davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (TX)

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, a letter was sent to this company demanding verifiable information proving that this account belongs to me. This corporation did not send me any paperwork or information that would allow me to confirm that these accounts are mine.
Consumer complaint received 2021-02-04
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: JPMORGAN CHASE & CO. (FL)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, JPMCB - CARD SERVICE Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Within my credit report under the Landlord-Tenant History there is a judgement. The disposition of the judgement reads : JUDGEMENT WITH RESTITUTION OF PREMISES. The filing date is showing XX/XX/XXXX and the judgement date shows XX/XX/XXXX. This information is inaccurate. There was a satisfaction of judgment filed on XX/XX/XXXX. This information should have never showed up on any of my credit reports. I lived in the said address for 6 months after the original judgement was filed. There was never an eviction yet it appears to look that way when my credit is pulled.
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On or about XX/XX/2021 I received a letter from Wells Fargo stating that the Sheriff Sale was put on hold and that theyre working to find a remedy concerning to get things back on track. However Wells Fargo lied and is threatening to illegal sale my home with an Conspired Act with my Step Father XXXX XXXX to whom has stated that he wants nothing to do with this residence. He abandoned my late Mother XXXX XXXX who was also on the loan / deed for other women and he didnt even attend her funeral. He had also forged a {$18000.00} Refinance Check in my name and had an extra marital affair with a Wells Fargo Employee. And for the one hundredth time Im requesting that Wells Fargo stop sending their lying letters in his name to my residence or any other third party. And I have also asked them if they can use my late Mothers Equity towards this Mortgage Issue. Im reaching out to you all for help because Im being harassed and is experiencing XXXX profiling. Yes, I wants to keep my home and I had submitted a Mortgage Assistance Application to them. With reliable documents. However my former corrupt Attorney XXXX XXXX out of spite vindictively submitted another Mortgage Assistance Application despite me telling him not to do it because hes a proven liar by stating from the beginning he has no accounts with Wells Fargo on to find out he does. Now Wells Fargo is retaliating against me for firing their customer
Consumer complaint received 2021-02-04
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: EQUIFAX, INC. (TX)

XXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : DEPT OF ED/XXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment XXXX : XXXX XXXX {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late DPT ED/XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXXXXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date OpenedXXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.
Consumer complaint received 2021-02-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (WI)

My name is XXXX XXXX. I have an existing complaint against Wells Fargo Bank. Well Fargo allowed another person to open accounts, recieve debit cards, checks, change my account information. All this was done during an investigation of fraud I made on my accounts. 
Wells Fargo initially told me, law enforcement, experian, and the XXXX I stole my own money and they investigated this several times and I did this. I reported Wells Fargo to the Executive office of Complaints who also claimed there was no fraud and I stole my own money. I then reported them to your office. Low and behold they have now sent me a letter telling me the accounts are not mine and I did not open them. Wells Fargo is only paying me for what they allowed to happen the month of XX/XX/2020. I called and asked them about the remainder of the missing money, fraud. Transfers and why they will not cooperate with law enforcement. 
Wells Fargo is claiming I have to file a new claim for the rest of the fraud. I submitted this all to Wells Fargo from the beginning. Why are they picking and chosing what they get to claim as fraud. I am still out over XXXX XXXX dollars. I still have the person in my accounts. Wells Fargo gave this person and still is my information. They only gave me a portion of my money back because I reported them to this office. 
Wells Fargo is the most dishonest bank. This person has stolen my life. I am XXXX. So thats why I dont get my money? 
I have begged Wells Fargo to talked to my investigating officer. I have tracked the person who I think it is. He can not do anything without their help. 
They tell me they don't do investigations. This is never going to end if the person is not caught. I cant even open a bank account. I want my money. I live XXXX check to XXXX check. We can't run our buisness and they are still refusing to help me. I dont understand Wells Fargo is breaking the law as bad as the person who has my identity. They have and are stealing blind from me. They are continuing to let my identity be stolen. I truly believe this is an inside job. Wells Fargo purposly has given out my information and they will continue to do so. I cant stop them. 
Please help me. My investigation officer is XXXX XXXX. XXXX XXXX County Wisconsin Sheriffs Dept. XXXX XXXX XXXX. I cant afford Wells Fargo I cant afford to hire an attorney. This is completely wrong. NOONE from Wells Fargo will help me. I just keep finding more and more money missing and more and more accounts open. When I call them. They won't tell me anything. 
XXXX XXXX XXXX
Consumer complaint received 2018-02-12
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. (GA)

Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX '' XXXX XXXX " late paymentXX/XX/XXXXXXXX XXXX XXXX ' late payment XX/XX/XXXX '' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX  " open account $ XXXX " XXXX, Equifax and XXXX have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, XXXX XXXX
Consumer complaint received 2018-02-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

This scam uses many, many different telephone # s. These harassment calls only started when I dropped XXXX XXXX XXXX as my home and cell phone carrier, so the calls could be originating from XXXX XXXX XXXX --  who else would have an endless supply of fake telephone # s to call from?? The calls are recorded and talk about reducing Student Loan Debt. 
I HAVE NEVER HAD A STUDENT LOAN IN MY LIFE.
Consumer complaint received 2021-02-04
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: CarMax, Inc. (FL)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX  XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Open date XXXX XX/XX/XXXX CarMax auto finance Open date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
Consumer complaint received 2021-02-04
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. (MO)

I called to inform the credit bureaus about inaccurate inquiries as a result of I never I authorized them. This was in XXXX and I also sent my last letter on XX/XX/2020. Someone had to use my name so I reported them to the burueas ( XXXX, Equifax, and XXXX ) .I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy Also, this was reported on my account and its still showing on my report. This has not been taken seriously and I contacted the original creditor and I contacted all 3 burueas on multiple occasions through phone and letters. The original creditor sent notices to all 3 burueas about this should be removed from my report because I never authorized this and but it still remains on the report. This matter is serious but i am being taking advantage of and my consumer rights are being violated.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC. (TX)

I purchased a XXXX XXXX XXXX XXXX financed through Exeter finance. I reached out to Exeter finance in XX/XX/XXXX to see if they would work with me to try and lower the payments so that i can keep the vehicle during the pandemic. Exeter declined and the vehicle was repossessed and i actually paid to get it back in which they said they would work with me. I asked could payments be rolled over to the end of the loan and what was my other options, unfortunately the vehicle was repossessed again in XXXX, they never sent me anything where the vehicle was located so that i could retrieve my personal belongs nor when the vehicle would be auctioned off. I received a call from them in XXXX stating they sold the vehicle and that i had a remaining balance of {$9800.00} left on the loan. I later received another letter from a collection agency stating they represented Exeter and i had a balance of {$5500.00} and i was only to communicate with them to settle the debt. Exeter is reporting 3 different balances on my credit.
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

Fidelity Credit Card has been advised by the vendor on a contested charge that they are willing to close out the challenge for {$3200.00}. The vendor XXXX XXXX XXXX has sent me an email and there is a open case for this to be resolved through Fidelity Credit Card. Over the last two months I have had several problems with XXXX XXXX XXXX. The credit card company agreed to settle the issue and I have requested a new analyst as the present analyst. XXXX has not been removed from my investigation regardless of the commitment from management and he doesn't look at documents and understand that when a customer is promised something and not provided the item as described then this means the product is not the same as what was promised. The lack of assistance from the representative was the reason I have escalated and continue to complain about Fidelity Credit Card. They have issued no less than 6 credits back to me in form or checks, credits to my account and now they have a mess on my account showing that I owe them money and along with it a problem where they will charge me as a cash with interest. They have sent me over {$5800.00} in the last week and now we are faced with yet another issue on the billing. Please help me as they have made my account not available online and must wait for them to give me access to account. They will not provide the statement until XX/XX/2020.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CARD Corporation (OH)

