davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (GA)

I ordered two " XXXX XXXX XXXX '' XXXX XXXX chargers on XX/XX/2019 from XXXX XXXX XXXX for {$100.00}, Order # XXXX, using my Wells Fargo debit card. 

I received the items I ordered on XX/XX/2019, about a month after I placed the order. 

The items I ordered do not work correctly. While it charges my XXXX XXXX, it does so extremely slowly. I recording the battery percentage as well as the time, and checked back throughout the day to record the status. Here were the results : 25 % XXXX 32 % XXXX 35 % XXXX 39 % XXXX 37 % XXXX 54 % XXXX 63 % XXXX I contacted the seller on XX/XX/2019 to request a replacement or a refund. The seller replied that it was already past their XXXX warranty. But it took more than 14 days for the items I ordered to arrive, so even if I had tried to return it the day I received it, it would have already been out of warranty. 

I filed a debit card dispute with Wells Fargo on XX/XX/2019, with reference number XXXX. Wells Fargo completed their investigation on XX/XX/2019. Wells Fargo did not decide the dispute in my favor because the item was delivered by the seller, even though it did not function correctly. 

There are 43 similar complaints about this company filed with the XXXX XXXX XXXX within the last year, either not receiving the item at all or receiving non-functioning items.
Consumer complaint received 2018-11-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (TX)

Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX 's XXXX  XXXX   Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
Consumer complaint received 2020-08-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MO)

Upon review of the payment transaction history with FedLoan Servicing, XXXX XXXX, and XXXX XXXX XXXX, the required number of qualifying payments under the Public Service Loan Forgiveness ( PSLF ) Program will have been made as of  XX/XX/XXXX, after the final qualifying payment scheduled for XX/XX/XXXX. 

Please note that all Subsidized and Unsubsidized student loans were consolidated on XX/XX/XXXX and the loan servicer at that time was XXXX XXXX XXXX ( XXXX ). Attempts to contact XXXX XXXX XXXX were unsuccessful, as www.StudentAid.gov was not able to provide contact information for the company. XXXX XXXX XXXX was closed in XXXX and the loans were transferred to XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX provided a payment history of all payments made while designated as the loan servicer from XXXX, XXXX through XXXX, XXXX. Bank statements were requested from XXXX XXXX  XXXX for the time period of XXXX, XXXX through XXXX, XXXX. Although I was informed that XXXX   XXXX XXXX does not keep records past the seven year retention period, and was unable to obtain the requested statements showing proof of payment. 

After several hours of research online, I found an email address for XXXX   XXXX XXXX ( XXXX XXXX ) from a XXXX post. This post, made by a person in a similar situation to mine, stated that if you contact the following email address ( XXXX ), XXXX would be able to pull payment records during the time period that is was known as XXXX XXXX XXXX. I received the below response from XXXX  after contacting the above listed email address : The XXXX XXXX XXXX business line was separate from XXXX XXXX XXXX ( XXXX  ). XXXX did not service this type of loan and we have never had access to any of those records. XXXX XXXX XXXX servicing closed in XXXX and all active loans were transferred to a new servicer. It is our understanding that when XXXX XXXX XXXX discontinued servicing, the loan data was sent on to the subsequent servicer. If your XXXX is unable to provide assistance, we suggest contacting the Department of Educations Office of the Ombudsman at XXXX. 

Attached is a signed Employment Certification Letter verifying my employment with the State of XXXX from XX/XX/XXXX through still employed. During this time period I was also employed by XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Both of these places of employment qualify under the XXXX XXXX XXXX XXXX XXXX. 

In closing, I am requesting that you recalculate the number of qualifying payments that have been made to my account, as XXXX XXXX has inaccurately calculated my loan forgiveness date as XX/XX/XXXX instead of XX/XX/XXXX. There were 15 qualifying payments made to XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ), 76 qualifying payments made to XXXX XXXX ( XXXX XXXX ), and 28 qualifying payments made with XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ). 

Thank you for your time and attention to this matter.
Consumer complaint received 2021-07-10
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-07-10
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. (IN)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (OH)

Received a call from Pro collect Inc saying it was an attempt to collect a debt. I called back and just gave my first name and they said they were collecting a debt from XX/XX/XXXX-XX/XX/XXXX that was for {$210.00} from a company Id never heard of. Sounds like a utility distributor. I never have received any letters of this debt they said theyve been contacting me about since XX/XX/XXXX. They had an address on file for me Ive never lived at. I asked for proof theyve tried to call my phone number at they just called, that Ive had for 5 years, and they said theyre calling now. When I asked for proof from Their agency they said XXXX it. When I asked for proof of the place Im in debt to they said XXXX it. The person said theyll mail out proof to the address they now requested from and said I have to pay the debt in full by Monday. Its tuesday and Thursday is a holiday and then a weekend. Theres no way to get their letter and do research by Monday. Highly suspicious of this group
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alpha Recovery Corp (MO)

