davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC. (AL)

My legal name is XXXX XXXX I currently reside at XXXX XXXX XXXX XXXX XXXX, Alabama XXXX. I am demanding that the following account listed below be removed from my credit file as it is fraudulent & inaccurate. The credit reporting agency XXXX  faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  XXXX reports. If you do not immediately remove these inaccurate and incomplete accounts in XXXX business day, I will move forward with filing suit against your company and all companies involved, as I have never done business with your organization and should not be responsible for any fraudulent accounts and information placed on my personal credit files as a result of identity theft. Over 60 days ago, I requested full debt validation from your company however I have yet to receive the legal information requested.
Consumer complaint received 2020-08-24
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. (MI)

I sent a letter to Equifax on XX/XX/2020 about some incorrect things on my credit report. I sent this letter almost 2 months ago and still haven't received a response yet. I have sent multiple letters and no response. This is stressing me out especially with everything with corona and my family. I simply want action being taken and my time and complaint to be valued and considered.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (NV)

We sell firearms/ammunition some of the time in support of the US military, International allies and federal agencies & outdoor equipment, vehicles, meals ready to eat, and technology products most of the time, and yet, we are considered morally dishonorable by many large banks & the payment processors working with them. Due to their biases against the 2nd amendment of the constitution or their moral outrage over instruments of freedom, they have declined to support our businesses in spite of the billions received from taxpayer bailouts. Companies like Citigroup ( our bank ), XXXX ( our former payment processor who wont process our payments like everyone else ) and many many others happily strip rights from some customers all the while enjoying the benefits of taxpayer funded government bailouts & other socialist policies. What country do we live in anymore? Isnt our governments job to ensure the freedoms of all of its citizens? Or, maybe not anymore ... what a sad thing weve become where we are not adjudicated and treated as equals, but disparate groups unworthy of fair play ... Because agendas and narratives. Pathetic. Give us liberty.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This is XXXX XXXX. I am submitting on my own behalf. There is no other third party involved! I have previously submitted complaints and have gotten a response saying it was not from me. I have been reporting inaccuracies in a lot of my accounts on my report but I have not gotten any results or deletions. At this point nothing have been validated and should be deleted. As a consumer I am the only one that can validate any debt which I have not done, therefore I demand all accounts uploaded be deleted immediately! Please note that it has been more than 30days and as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I have been keeping careful records.
Consumer complaint received 2020-08-24
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: Synovus Bank (MS)

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Consumer complaint received 2020-08-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (CA)

I opened a personal loan with Lending Club ( Loan # XXXX ) on XX/XX/XXXX. 
I made an additional payment to the principal via check on XX/XX/XXXX. This payment was credited solely to interest, despite being properly identified as a Principal Only payment, and per the Lending Club published FAQs. I contacted Lending Club via email multiple times to correct the error, and received no response. On XX/XX/XXXX, I contacted Lending Club via XXXX, and was promised the payment would be corrected and applied as of XX/XX/XXXX. This would take 5-7 business days. 
On XX/XX/XXXX, I logged back in to see payments made on XX/XX/XXXX, and XXXX, XXXX were reversed and reapplied on XX/XX/XXXX. Also a payment made to Principal only on XX/XX/XXXX, was credit to interest and principal. 
I contacted Lending Club and was told the following by their General Payment Customer Service contact center agent who identified himself as Judge : Lending Club will not provide Payment Statements to customers The information on my Payment History online is incorrect Lending Club will not provide a corrected version Lending Club will not send me an email saying my account information is correct.
Consumer complaint received 2020-08-24
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. (TN)

I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNT BECAUSE THEY ARE DO TO A DATA BREACH WHICH MY INFO WAS EXPOSED.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting the account below, my rights were violated : XXXX XXXX Bankruptcy # XXXX 15 U.S.C. 1681 Section 602 A States I have A right To Privacy 15 U.S.C. 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2022-08-05
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. (TN)

In reference to the following accounts : *XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) *XXXX XXXX  ( XXXX XXXX XXXX ) Ive sent all of the documentation required to verify that I was indeed a victim of identity theft. A year goes by and Equifax still is reporting incorrect info on my profile. So, yesterday XX/XX/2022 I called Equifax to address the issue and this is what I was told. 