Card.com blocked one of my cards due to third party transfers in a family members name in or about XXXX. I never used the card again they eventually shut the card down perminantly and on XXXX my EIP STIMULUS PAYMENT WAS SENT AND INSTED OF PUTTING it on my other card or sending me a new card they put it on the canceled card and even went as far as taking their monthly fees out of the money I didn't know where my EIP MONEY went to when I checked the where's my payment tool on irs.gov I didn't recognize the account number I came across the paperwork for the card yesterday and saw the account number and checked the app for card.com and saw the deposit there and contacted them and refuse to give me my money I hope you can help me get my EIP I seriously need that money
Consumer complaint received 2021-02-04
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. (WA)

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ASTA FUNDING INC. (CA)

wasn't aware of owing any creditor as i check my credit report frequently. On XX/XX/2020 i went to withdraw some money from my account and my balance was {$0.00} on checking and my savings so i went into the bank and was told that the XXXX XXXX XXXX XXXX XXXX XXXX had a judgment against and was allowed to take money from my accounts. So I called XX/XX/2020 spoke with a gentleman asking why did they take my money he then asked for my last for of my social I gave to him. He then said yes I owed money so I replied to who do I owe money to how much and what is the company name that I apparently owe money to he then said hold, but hung up on me. I then called back no answer so I called repeatedly and no answer. I did get a copy of the Judgement and everything that shows for my current Information is incorrect except my social security #, So I was never given or even mail me a judgment so I could respond. The address noted on the judgment is not my address there is no ph # for me so I do not understand how they got away with taking someone's money like that no up to date or current info. I just lost my XXXX-year-old son he was XXXX and the money in my savings was money i had saved and collected to bury my son so you can imagine what I'm going through having to deal with something that has nothing to do with me as far as I can see. They have violated my rights in every way this is unjustifiable, recklessness on their part and should not be practicing as a lawyer. How many other consumers have they done this to most likely no one has spoken or made an attempt to file a complaint because they are a lawyer so the consumer gets scared. well, i demand that they suspend their license for knowingly Intentionally taking advantage of a consumer who they most likely thought would not take this further.
Consumer complaint received 2019-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (WA)

Hello.this is the second time XXXX, has allowed the same person, at the same address to open an account, in my name .first time debit was trying to be collect by ... .XXXX XXXX XXXX ... I filed a police report ... stating it was fraud ... .and now same address and apt ... they did it again ... and now MRSBPO.Has acquired it ... different dollar amount..XXXX XXXX XXXX wanted XXXX.and mrsbpo wants XXXX none of which I owe
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC (IL)

On XX/XX/XXXX I was given a loan by XXXX XXXX XXXX which is owned by XXXX XXXX XXXX XXXX for XXXX 
This company charges XXXX annual interest .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which XXXX XXXX  XXXX is not licensed ..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be XXXX with Illinois department of financial regulation which this XXXX XXXX not XXXX making this loan illegal and unenforceable under Illinois XXXX XXXX this date I have paid XXXX dollars on this illegal loan
Consumer complaint received 2021-02-04
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. (OH)

Equifax is reporting that I have a serious delinquency on my consumer credit report and this is incorrect. I have never paid late on any of my accounts and this false information has dragged my score down for years and resulted in me paying higher insurance premiums and paying higher interest rates. I also believe that I have been denied access to credit because Equifax is incorrectly reporting that I've paid on an account late. I have disputed this negative remark with XXXX and XXXX and they have removed the negative remark. Unfortunately the negative remark still shows in my equifax report
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc. (NJ)

Remex Inc never sent me a letter of the debt owed. 
When i called and spoke to someone they refused to give me what is on file or send that copy of the bill they sent back in XX/XX/2020. 
That is because they never sent anything to my address. 

The person on the phone said they will only send me paid letter. 
By NJ state law they are supposed to tell us what is on file.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

equifax won't give me my credit score and when i apply for credit it does not give them my score when i go to check credit so i can't get a loan or credit card due to there being not credit score or credit report it will not give me a score online when i try to check it it does not work very unhappy