davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-11
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. (FL)

XXXX XXXX stole my identity information and used it to open credit cards and get an apartment using my social and name. He did it all online. Police report made and submitted to all creditors he opened fraudulent accounts with 2 removed all fraud information from my reports. JP Morgan Chase refuses to remove even after being contacted by the Sheriff 's office confirming identity theft by XXXX XXXX. XXXX XXXX produced bank statements in a lawsuit showing that he used his account to pay for the cards that he fraudulently opened in my name. XXXX XXXX XXXX and XXXX also refused to remove the fraud information from my credit reports trying to collect a judgment that I have no knowledge of for a property I have never lived at. I have produced the proof to them of the fraud numerous times showing XXXX XXXX and his girlfriend XXXX XXXX stole and used my personal identity information online. I have demanded prosecution of XXXX XXXX provided his addresses social and date of birth and agreed to fully cooperate in his prosecution but they reuse to do anything and refuse to remove from my credit report. I have never been served any documents for any of these creditors and they have assisted XXXX XXXX in destroying my perfect credit. I am a highly decorated XXXX XXXX and I demanding justice.
Consumer complaint received 2020-08-12
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)

In XXXX of 2011, I filed for a chapter XXXX bankruptcy protection. Included in the bankruptcy was an account from a dental office. The office notified me of the unpaid account and I told them that I had unfortunately filed for a chapter XXXX bankruptcy protection and that the account was included. They ended up selling the account to a collection agency. I told the agency that the account was included in a bankruptcy protection. 

I have been trying to dispute it with all three credit bureaus since the inception of the bankruptcy but they keep telling me that the account was accurately reported on my credit. 

The account is now past the statute of limitations, ( four years ) according to the California law. I asked the credit bureaus to remove the account as it is too old to be on my credit file, they did not. Instead, they allowed the collection agency to continue reporting old outdated and bankrupt account to continue causing damages to my credit.
Consumer complaint received 2020-08-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AR)

On XX/XX/XXXX at XXXX XXXX Venmo froze my account and won't release my money to my linked bank accounts. I have used venmo for quite some time and I've verified my identity multiple times and apparently it's not over my identity but they refuse to say why. All I did was pay my friend and Co worker money for a vehicle he purchased for me 2 months ago and for helping my kids and I with our medical bills. As well as trying but not succeeding in getting an XXXX ride and XXXX ride online for a friend stuck in Mississippi at the casino that day right before my account was frozen. I didn't commit a crime nor did they even ask me for an explanation of my transactions. They just took my money which by their policy is fdic insured because it was added by direct deposit. It's all the money I have it came from XXXX Arkansas XXXX XXXX XXXX  which as you know is unemployment. They want to say they can hold it for 180 days just in case any merchants file a claim or some nonsense which they know the only person I paid was XXXX XXXX and he tried to transfer his money to his bank through venmo and they didn't transfer it and told him it was returned to my account so take it up with me but it never made it back to my venmo account so that's another XXXX on top of {$8000.00} they are playing with on me. I have XXXX boys 9 and 15. I can't wait until 6 months.I lost my car because of this frozen account by a company pretending to be a bank when there far from it. My venmo username or email is XXXX my name is XXXX XXXX dob XX/XX/87 ssn XXXX. XXXX XXXX is here with me. HI My name is XXXX XXXX my email is XXXX dob XX/XX/87 ssn XXXX and venmo took money paid to me and claim it was sent back to the originator which is a lie because it is not in his account I am looking with him right now and all the venmo chat agents are rude and literally join the chat read my question and literally a second later leave the chat they're avoiding us for a reason why can't we have our money it's ours not venmo 's I'm gon na call my XXXX XXXX As well but I hope you can help us.
Consumer complaint received 2020-08-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

On XX/XX/XXXX a collection was placed on my account from IC SYSTEMS. When I called I found out it was for a XXXX account I had back in 2018. Due to the pandemic I couldnt get XXXX on the line, they wanted me to use a self service option. So I called the collection agency back and told them I needed this collection of of my credit and I agreed to pay it for now and dispute it with XXXX later! I finally got a rep on the line with XXXX and she stated the chargers were from unreturned equipment. She found where the equipment was returned! The collection agency stated they will remove it in 30-45 days it should have never been on my credit. They never once even attempted to collect the debt prior to placing this on my credit. Last I spoke about this account I was advised I didnt owe anything!
Consumer complaint received 2020-08-12
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)

XXXX  XXXX XXXX XXXX # XXXX I was not aware of the debt and never received a notice. Please provide validation of debt and the procedure used to Validate.. 

XXXX # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 


XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX  XXXX # XXXX Payment history and dates inaccurate, please verification of late payment and method of verification. 

XXXX XXXX/XXXX  # XXXX Not my account. Please Verification and Method of Verification. 

