davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA (NY)

On XXXX 2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.
Consumer complaint received 2019-02-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc. (MD)

XXXX XXXX medical bill was {$55.00} dollars XXXX XXXX XXXX. is the company is charging extra {$240.00} in interest making a total off {$300.00} I have never sign any contract with the original company ( XXXX XXXX ) this company is treating me to damage my credit score if I don't pay the bill I have contacted the company to pay my bill but they are charging all they want not giving me the option. to paid the original balance. 

XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (CA)

This company Wellsfargo has been harming my credit for over 6+ years now. I have tried to reach them to have a conversation about the last settlement they offered and they just keep on leaving me on hold or they dont pick up. Ive tried to reach them several times the last time I got in contact with someone and they kept on transferring me to different departments, and at the end of the day they ended up clicking on me just want to clear my credit so Im able to buy a home my first home, but this is hurting my credit at the moment I almost paid off all my debt and this is the only one thats hurting me really bad.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

My Chase Visa was compromised on XX/XX/XXXX and XXXX by an unknown individual. 13 fraudulent charges were issued on my account : XX/XX/XXXX XXXX XXXX  XXXX FL XXXX XXXX  XXXX FL Shopping {$380.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX - XXXX  XXXX  XXXX XXXX  XXXX - XXXX  XXXX  Shopping {$100.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$290.00} See details about this transaction XX/XX/XXXX XXXX  XXXX XXXX  XXXX Shopping {$86.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Groceries {$42.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX Shopping {$160.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$210.00} See details about this transaction XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX  XXXX  Shopping {$500.00} See details about this transaction XX/XX/XXXX XXXX # XXXX XXXX # XXXX Shopping {$95.00} See details about this transaction XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Shopping {$150.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shopping {$400.00} See details about this transaction XX/XX/XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX Shopping {$190.00} See details about this transaction XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Gas {$35.00} My identity was stolen in late XXXX XXXX of XXXX. When these charges occurred, I had an open police case. I filled out a supplemental police report online and informed the Sheriff 's Office that my Chase Visa had been fraudulently used. 

I immediately disputed the charges with Chase and they were removed. I did not use my Chase Visa at any of the above locations. On XXXX ( XX/XX/XXXX ), I was at XXXX. The day after XXXX I was at the XXXX XXXX. I was with my sister, her husband, my niece, my child, and my husband at the time these fraudulent charges were occurring. I can provide their contact information, if necessary to verify this. 

Around the time these charges occurred, Chase was receiving calls from a person pretending to be me. Chase should have a record of a person calling in from XXXX around the time these charges occurred and attempting to get information about my account Chase removed the charges on XX/XX/XXXX. Then on XX/XX/XXXX Chase reposted all of the charges to my account. I called Chase and they are insisting that I must have made these charges because my card has a chip reader. I did not make any of these charges, but all charges have been reposted to my account.
Consumer complaint received 2023-03-27
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. (NV)

IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted equifax over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. Equifax have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX/ acct # XXXX XXXX/ acct # XXXX XXXX XXXX/ acct XXXX XXXX
Consumer complaint received 2021-02-12
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (MI)

I have/had 2nd mortgage on my Home where I am staying. My 2nd mortgage was with GMAC. GMAC has went Bankrupt. I never received anything form GMAC about whom to to make my payments to. Last document I have from GMAC is from XX/XX/XXXX about my Loan modification. It was auto pay setup for mortgage payment. 
I was going through refinancing process & now suddenly after 9 years I came to know that ALLY is listed on my Deed. My refi was denied due to I am unable to provide payment history- Which I don't have for my 2nd mortgage. 
I don't want to loose my primary residence. After XXXX I finally found correct phone # of ALLY. Rep instructed to email to Ally as follow : On Monday, XX/XX/XXXX, XXXX XXXX EST, XXXX XXXX XXXX wrote : Hi, I just came to know that Ally has my 2nd mortgage.

I used to have GMAC. I know GMAC had filed Bankruptcy. 

I never received any paper or any documents from your company. 

I need someone to contact me asap in regards to my Loan. 