Alpha Recovery Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX Did give out my personal information ; date of birth, last four of  my social security number, on a recorded line, without properly identifying.
Consumer complaint received 2021-07-10
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: ID Analytics, Inc. (NJ)

I recently notified XXXX that I am a victim of identity theft. XXXX responded that they verified fraudulent information. I would like an explanation as to how FRAUDULENT information can be verified as accurate. Once again I state that I am a victim of identity theft.
Consumer complaint received 2022-10-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO. (MO)

THIS IS NOT A DUPLICATE COMPLAINT TODAY I CALLED ABOUT MY LEASE AND LATE FEES I WAS TOLD THE LATE FEES THAT WERE ATTACHED WAS FROM XX/XX/XXXX and XXXX OF XXXX per Conversation with XXXX. 

I MADE A PAYMENT IN XXXX IN THE AMOUNT OF XXXX XXXX IS MY MONTHLY PAYMENT AND XXXX is the late fee. When I paid the account in XXXX I was not told of any late fees and was giving the amount due which is what I paid. THE PAYMENT I MADE IN XXXX OF XXXX in the amount for the late payment didnt go to the late payment they purposely put it towards the deferred payment which is not due until I turn in the lease. So the statement that she stated for me to view had the amount off my XXXX payment and a XXXX late fee that should have been credited since I was unaware of a late fee. The representative didnt state a late fee or the automated system when I call. You cant rely on mailed statements to make it to my address for me to view. I have a problem with Chase committing fraud on my account I paid the late payment that you put on the statement for XXXX PAYMENT but you turn around and applied it to the deferred payment? Its okay for them to make errors but not the consumer no its not okay its unacceptable I want the calls playback.
Consumer complaint received 2023-01-21
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. (LA)

I had an account, that I have disputed multiple times with XXXX XXXX and the late payment they are inaccurately reporting on both of my accounts and continue to reflect on my credit report. Although it was assigned to someone who was supposed to investigate further after I filed a XXXX  report, they never corrected the late payment on my report. On XX/XX/21, I made a payment of XXXX, which took care of the amount due for XXXX on account ending in XXXX and XXXX on that same date for account ending in XXXX. The month of XXXX, I was switching bank accounts, which cost me to not be able to make payments for that month. I did not make another payment until XX/XX/XXXX for both of those accounts, which were paid in full, however would have caused me to be more than 30 days late for the month of XXXX and not yet for the month of XXXX. The due dates for XXXX was XX/XX/XXXX and XX/XX/XXXX. 
I was more than 30 days late for the month of XXXX and only about 12 days late for the month of XXXX. By federal law, a late payment can not be reported to the credit reporting bureaus until it is at least 30 days past due for the month being reported as late. I have disputed it with all the bureaus and rather than do the right thing, they are continuing to validate the inaccuracy as 30 days late for XXXX to MALICIOUSLY cause harm to my credit, rather than reflecting the true status of the account. Since XXXX XXXX is refusing to report accurately I would like this tradeline removed from ALL of my credit reports before my only option left is to engage not only the State Attorney General, but a FCRA attorney. IF they decide they would like to keep reporting GROSSLY INACCURATE information.
Consumer complaint received 2020-08-11
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. USDEPTED XXXX {$1700.00} USDEPTEDXXXX {$2200.00} USDEPTED XXXX {$13000.00} USDEPTED XXXX {$6900.00}
Consumer complaint received 2021-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NM)

I have been making payments towards my student loan under and income based repayment plan in an effort to qualify for the student loan forgiveness program. I would be finish with my 120 payments or close to it however Fed loan servicing is now telling me half of my payments did not qualify under the 120 payment.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX myself and Midland Funding Funding signed a consent judgment for a settlement payoff of {$600.00} for a {$1000.00} amount on debt. After paying {$25.00} a month the amount was paid in full said company went back into XXXX XXXX court and was granted a judgement against myself for the for the {$1000.00} amount. Never sending any court documents to appear in court for this judgment. Said company has now went as far as to garnish my wages from my employer before our court hearing tomorrow on XX/XX/XXXX about this falsely obtained garnishment.
Consumer complaint received 2021-07-10
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. (SC)

Reviewed my credit report Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Reporting account that shouldn't be on my report. Incomplete Collection Account and Unknown. Incomplete accounts shouldn't be on my credit report per federal law. XXXX XXXX? incomplete and inaccurate.
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: AMERICAN EXPRESS COMPANY (MO)

Around a year ago American Express Bluebird prepaid debit card division permanently suspended my Bluebird debit card while it still had a huge balance that I can no longer access. 

