davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance XXXX {$2000.00}, DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1400.00} XXXX and DEPT OF EDUCATIONXXXX XXXX Date opened : XX/XX/XXXX Balance : {$1100.00} XXXX
Consumer complaint received 2021-03-27
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. (MD)

I have found a couple of inquiries on my credit report that I do not recognize, never authorized. I have sent multiple letters to Equifax about it but nothing has been done. It is EQUIFAX responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. I have never authorized those inquiries and I don't even know those companies and don't have an account with them. Remove immediately those inquiries!!!!
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Made a XXXX payment Payment was for XXXX and XXXX They failed to apply it for XXXX Citi is refusing to fix it Citi Told me they called to XXXX and couldnt find my phone call Citi decided to stick with their XXXX lai And jerk me around toy with me Refuse to take the fees off Refuse to do anything Disregard everything I said And only stick with phone call to XXXX I will take them to court The court needs physical address For serving the court paper Not p o box address Citi refuses to give me a physical Address They say they dont have physical address Only p o box Big XXXX XXXX.
Consumer complaint received 2021-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

Loancare has failed to promptly post my monthly Mortgage payments beginning with theXX/XX/2020 payment of {$2300.00}. 

I have made no fewer than 10 attempts to get this resolved, between XX/XX/XXXX and today, XX/XX/XXXX. 

I have secured evidence from my credit union ( XXXX XXXX XXXX XXXX ) that they ( the credit union ) processed all of my ACH mortgage payments to Loan Care via their bill pay service. 

In addition to an exceptionally frustrating customer service experience of trying to reach someone at Loan Care by phone ( getting to a human via phone requires nearly 10 minutes to navigate their XXXX just to get to the final prompt ), their company continues to place automated calls to my mobile asking that I contact them. 

Loancare is unable to connect the dots to resolve simple issues. 

Please help!
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

RE : COINBASE ACCOUNT CASE # XXXX In XX/XX/2021 I contacted Coinbase via their website that I needed assistance recovering my XXXX Authenticator, They were able to assist and the problem was resolved, In the meantime I was contacted by phone from someone ( XXXX ) whom I now know was from outside Coinbase Support who knew I was having a " technical '' issue and somehow knew my phone number to contact me. I disconnected the call and again went on Coinbase website and let them know of the contact attempt as they do not call customers. They disabled, locked my account and I have been trying to get my account unlocked ever since. The account recovery process needs to be done from a desktop computer which I have used many times by purchasing a XXXX  app on my phone. Once I did that I completed account recovery several times and it may have had a watermark on the " selfie '' and Drivers License photo, once I realized that I purchased the upgraded version to remove the watermark. The Account Recovery Process repeatedly is coming back as " Cancelled '' with no explanations or help in recovering my account. Its been 2 months now and a lack of Customer Support to resolve this issue. I am attaching all the details and timeline of communication and description of the difficulties in reaching resolution.
Consumer complaint received 2021-02-25
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$180.00}, {$0.00}, {$6800.00}, {$2100.00}, {$0.00}, {$910.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

-- AUTO LOAN OR LEASE 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$910.00} -This is not my account.
Consumer complaint received 2020-12-08
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)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (TX)

This is an old XXXX XXXX XXXX cell phone bill from XX/XX/XXXX which has already been bought and by XXXX with the amount of {$210.00} bought on XXXX XXXX. They have not contacted me until I did a dispute with XXXX XXXX a few days ago. Told them to stop calling because I cant confirm if they arent scammers. They have not sent me anything At all in the mail and no emails or anything. I think this whole thing is a scam on my credit report.
Consumer complaint received 2019-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I checked my credit report and found a unpaid debt for XXXX XXXX posted in my report. This action was done by I C Systems debt collection. I called and explained it was not my debt. During that conversation, actually 3, I found this debt belonged to my son who lives at a different address and apparently subscribed to XXXX XXXX. They told me to call XXXX XXXX to fix this problem, I did. XXXX XXXX told me they gave the collection company the correct information and they used a practice called " skip tracing '' and that collection company would have to correct it. I called I C Systems back and they refused to correct this error and remove the debt posting from my credit report. I C Systems phone XXXX XXXX XXXX XXXX Spoke with XXXX employee XXXX. They reference is report XXXX XXXX XXXX and account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX I spoke to XXXX in Texas. The XXXX XXXX account number is XXXX. The account is in the name of XXXX XXXX XXXX. They posted to my credit report for XXXX XXXX XXXX My contact is ph. XXXX XXXX XXXX, email XXXX XXXX
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is incorrectly reporting my student loans to all major credit bureaus. I've had a Student loan with them since XXXX. In XXXX of XX/XX/XXXXWells Fargo transferred ownership of the loan to XXXX. However, Wells Fargo has incorrectly reported that my account is " Closed '' " Not in good standing ''. 

I have not missed a payment since XX/XX/XXXXwith Wells Fargo and am being negatively impacted. My 10 year student loan history is inaccurately being reported as 2 months. XXXX has reported the payments i've made over the last 3 months, but do not include any indication that the loan is an existing one prior to XXXX of XXXX. 