XXXX  XXXX  XXXX  Not my account. Please provide Verification, Method of Verification and Validation of Debt. 


XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX  XXXX XXXX  # XXXX Please provide Validation of debt and the procedure used to Validate. Please provide the original instrument of indebtedness. 

XXXX/XXXX  Payment history and dates inaccurate, please verification of late payment and method of verification. 


XXXX XXXX XXXX XXXX Payment history and dates inaccurate, please provide physical verification of late payments, method of verification and validation of debt. This is violation of my Hippa Rights not permission to share my info. 

XXXX XXXX XXXX Please provide the original instrument of indebtedness. The dates, balance, high balance is inaccurate on this account. Provide the method of verification and and validation of debt. 

Account # XXXX Incomplete file on Equifax, please remove ; if not please provide validation of debt and method of validation. 


XXXX XXXX XXXX # XXXX Provide the method of verification, validation of debt and assignment of debt as well. 


XXXX  XXXX  XXXX  # XXXX Please provide verification of account, validation of debt and the procedure used to Validate and assignment of debt. 


11 XXXX # XXXX Please provide verification of account, validation of debt and the procedure used to Validate. 

08 XXXX XXXX  XXXX  XXXX  # Please provide verification of account, validation of debt and the procedure used to Validate and and assignment of debt. 


01 XXXX  XXXX UNIVERSITY # XXXX Please provide verification of account, validation of debt and the procedure used to Validate.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (IN)

I attempted to make a transfer from my wells fargo bank account but the account was froze due to suspicious activity so it took me a couple weeks to move my funds from the account and somewhere else that wouldn't freeze my account so i could make the transfers i was attempting to make. Its my understanding that Wells Fargo who be paying me {$100.00} for the problems in the agreement that was made for their illegal activities.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

On XX/XX/2021 I received final loan modification agreement of installment payment after my COVID forbearance. 

On XX/XX/2021 I received a notification that my mortgage payment was going to be {$1700.00} more from our agreement amount. 

According to agreement everything was already calculated escrow, past due, etc Today XX/XX/XXXX I have been going back and fourth trying to figure out why my payment almost doubled. Between contacting escrow department customer service and the loan modification department continue to point fingers at each other, then they say my homeowners county tax doubled witch is not true. 

They disbursed XXXX last year in taxes but the county only received XXXX, I am not sure how they are stating they paid that amount and they cant give me dates and there online system is very limited on what I can see. I need help regulating this lender because there terms and conditions for our agreement never stated I was past due on my Escrow account. 

According to the loan modification agreement terms sent in XX/XX/2021 I was only short XXXX, and I funded it with my proposed payments agreement prior to the loan modification agreement finalization. 

I attached the document. 


I need urgent help!
Consumer complaint received 2020-08-12
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. (NY)

There is a XXXX XXXX account on my Equifax report that does not belong to me. I have been trying to dispute information on my Equifax report for over a year. I successfully had the negative information removed from the other credit bureaus, but I have been unable to login to XXXX to dispute this information. I can log in to the regular Equifax.com website witch then redirects me to XXXX. The account does not belong to me and I want it removed.
Consumer complaint received 2020-08-12
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. (PA)

I paid in full to my credit report collections accounts, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, but still my account not updated showing as serious delinquent accounts on my credit report. 

I lost my current job due to covid 19, I have XXXX month old kid and XXXX year old kid, my current lease manager told me to vacate the current house by 30 th of this month, i am trying to find an apartment in Massachusetts, i am unable to find an apartment because my credit reports accounts still showing as collections so please delete them from credit report, so that I can find a home to keep my family safe during pandemic. 

We are from XXXX working here as XXXX, staying with families, please show some sympathy on hard working people. 

Please update my credit report so that i will get a home to keep my family safe. 

Thanks, XXXX
Consumer complaint received 2021-07-11
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. (LA)

I've been disputing my credit file with XXXX, XXXX  and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint ... ..The 3 credit bureaus reports ; inaccurate accounts that has not been investigated, nor a notice of dispute recorded, Re-Aged accounts, inaccurate balance owed, inaccurate Date of last activity, inaccurate Past Due amount, Duplicate collection accounts, Inaccurate open collection account, inaccurate delinquent collection account, inaccurate Past Due amount recorded on a collection account. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover my open accounts Payment data history does not coincide on any accounts, XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2019-09-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MA)