I just called XXXX & spoke with XXXX XXXX ID # XXXX & finally I got email address to contact you. Loan # he gave me is XXXX My address is : XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX. 
My home # XXXX. 
Response received as follow from ALLY : Lien Releases XXXX XX/XX/XXXX XXXX XXXX  GMT To : " XXXX '' XXXX Mr. XXXX, We have researched your request and determined your loan is not in a charge-off status, rather your loan is in a dormant status. In this scenario, please contact our mortgage servicing department at XXXX for assistance with your request. Please reference loan # XXXX. 
As instructed, I have attempted to contact Customer Service- I was getting bounced around in different dept & finally phone was disconnected. 
I got your website from Senator 's XXXX XXXX XXXX office to contact you
Consumer complaint received 2021-01-14
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. (OH)

This is the second time I have a complaint about this account XXXX  XXXX  XXXX  # XXXX I have never had any contracts or account with this companyI am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further, remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
Consumer complaint received 2023-03-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to contest the presence of incorrect and faulty accounts on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect or incomplete information on my credit report. Upon reviewing my credit report, I have discovered several accounts that contain inaccurate or erroneous information. The accounts I am disputing are : XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX Balance Owed : {$29000.00} XXXX XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX Balance Owed : {$5800.00} XXXXXXXX XXXX XXXX Balance Owed : {$9900.00} XXXX  XXXX XXXX Balance Owed : {$820.00}. The information in these accounts is incorrect and does not accurately represent my credit history. I request that you investigate this matter and correct any inaccuracies found. The FCRA 's section 611 mandates credit bureaus to investigate disputes within 30 days of receiving them and correct any inaccuracies found. Additionally, section 609 of the FCRA requires credit bureaus to provide consumers with a free copy of their credit report if their dispute results in a change to their credit file.
Consumer complaint received 2021-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

My student loan provider serviced my federally-backed student loans. This student loan provider is Navient. There are a number of issues with the company which reek of corruption to say the least, but the most prevalent issue I have is this. My federal student loans ( not private loans ), should have been covered under the CARES Act provisions that are still effective. As you know, the provisions set forth to protect student loan holders during this international COVID crisis included the interest rate to be set to 0 %, and current forbearance, and a stop on any wage garnishments on any current loans. Despite these provisions, Navient continued to harass, threaten, and bully as they so often do. In fact these same federal student loans were just recently sent to collections, XXXX, who now threaten legal action against me. On a phone call to this agency, the representative on the line admitted to knowledge of the Cares Act and tried to explain the fact that these alleged loans were now owned by them, that the Cares Act and the provisions set by the government do not apply. I reiterated the fact that these loans never should even have gone into default ( just this past week ) in the first place due to the fact that the Cares Act protection provisions are still in place. This behavior is illegal. Not only are the over-inflated price-gouging actions taken by Navient outlandish, they decided to ignore the provisions set by XXXX outlining protection to student borrowers such as myself during this time. Now, this collection agency is no longer involved with the student loan policies ( according to them ), and thus these rules do not apply, according to them. Navient 's behavior is scandalous, to say the least, and this is in direct violation of the protection provided to student loan holders such as myself during a pandemic, nonetheless, the worst I've seen yet.
Consumer complaint received 2021-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (FL)

Once again, I have submitted a complaint about an issue that the company, Wells Fargo, has abjectly refused to address. Not one of my particular issues has been addressed at all. The company has communicated information about the wrong car, the wrong loan, the wrong amount and has completely refused to respond to any of these facts. I am not prepared to do anything until they address these issues directly. Details are attached here.
Consumer complaint received 2021-09-03
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)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  - XXXX  XXXX XXXX  XXXX XXXX  - XXXX DISCOVER FIN SVCS XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OK)

On XX/XX/XXXX at approximately XXXX I received an email that my Chime spending account was being suspended. As well as my Chime credit card. I currently have {$1200.00} dollars in my account. They said it was due to how my expense reimbursements where being paid. They requested documentation which I expediently submitted. I have a chain of emails and call logs in my attempt to follow up with the situation. Chime tells me it's XXXX that is suspending the account. However when I reach out to XXXX they tell me they have no information and I would need to deal with Chime. I have never felt to helpless when trying to access my funds for something as simple as fuel to my car. I have been a member with Chime for over 2 years. I stayed with them even after a multi-day outage where we could not access any funds. No one nationwide could access any of their funds in their spending account. Suspending one 's account without warning is an incredibly unfair and deceptive business practice. I would have been happy to provide whatever they requested had they notified I was at risk for suspension. We can not contact any live agent in this supposed review department and have to email a go between department. I just need to pay my bills and feed my kids.
Consumer complaint received 2021-01-13
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: Uplift, Inc (MD)