I have contacted : XXXX, XXXX  and XXXX  in order to have this updated and the derogatory remark of " Consumer Disputes After Resolution '' removed from my credit history. In addition, Wells Fargo has not clearly reported account updates to all 4 major credit bureaus.
Consumer complaint received 2022-08-06
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. (PA)

I'm a natural person. The credit bureaus continue to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts we'll have some big problems and I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2019-08-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I paid for a course offered on XXXX to a guy, he asked me for {$640.00} dollars in advance to start the course through XXXX quick pay. He never provided the course and doesnt want to return the money to me, I have been trying to contact him and also called the bank but they do not want to resolve the issue or offer an investigation for me.
Consumer complaint received 2018-02-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

My mother XXXX XXXX XXXX has a VA Loan the servicing was recently purchased by LoanCare. She has been making her payment to another company with a tax exemption. She is an XXXX XXXX XXXX XXXX widow. XXXX took over her loan that had a payment of XXXX monthly in XXXX. They recently sent her an escrow statement stating she has an escrow shortage of {$1100.00} and that they are raising her mortgage payment on XX/XX/2018 to {$1600.00}. She has sent the Exemption letter to their office and phoned them on several occasions with no solution. They keep telling her to send it to their Florida office that they do not handle it. I personally sent the Tax exemption letter to all 3 addresses listed on back of her payment letter. The only response she has received is this letter stating they are now raising her payment not reducing it. I have been advised to send a letter to them directly and carbon copy the CFPB on the letter to see if we can get a solution. My mother is old and lost her husband a few years back and does not need this stress.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been trying to get a copy of my credit report and check the results of my mailed in disputes but have been unable to for the last 9 months. 
I call EQUIFAX and always get the same answer " the system is down ''. 
I can not check my report, nor can I review the dispute results. 
This is a burden and in my opinion violates the FCRA timeframes, since I can not view anything in a timely fashion and must wait for everything to be mailed to me via the post office, after I call and stay on the phone for an hour to get the same reply back, or send another letter to request my results in writing, adding weeks to my dispute. 
It takes approximately 2 months for a dispute review because of the " SYSTEM IS DOWN '' for the last 9 months. 
This reporting and disputing process has cost me an opportunity for employment because I still have not been able to rectify the problem.
Consumer complaint received 2022-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (IL)

As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. 
The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
FURTHERMORE, the above consumer DEMANDS the following below : Account Name : AMEX Account Number : XXXX
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (GA)

I receives a discharge from XXXX XXXX of my debts in a chapter XXXX bankruptcy case in 2016. According to 11 U.S.C. 523 ( a ) A creditor may no longer initiate or continue any legal or other action against the debtor to collect a discharged debt. Discover is continuing trying to collect by putting a lien on my home.
Consumer complaint received 2019-03-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (PA)

I was enrolled in XXXX XXXX College in XXXX, PA in XX/XX/1999 through fraudulent means. My mother and father signed the paperwork for financial assistance ( Sallie Mae ) without understanding anything ( they don't know English ). The career advisor did not know XXXX and it was never translated so that my parents would understand what they signed. The advisor was using aggressive selling tactics. I was supposed to earn an XXXX Degree in 18 months but they closed and I was unable to use any credits to transfer to other colleges ( they said they were transferrable ). I was, in turn, stuck in a loan at a high interest rate with Sallie Mae without even getting my XXXX Degree. 20 years later and I now owe over 60,000 ( they sold the loan to Navient ). XXXX XXXX College was sued and many students got relief. I am in dire need of relief from this loan.
Consumer complaint received 2019-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

I opened a savings account with Marcus-Goldman Sachs around three weeks ago. I added my son 's account for recurring debit to my account. A week later I tried to sign in and system said it's locked and I should call a number. After calling and spending 30 minutes, they told me that I can not transfer money from any account that is not under my name!!!! And I was like, so why the system accepted it and didn't warn me?!!!! I already added that account to some of my bill payments and now I had to change it. After talking to the supervisor, it seemed I do not have any choice, so they told me that they deleted my son 's account from system. 
10 days later, XXXX in the morning my son called and told me that they withdraw the money from his account!!! and since he has a payments for that day, I should pay him otherwise there will be returned check fees. 
Although I called Marcus and tried to fix it, my complaint is that their system should have warn me that I can't use that kind of account at the first place. Then, when I called and they forced me to delete the account, it should have stopped any recurring debit related to it. It is against privacy of customers too, since they are holding on to an Information that was deleted and using it to transfer the money. I keep the right to sue the bank and this complaint does not prevent me from doing it.
Consumer complaint received 2019-08-16
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)

On XX/XX/2019, I forwarded a copy of my Federal Trade Commission Crime Report to Equifax which outlined my case of identity theft. This report along with a typed and itemized list of which inquiries were fraudulently made were sent in immediately when the reports were provided to me. 
Equifax has chosen to ignore this legal matter and unlike the other two major credit bureaus : XXXX  and Equifax, has refused to even acknowledge or attempt to rectify the effects of this crime on me. XXXX  and Equifax followed the proper federal laws and deleted these items while Equifax has chosen to willfully non-comply with those same federal laws.
Consumer complaint received 2019-08-16
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. (FL)

I am uncertain as to WHY these late payments are present..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report.. Remove the late payments on XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-08-16
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. (CA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX # XXXX and XXXX XXXX, XXXX
Consumer complaint received 2021-03-27
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: WELLS FARGO & COMPANY (GA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Social Finance, Inc. (AZ)

I was hacked in my acct with Sofi. The phone number and email were changed. In XXXX. They then subsequently tried to remove {$60000.00} from my checking acct which I didnt have. My bank charged me {$260.00} in overdraft fees which I got removed thank to prompt action by XXXX my bank. I the after several failed calls to Sofi I finally got on the phone with them. Told them to sell all my stock and withdraw my money and close my acct. and several tries and multiple emails and calls. Sofi then withdrawal several fees and other actions left me with {$1900.00} in my acct. never got an explanation of fees or why they were taken out. After multiple attempts to withdraw my money to no success, I contacted XXXX XXXX attorney with XXXX. He drafted a letter to Sofi demanding contact and resolution. Within a ten day window. No response from Sofi. And as of today I still dont have my money and acct is still open. I also when I call they cant find my acct due to them never changing the hacked email