase, but they never reply, and I've been surfing on the Internet and I find out that a lot of people have the same problem that I have. I wish they could return my account and start operating in my Coinbase account because I really like the page, but the attention client is really bad and that scares me because I want to feel secure in every page. 

Thanks for your attention!
Consumer complaint received 2021-06-29
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The following accounts must be deleted from my consumer report. This is a violation of 15 usc 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD. Failure to respond satisfactorily with deletion of the referenced account and also a free copy of my report after the changes have been made will result in actions being taken against your company. 

i'm actually the person sending in my own disputes to the Consumer financial protection bureau, Federal Trade Commision, Attorney general, XXXX, Equifax and XXXX