XXXX Yes sir, we can see that youve been disputing this issue, we also see youve sent in the police report and other documents that verify the claim, however it seems as if the box office decided not to use those documents and declined to pursue the matter as identity theft. We just processed this as a normal dispute. 

XXXX Why would you not use the proof and evidence to report the issue the correct way so that the matter can be resolved, this false reporting is affecting my familys livelihood. This is incorrect information on my credit report that is keeping me from being able to do the things I need to do to provide and take care of my family. 

XXXX Yes sir I do understand and agree with you completely. However, theres nothing I can do about it. The box office makes those decisions. 

Me- That is not ok. These things need to be removed today. Pursuant to these codes : * 15 USC 1681 A 3 * 15 USC 1681 A 4 * 15 USC 1681 B 2 Equifax- Im sorry sir, we can begin a new dispute. 

XXXX Why would we need to do that if the dispute is old and is currently still in process. That would restart my statute of limitations clock. Then youll drag the process out another year or XXXX. I dont want to file another dispute today, I want these XXXX accounts deleted now. This is wrong!! 

Then XXXX XX/XX/2022 I called Equifax and immediately requested to speak to a supervisor in the fraud department. The lady replied and told me that she was indeed the XXXX in the Fraud Department. I later learned her name to be XXXX XXXX ( Work I.D.- XXXX ) Ultimately XXXX XXXX XXXX XXXX XXXX ), heard me out and was attempting to initiate the process of removing the accounts. However she told me she needed me to include the account numbers in this CFPB Complaint, before she can proceed.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (AL)

There is a fraudulent credit card listed under my name with Chase Bank/JP Morgan This account is COMPLETELY fraudulent and I never opened nor applied for it. I have also NEVER lived at the address linked to this account.
Consumer complaint received 2018-07-01
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: WELLS FARGO & COMPANY (CA)

I had filed a complaint with Wells Fargo for charges that were not made by me or authorized by me. The person who took the card was an adult son. He is not on the account and was not allowed to use the card on his own. Wells fargo is asserting that he was authorized and that is not correct. I have filed a police report as soon as I could regarding the occurrence - with XXXX County Sheriff Department case XXXX. 

I had a difficult to use card, replaced. The card had issues with both the strip and the chip. I had thrown the card away in a trash compactor. Apparently, the individual took it out of the compactor without my awareness, and cleaned it from the food I had compacted on top from the fridge and put it back together somehow. I noticed utilization of this card when receiving an email indicating the card was being used 20 miles north of my location. I had called the XXXX XXXX to investigate the charge and the manager recalled the thief as the " card was very hard to use ''. She furthermore described him. After careful inspection of the statement this person used my card in locations I may use it. To be undetected. But also places I had not gone. Like a tire shop, vape store, XXXX, as burger, XXXX.. XXXX, XXXX charges totalling over {$1200.00}. This individual moved and went crazy with a card he put back together. After confronting him he admitted to taking the card prior to destruction from my wallet and returning it undetected, and later taking the card when it was disposed of. 

Wells Fargo Credit Card comes with Zero Liability at no extra cost. Its built-in protection features ensure that you wont be held responsible for any unauthorized transactions, as long as they're reported promptly. 

They were reported as soon as noticed. It takes time here to get the police report, etc. Wells fargo is not holding to their agreement. The charges I had highlighted were indeed fraud.
Consumer complaint received 2020-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (FL)

I downloaded the Paypal business invoicing software, and it said that payments take 3-5 days since i'm a new client. I agreed to that since the client wanted to pay via my new paypal invoice that I sent over. The amount was for {$2000.00} in which {$1900.00} should have been available by tomorrow, XXXX. Instead, now the invoicing software changed it to 21 days, and under the same wordage as before. It says that since I am a new customer, that it will take 21 days for the money to clear. I did not agree to them keeping my money for three weeks, and even after the money went on Paypal it would still take time for it to clear to the bank. This is unacceptable and it is not a conspiracy theory that they will be using this money to put into stocks, paypal loans, currencies, gold or silver. This is a serious bait and switch and I am a XXXX XXXX and now there are two hurricanes on the way, and they took all my money and will be likely loaning it out to other people. The actual physical payment was made XXXX. I read the information via my app on my XXXX, but this should not be so drastically different than when I am currently on my paypal invoicing software on a desktop, as I am currently. I do not think this is a coincident in the least.
Consumer complaint received 2018-07-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I started my consolation in XX/XX/XXXX, My school loans total XXXX but the payment was XXXX per month so when with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX, XXXX to reduce my month payments. I had a full time job but I work for a XXXX  company and had to pay child support. My budget was fixed. Few years into my plan with them they offered to me a discount for non-payment.

