davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK (MO)

Opened an account on XXXX and by XX/XX/21 over {$20000.00} was drained from my account. no one called me or put fraud alert that two companies had emptied my account. Finally got a call from XXXX in XXXX XXXX, who began asking me questions. I have been undergoing ID theft since XXXX and quite honestly, I was on another call before she called, and I don't recall what she asked or how I responded. I called back several days later to XXXX and she said I had answered a security question wrongly and my account was frozen, and my money would not be returned. I received an UNLOCKED DEBIT card two weeks after opening the accounts and the thief had already emptied by account of over {$20000.00}. Over a period of less than one week, i had attempted 13 calls for a total of nearly 10 hours on hold. Outwaited, your hold system and got XXXX and her supervisor XXXX, and once again, the money was refused and I asked for his supervisor, who was unavailable but promised a return call after lunch. NO CALL. I then contacted XXXX XXXX for assistance. She was out but left in her message another contact. I contacted XXXX and she promised help, but no one called. The bank has XXXX XXXX of mine and refuses to return it over a misunderstood or confusing SURPRISE CALL from and underling. In total, I have called commerce 13 times, spoken to 16 people, experience three bad transfers resulting in a hang up. Today 's phone hold time was 1 hours and 10 minutes, only to be disconnected. In total, my phone time has been just short of 10 hours over a week and a half. On my attorneys advice, I have contacted the XXXX police, Postal Inspector, FBI and the FTC. This is culminating in undue hardship and destroying a credit rating which was 820! I have locked all credit bureau on legal advice. Reiterating, two weeks after opening these accounts, a debit card finally arrived and was unlocked. {$20000.00} + was taken from my accounts without a warning from the bank after alerts had been set. Mine accounts are now unlocked due to my inability to enter my accounts. Should the thieves want more, I guess it is available to them but not me. Since then, I have left messages for a bank Officer and many other calls to Security. None have been returned.
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (PA)

I have sent 3 certified letters to this company informing them that this is not me I have asked them for verifiable proof with my signature as required law and all they sent me back was a copy of the charges the deft still shows on my XXXX  credit report My name is legally XXXX XXXX however due to my employment my name on my insurance card is XXXX XXXX and so my health report with this hospital would be XXXX XXXX not XXXX so clearly this is not my bill I have in the past been a victim of identity theft I am also a member of a class action lawsuit against Penn Credit for violations of Fair Debt Collection laws and their refusal to remove this from is in retaliation
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : Bank Of America, N.A Account # : XXXX I was never 30, 60 or 90 days late in the months of XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I am not sure how this happened. I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Consumer complaint received 2022-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Student Assist Plus LLC (OH)

This company ; Studen Assist Plus contacted me when I finished with my online schooling in 2015. They asked me about being able to pay my loan and told me they was a student forgiveness program. I would pay them {$29.00} a month and as long as I'm enrolled it will take care of my student loan. I asked the company where is the {$29.00} going to and they told me it was their fee, I also asked what happens to my loan when I am finished with this program and was not given an answer. I really didn't think too much about it until I spoke with a representative from XXXX since they now have my loan after the last company no longer has it. Also the whole time that repayments have been on hold because of covid I have paid Student Assist Plus the {$29.00} a month, so again where was the money going to and why was I paying this when there was a freeze?
Consumer complaint received 2021-08-27
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. (SC)

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX, XXXX XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, the Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth I commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachments labeled as Exhibit A through Exhibit D that Equifax is in violation of 15 USC 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, ( NESBITT ) ROBINSON, LASHONDA, never gave EQUIFAX any written consent to report anything on my consumer report, No consent is Identity Theft. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts : Accounts : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX Closed
Consumer complaint received 2022-08-25
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

All student loans are paid in full/zero balance. This includes DOE XXXX XXXX, Navient ( now XXXX ) and XXXX. The balances are reflected as paid in full/zero balance on the credit report, however, the accounts are still showing as delinquent and negatively impacting my credit score. XXXX informed me that the credit bureaus had been notified in XX/XX/2022 that all balances are paid in full/zero balance yet XXXX on XX/XX/2022 informed me that Navient ( now XXXX ) is still reporting as delinquent. I would like all delinquent accounts that are paid in full/zero balance to be removed from my credit report.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 
XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$97000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open.
Consumer complaint received 2022-07-13
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: Capio Partners, LLC (SC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-10-20
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. (GA)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. 
The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXXXXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-07-13
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. (HI)

In the last month, 2 student loans were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. XXXX and XXXX removed both accounts from my credit reports as soon as I filed the disputes. Within minutes of filing the disputes. Equifax on the other hand did not. Ive filed multiple disputes with Equifax regarding these 2 accounts and they keep saying the information is accurate and wont remove these accounts from my credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have the first reported delinquency as XX/XX/XXXX. This is inaccurate. These accounts are over XXXX XXXX XXXX, and the first reported delinquencies happened over 18 years ago. Once I filed the first dispute they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT # - XXXX Principal - {$3000.00} Interest - {$2400.00} Total Balance - {$5400.00} LXXXX XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX Current debt Holder - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IL XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX debt holder - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  - XXXX ACCOUNT # - XXXX Principal - {$4500.00} Interest - {$3600.00} Total Balance - {$8100.00} XXXX XXXX  - XX/XX/XXXX - XX/XX/XXXX First reported Default - XX/XX/XXXX Debt transferred - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. ( XXXX ) XXXX
Consumer complaint received 2022-11-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (IA)