Hello, I submitted an income-driven repayment plan to Nelnet on XX/XX/XXXX. When I called to check on the status of the application and the amount I would need to pay the first month I was told that I needed to request a deferment to avoid paying the standard amount. This information was incorrect as the loan was supposed to be placed on an administrative forbearance while my application was being reviewed. This resulted in {$11000.00} being added to my principal balance on XX/XX/XXXX despite qualifying for the income based repayment plan I submitted an application for. 
Again in XXXX I submitted my recertification application to Nelnet on XX/XX/XXXX and on XX/XX/XXXX Nelnet incorrectly capitalized accrued interest in the amount of {$3500.00} to my account despite being on and qualified for an income based repayment and not requesting any kind of deferment or forbearance. 
On XX/XX/XXXX I submitted my documentation and application for recertification of my income driven repayment plan and on XX/XX/XXXX I was notified Nelnet incorrectly capitalized interest to my principal balance in the amount of {$2600.00}. I reached out to Nelnet on XX/XX/XXXX to let them know I did not request any deferment nor did I receive any notification that a forbearance, deferment, or six-month grace period would end soon and that accrued interest would be capitalized. My message was responded to with an email asking me to call them during business hours. This issue was not resolved before my loans were transferred to myXXXX due to my application for loan forgiveness.
Consumer complaint received 2020-08-12
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. (GA)

I opened this XXXX XXXX account in XX/XX/XXXX. I notified XXXX XXXX that not only had the 7yr timeframe pass but the balance was incorrect and reporting twice on my report. I sent out 2 separate letters attached with documents to show the reporting was incorrect and affecting my score because the account reports negatively. The letters were sent out in XXXX and XXXX of XXXX. Equifax in turn updated the account on XX/XX/XXXX as a bad debt and my score dropped XXXX points. Equifax changing the status of the account made it appear as if the account was newly reported.
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Equifax caused me identity theft after they got hacked in XXXX. Its been years now and equifax still refuses to assist me instead sending me a letter stating I need to mail them my id which I dont have to. After 4 years of the fraud caused by equifax I filed bankruptcy chapter XXXX on XX/XX/XXXX Chapter XXXX. Equifax has accounts on my file that say they havent been updated since XXXX which are fraud. XXXX XXXX was included on the bankruptcy petition. As was prosperity, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These are all discharged debts yet equifax reports these as charge offs instead of bankruptcy chapter XXXX discharged. This is against the law. None of these debts can be collected legally any further as they were discharged. I do not owe these debts.
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (GA)

List of names addresses and accounts are all in my credit report that isnt me I try calling to Get them remove was told I couldnt remove them bc they are associated with address and account that arent mines! I would like all the names and accounts investigate and removed from my credit report
Consumer complaint received 2020-08-12
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: Conn's, Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2022-06-09
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. (TX)

In accordance with the Fair credit Reporting Act OFFICE OF THE ATTY GEN Acct # XXXX, XXXX acct # XXXX has voilated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Over the past couple years, I have had a frustrating increase in overdraft fees that I have seen changes in times at merchant services because I own a restaurant will apply certain payments at the end of the weekend when I have plenty of funds in my account, those payments would be addressed on Mondays, or Tuesdays, but as soon as my my son started to struggle, they would process on XXXX which caused a number of return items for nonsufficient funds, overdraft fees, and so on. My bookkeeper even started noticing this, and spoke with me about this just a couple weeks ago. On XX/XX/XXXX I took a credit card deposit payment over the phone from a client that I was going to cater for. The amount was {$500.00}. I was really counting on that money and the next day it never posted to my account that is my business account I called and called merchant services and finally after about XXXX minute wait they let me know that the amount was kept by a collection department. I asked him what collection department and they said it was for merchant services because they kept the money for fees I owed months prior, I said thats perfectly fine, but why didnt my money hit the business account first how am I going to explain this to my bookkeeper? All she could tell me and kept repeating herself that I owe the money. Ive been demanded for a history and documentation of every transaction they ever made with my business account from my clover account at the restaurant, I wanted the documentation immediately this was back in XXXX, and I have yet to see the paperwork I asked for. Even in my regular personal account that I had with my mother who has since passed away, I have noticed that they took away my overdraft fees. So I shouldnt be able to make transactions if I dont have the money. Well, I have money in my account. I transfer it to my daughters account. They charge me {$35.00} the next day for paying the {$30.00} to my daughter that I transferred when I didnt have the money in the account. Untrue! Please, for the love of God look into my case.
Consumer complaint received 2021-07-11
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 have been notified that my information was breeched from several companies. I have recently noticed that request to review my credit was completed but not by me requesting anything. This request was not authorized by me. Please delete this information
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I am try to pay with using my paper checks and always get denied even I have a fund availability XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX ( Denial Record # XXXX ) Every times I called your call center and they said my account active and ready to use.and they transferred XXXX department and they saying that my account don't have a funds. 

I am so tied and dealing with issue.Please fix this issue Thanks XXXX XXXX
Consumer complaint received 2023-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

I have contacted Coinbase several times only to hear from them that they are sorry but they can't help and the case is closed. During XX/XX/ I have used their platform website/ wallet to purchase and send bitcoin to, as it later turned out, a fraudulent trading company. I believe the Coinbase need to take responsibility for not protecting their clients from fraud. the sum invested is around XXXX