In my letter dated XX/XX/2020, I disputed the {$1500.00} alleged debt that you are attempting to collect. Additionally, I requested verification of the alleged debt pursuant to my rights under the FDCPA. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. First, under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information which is known or which should be known to be false.
Consumer complaint received 2019-02-05
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. (OH)

On XX/XX/2019 I previously filed a complaint with the XXXX ( see attached ). On XXXX.XX/XX/2019, I received a response from each of the Credit Reporting bureaus indicating that they had verified the Public Record, however they did not verify the record with the source of the Public Record. Rather, they indicated that they verified the record using a, unrelated 3rd party, such as XXXX. 

I find this impossible, as I have previously provided them a letter from XXXX indicating that this Public Record had been removed from their file more than a year ago. 

On XX/XX/2019 I sent the a Certified Letter ( See Attached ) to each reporting agency providing complete detail that I do not believe their method for verification complies with FCRA 611 ( a ) ( 6 ) ( B ( iii ). Included in this letter is a duplicate copy of the letter from XXXX confirming that no such record exists in their files. 

I further requested that they actually verify the Public Record with the USBK COURT XXXX FLORIDA as that who they claim to be reporting the record. As provided in FCRA 611 ( a ) ( 6 ) ( B ( iii ), I asked them to provide : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

If they are unable to verify this record DIRECTLY with the Creditor they claim as the reporting party, I demand that they immediately removed this record from my file. If they again claim to have verified the public record, I insist that it not be with any unrelated 3rd parties and that they provide the details of the verification as described above
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

A friend of mine accidentally sent money to the wrong account and PayPal and just as usual, the crooked people at PayPal will not allow me to refund her until they receive some information. They told her to open a case which she did, and they still holding her money. When I tried to refund, they are asking me to send {$550.00} of my own money back. I don't use PayPal or this business anymore because they are crooked and stolen millions of dollars from members. After sending some information, they decided to permanently limit the account and now she's stuck waiting for her money back. PayPal is the worst company that ever created. They steal all your money for months. I need them to give her the money back Here is the case number : XXXX
Consumer complaint received 2021-09-03
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. (MA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-03
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: Nelnet, Inc. (TX)

Department of Nelnet has furnished my student loan to credit reporting agencies without permissible purpose. Pursuant to 15 USC 1681b. ( a ) ( 2 ) I do not consent and i did not give consent to furnish this student loan on my consumer report. A consumer report is voluntary and i did not consent or volunteer for my information to be used publicly or privately. As a consumer and natural person in fact i believe that a fraud is being committed by Department of Education Nelnet Pursuant to 15 USC 1602, 15 USC 1605, and 18 USC 8.
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (MD)

I, XXXX XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent on XX/XX/2021.
Consumer complaint received 2019-02-05
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. (FL)

To whom it may concern, I have asked and wrote a letter to XXXX and Equifax on the dates : XX/XX/2018, XX/XX/2018 and XX/XX/2018 to investigate the medical accounts being reported and have asked for the proof showing that XXXX XXXX XXXX has my consent to report my medical information in accordance with HIPPA laws, and nothing was shown to me to date. I have asked for more information because this account was reported without a proper investigation and was reported without complete information. Also, this account has been damaging my credit report for so long and I needed help from your agency to sort this out. 

I am looking forward that your agency would help me and get XXXX  and Equifax more involved in investigating this account. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-03
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: EQUIFAX, INC. (PA)

I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

XXXX  - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} Equifax - XXXX XXXX {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$530.00}
Consumer complaint received 2019-02-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX is placing multiple late payments on my credit reports after several phone call attempts to make payment arrangements and payments on time. The inaccurate information is hurting my credit and ability to apply for credit. I have tried to repeatedly contact XXXX XXXX XXXX and all 3 credit bureaus about the inaccurate payment history on my account.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (PA)

I WENT ON a payment arrangement in XX/XX/2020. They did not disclose they were going to keep reporting me late for six months and charge me late fees for 6 months. Once I found out this is what they were doing I immediately paid XXXX but during that time they kept reporting me late and I was not because I was on the payment plan as indicated by the cares act.