I have received NO communication from Wells Fargo re : the claim for ( myself ) for a wireless transfer that I did not initiate on XX/XX/2022 : XXXX This claim was filed with Wells Fargo fraud department on XX/XX/2022. My claim number at that time was # XXXX. The Wells Fargo branch manager informed me that this transfer was filed under an incorrect account number and a new claim was filed for this specific wireless transfer. I was not given a different claim number and was told since ( father ) is a co-signer on my accounts, that he would be able to get information re : my claim when speaking to Wells Fargo Fraud/Complaint Dept XXXX This has not been the case. When speaking to the expedited XXXX complaint center, they state they have no information re : X claim. I have not heard anything, no phone calls, no mail re : this claim. 

The fraudster gained my trust by starting the illegal charges through my debit card. I received a phone call with the caller ID Wells Fargo stating that theres been unusual activity on my card, which I was able to see via my online banking app. They also repeated the last 4 digits of my social security number back to me- further advancing me to believe I was speaking to Wells Fargo XXXX I then received a series of text codes that were asked to be repeated over the phone and then used to initiate ILLEGAL wire transfers from my accounts. None of these codes stated any amounts or stated that they were being used to initiate a wire transfer. If my account was further reviewed, you would clearly see that I myself have never once issued a wire transfer and do not operate my transfers in that way. I was told these codes were being used to confirm my identity and to close my current accounts, along with opening new ones to prevent the fraud. 

This fraud was reported on XX/XX/2022. We are well past the 7-10 day XXXX waiting period for investigation. 
We did not initiate these wireless transfers. The text codes shared never referenced a transfer or any money amount at all.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022 I submitted a withdrawl request of {$200000.00} from my savings account with Marcus Goldman Sachs, with more than ample funds and ask that amount to be sent to my XXXX bank checking account. I gave all the XXXX information they needed to do that. I explained that this money was for a home in escrow and these funds are time senceitive. I called probably 15 times put on as many as 8 holds and Marcus Goldman Sachs never gave me a reason why they would not release the money for transfer. I spoke to supervisors and no information was given just they need several more days, and then you call again and the same answer more days to review. They put a hold on my online Marcus Account and I was unable to access the accout. I called XXXX and told them that I had sent my problem to you and that I was recordding the line. They unlocked my on line account and I had to place a new withdrawl for funds. I am hoping that this withdrawl goes through but I don't trust them. I will withdraw the rest of my savings and 3 CD 's after I receive the requested funds. Please review and help me find a way to do this without going through the above once again. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-13
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. (PA)

These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.
Consumer complaint received 2022-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (PA)

Complaint targetted to XXXX and M & T On XX/XX/XXXX, I initiated several XXXX transactions at M & T Bank ( Manufacturers and Traders Trust co ). After the XXXX transfer it locked my account under a fraud detection software. I called and waited on hold for XXXX hours and the representative resolved the issue and I completed the XXXX transaction. The next day I attempted to initiate another transfer and again it locked my account. I waited on hold for XXXX minutes and did not get through. That evening I called again and waited on hold for XXXX minutes and never got through. I called the regular customer service section and they said they could not help me they would need to transfer me to the fraud detection group and that I should be prepared to wait over an hour. I tried again XX/XX/XXXX and only waited XXXX minutes. I called a local branch to attempt to go in and handle the issue in person and they told me don't come, there is nothing they can do. The manager shared with me that he personally had to wait an hour and XXXX minutes for his own issue and that I should consider waking up really early on Saturday and trying to call then. 
I then called the XXXX XXXX XXXX XXXX  and they indicated that M & T " Bank '' is not really a bank and they had no jurisdiction and I would need to follow up with federal regulators. This feels deceptive to me. 
These payment are for my mother 's caregivers. She is a joint holder on the account and requires 24 / 7 coverage. When we don't pay timely they do not show up the next day.
Consumer complaint received 2022-11-04
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: CL Holdings LLC (MN)

I have contacted XXXX several times and provided all documentation to prove that I have not been with them. They transferred it to Jefferson capital who I went through the same thing provided all information and they said they will remove it but accounting to credit bureaus they have never received request from Jefferson capital
Consumer complaint received 2022-07-13
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (PA)

I asked my mortgage company ( MIDLAND MORTGAGE ) to defer my payment due to hardship. My identity was stolen and as a result i was fired. They are requesting documents i cant provide. I called and spoke to them and they were nasty. Horrible Argumentative and rude. I am not applying for anything. I just want to defer a payment or 2 until i get back on my feet. And they absolutely refuse to qork with me. I know they have to legally allow me to do this under fha or HuD guidelines and they will not even help me. They just refuse