They then sent me an email claiming that their fraud detection algorithm detected what they believe is my violation of section 22 ( d ) of the Bluebird Member Agreement. 

They refuse to state what behavior or action I did that caused this algorithm to suspend my account nor did they give me any ability to appeal the decision. 

The first dozen calls to American Express outsourced call centers initially gave me hope because the poorly-informed, poor quality, and poorly-trained customer service reps said they just needed to contact my local bank about my main bank account to verify its ownership by me then they would be able to reinstate the card. At the time they couldnt because it was after bank hours. 

The next day I requested to speak to a supervisor since I could not easily understand the reps that would initially answer the phone. They clarified and said I was permanently suspended with no way of fixing the issue on their end and I would have to write a letter to their corporate po box if I was upset with the outcome.
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (FL)

In trying to link my PNC bank accounts with XXXX  through XXXX, I get the message that PNC has made a change that prevents my accounts from being linked. This is preventing me from being able to invest through this account. I'd like the cfpb to work to fix this issue with PNC.
Consumer complaint received 2021-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (MS)

I paid off my quoted payoff to hyundai motor finance on XX/XX/XXXX and was told i was told i would get my title in 3-5 business days .month passed by, i would call and get a generic response oh it's in process and the you should get it soon. Then more than a month later they added another XXXX $ to the quote saying oh this is the actual quote even though on XX/XX/XXXX i was given a different quote earlier. I even paid off that amount. Now they they still haven't released my title, the call to their lease end and customer service just ends in the same generic response. 
They are sitting on XXXX  of dollars of my money and not releasing my title. I can't sell the car. I can't even get a car tag without the updated title causing undue distress.
Consumer complaint received 2022-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

I have a Wells Fargo credit card. They have my address and telephone number. Unknown to me, the USPS was rejecting my mail. Wells Fargo openly admits they knew the statements were being rejected. They could have called me, but claims they did not have permission to do so, same with texting. Or even send something via XXXX or XXXX. In that time, I had a payment that was 3 days late and now my credit score has dropped 130-150 points on all three of the major credit reporting agencies. 

I want Wells Fargo to remove this 30 day late because they did not make any attempt to reach out to me like any other card company would do. I mistakenly made a day late payment and XXXX was on the phone the next day asking me if everything was ok. 

There is nothing that says the only way to communicate to me is via the USPS and had they just taken a small step to contact by any other means, I wouldn't have the horrible score I have now. Please help me get my life together again. It is now ruined. 

XXXX XXXX has slashed my credit limit by 75 %, Wells Fargo has also done this as well.
Consumer complaint received 2020-08-07
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. (GA)

The following items are incorrectly reporting on my credit file : XXXX  - Date Opened : XX/XX/XXXX ; Bal : XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( Equifax ) ; Bal : XXXX
Consumer complaint received 2022-10-24
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. (PA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than XXXX years. 

! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-11
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (TX)

I applied for a loan modification and was denied. I have never had a modification.Filled out all paperwork and wrote up statements about my financial situation. Im a XXXX XXXX vet I served in the XXXX XXXX and the XXXX XXXX. I have XXXX XXXX discharges.Very sad to treat someone this way.
Consumer complaint received 2021-07-10
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. (IL)

To Whom It May Concern : I'm filing a complaint against Equifax because on XX/XX/XXXX, I disputed 3 fraudulent inquiries that were on my credit report. The 3 inquiries were for the following companies : XXXX. XXXX / XXXX on XX/XX/XXXX 2. XXXX XXXX  / XXXX on XX/XX/XXXX 3. XXXX - XXXX XXXX on XX/XX/XXXX. XXXX / XXXX and XXXX - XXXX  were deleted, but the XXXX XXXX  inquiry remains. 

On XX/XX/XXXX, Equifax sent me a confirmation letter, with confirmation number XXXX, stating that all 3 disputed inquiries were deleted from my credit report. However, it's been nearly 4 months, and Equifax has NOT deleted the fraudulent inquiry from XXXX XXXX. I called them several times asking why the inquiry hasn't been deleted, and I'm always told to give it 30+ days for it to come off, as it shows in their system as being off of my report. The last time I called Equifax about this issue was on XX/XX/XXXX, and spoke with a representative who assured me that, this time, the inquiry would be removed, for sure, and gave me the confirmation number : XXXX. However, it's been 35 days and this inquiry still remains on my credit report. 

I want this fraudulent inquiry to be removed from my credit report, immediately!