So for many years until present time they had a system that pushes me off my plan after a year or so. In the beginning year I would be reminded and helped with the paperwork. Later year, they were NO help. There answer was always to put me on forbearance for six months. Which put more money on my loan and interest too. It was a scam so I could never pay this loan off. In XX/XX/XXXX, I had taken school loan out and pay them off before ten year because it wasn't a scam.

More then that I when qualified for program for working for a XXXX the more difficult they became. I sent them a copy of my income taxes but they didn't due anything to fix my problem. I got paperwork back into them and they did nothing to help fix my payment problem. For over a year they locked me out of web system but wouldn't help unlock to get my loan straighten out. Nobody would help by phone and they would push me back to a locked system. My loan when from XXXX to XXXX because they locked me out of the system. These last two year I steadily pay them XXXX a month because they would help fix my payment plan. They locked me out of payment plan all together and try to false report that I wasn't paying them XXXX a month. They reported on my credit report that I didn't make any payment but I pay XXXX a month.

This company even advertises on the radio and I called them for help from the commercial. They refused to help me telling me that I need to send in my income tax again. I did but no help. There answer always to put the loan on forbearance, which jack the amount of the loan up.

This company uses unfair credit practices. If I had a normal bill month that I could pay then I would. I've had this loan payment for more then 15 years but it only went up even though I paid almost every month.
Consumer complaint received 2018-07-01
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (TX)

As this company states in complaint XXXX, they are just the servicer for XXXX XXXX XXXX ELT Nelnet Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans Nelnet is servicing for you. Your consolidated student loan is owed to XXXX XXXX XXXX  Elt Nelnet Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, XXXX XXXX XXXX ELT Nelnet Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX  to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the  state of XXXX. Nelnet hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the Texas Attorney General 's office. Attached is the complaint for both companies.
Consumer complaint received 2019-08-20
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. (DE)

The following accounts were reported as accurate and verified. They will not tell me how they verified these accounts what information they obtained. I would like them deleted because I have no knowledge of these accounts and they are inaccurate.XXXX Report#XXXXXXXX XXXX XXXXXXXX,TX XXXXXXXX XXXX XXXX file#XXXXXXXX XXXX XXXXXXXX,PA XXXXEquifaxXXXX XXXX XXXXXXXX,GA XXXXXXXX XXXX account#XXXX Charge off balance $XXXXXXXX account#XXXX  charge off balance $XXXXXXXX/XXXX account#XXXX  charge off balance $XXXX
Consumer complaint received 2020-11-15
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. (MS)

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts found on my credit report. I didn't receive a reponse so I sent another letter on XX/XX/2020. I still have received a response and these inaccurate accounts are still showing on my credit report. It's been 3 months
Consumer complaint received 2020-08-24
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)

Equifax and XXXX did not receive written documentation with my signature showing I entered into a contract with XXXX XXXX. I ask Equifax and XXXX to provide documentation of debt validation.
Consumer complaint received 2017-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

Funds were stolen from my savings account at XXXX XXXX. One of the fraudulent transfers was made to an account at Chase Bank. I obtained the transaction number and the ach transfer number from XXXX  XXXX. I contacted the fraud department at chase bank to report this info in an effort to find who stole my money. I spoke to a supervisor in the fraud department at chase bank. He was completely uninterested in the information. He was unwilling to investigate this fraudulent transfer of my stolen money to chase bank.
Consumer complaint received 2022-12-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have filed a dispute with the credit reporting agencies in regards to medical information reporting on my credit report. I still have not received any information in regards to my complaint. This is really hindering me from moving forward financial. It has now been over 30 days. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response Please remove this inaccurate information from my credit report as soon as possible. Thanks in advance
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft and did not make the charges. I ask that the item be blocked to correct my credit report. I've been fighting these accounts for several months with the credit bureaus and i'm getting no help at all.
Consumer complaint received 2019-08-18
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 have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. (copied from the affidavit attached)******