davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

I processed approximately 15 Stimulus transactions for people XXXX and 1 girl who was Homeless. 
I deposited on my bank, got cash and gave it to the person whose name was on check. ( Deposited in their XXXX  account or gave to a famiy member ). 
After 2 checks got cashed the bank told me to have my power of attorney and a notary signature to cash the rest of them ( I did ). 
The one girl who was Homeless had no I.D . therefore we could not get a notary but I had Power of Attorney. 
I signed it as a notary and we did not have a real notary due to no ID. 
I was wrong to do this but I did it for her. Someone I didn't even know. 
I legally helped these families but I did make a mistake by forging the check as a notary. 
The bank closed my account and put it on my report and NO bank will let me open an account! 
I need a bank account and I would like the bank to remove the negative comments to these banks. 
This was over a year ago and I know I was wrong but did it for a good reason. 
Please help me clear this up.
Consumer complaint received 2022-09-01
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. (UT)

I reported fraud to equifax and they didnt remove the items even with proof that it is fraud, XXXX XXXX and XXXX XXXX  is due to ID theft, I submitted police report, id theft report, they didnt care and didnt remove it, I also notice inquires on my credit I havent pulled my credit for 1 year they wont remove it due to fraud. I wnat those inquires and XXXX XXXX and XXXX XXXX removed and blocked
Consumer complaint received 2022-09-01
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. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHTS. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 602 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

XX/XX/2016, I filed an XXXX XXXX bankruptcy # XXXX, # XXXX, with US Bankruptcy court XXXX XXXX XXXX, Texas. I was represented by a Law Firm. I contacted my attorney and requested my attorney to stop or dismiss XX/XX/2016. I was never informed that this XXXX XXXX bankruptcy would be placed negatively on my credit report. I was never informed or counseled by my attorney that this XXXX XXXX bankruptcy would be placed negatively on my credit report.
Consumer complaint received 2022-09-01
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. (AZ)

This was closed because it was not specific. I will make it specific. XXXX XXXX took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. ACCT XXXX I will be pursuing this- trust me.
Consumer complaint received 2022-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2022 I wrote a check and mailed it XXXX XXXX, the apartment complex I moved from. The following day the check was cashed via mobile deposit. A few days later, XXXX, a fraud XXXX at XXXX & XXXX XXXX called and stated that she felt my check was fraudulently cashed and I should contact my bank, Wells Fargo, to start a claim. She was going to investigate matters on her end also. I immediately called them to start the process. On XX/XX/2022 I received a letter via mail stating they would investigate the matter, reach out to me with any additional information needed, and this process would take 90 to 120 days. That was the last I heard from them. After 90 days had passed and I called and was told I needed to wait the 120 days before I could get an answer. After 120 days I called again, as I hadn't heard anything from them, and was again told I needed to wait. I then began calling weekly for updates, each time being told that the 90 to 120 days is a general time frame and they were waiting for XXXX & XXXX to return the funds. I went into a local branch of Wells Fargo and had a employee help me look into matters and started a complaint with the bank. This also led to no resolution or my money being returned. I did receive a call from a customer service XXXX. She suggested I contact XXXX & XXXX and discuss with them why they haven't returned my money they fraudulently gave to another person. I contacted XXXX numerous times and she failed to return my calls concerning my money. At this point I went into a local branch of XXXX & XXXX to speak to the branch XXXX for additional help. He also tried to reach out to XXXX with no answer from her, again. Both bankers I spoke with told me it shouldn't take more than 10 days to resolve a matter like this. My concern now is that there may be a time limit on how long it takes them to return my money and they will no longer be responsible to get it back to me. I've had to pay this money twice. {$1400.00} dollars may not be a lot to the banks, but it is to me. 
I'm hoping you can help me resolve this or point me in the right direction. I'm only getting the run-around from both of these banks. 
I look forward to hearing from you. Thank you, in advance, for your help.
Consumer complaint received 2022-09-01
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (AL)

XXXX and XXXX agreed to the settled amount in exchange after paid as agreed would delete from credit report as pay for delete. Reporting inaccurate information and did not hold their agreement to delete. XXXX credit can not report accuracy when they can not provide this account is mines. I have asked time and time again provide documentation that I open this account. If you can not provide documentation of the info provide above how can you report info from a creditor on a consumer this is not fair reporting.
Consumer complaint received 2022-09-01
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XXXX when I made this loan they never told me at school ( XXXX XXXX XXXX XXXX XXXX XXXX ) that it was a private loan, honestly never, I accepted the loan thinking it was a student loan from the federal government, at that time I did not know XXXX and everything was handled by the representative in the financial service area, when I realized the situation it was too late, I was already involved in debt, I always regret not knowing XXXX and that the financial representative had deceived me. When I complained to the institution they said it was a student loan but private, at that time I was still confused. Years have passed and I have been very responsible with the loan, I have had my payments up to date, at some point I had to defer payments and I also had to participate in programs to reduce the interest on the loan for several months to be able to pay it, but I feel that this loan is not going anywhere, I feel that the financial institution ( Navient ) has handled this loan in an incongruous way, starting with the representative in the financial services area at the school who did the entire process in a deceitful way so that I would enter that XXXX XXXX XXXX XXXX XXXX, that was the first year that the school was offering the program in XXXX and they were doing a lot of things wrong in order to get the money from the students or the interested people.
Consumer complaint received 2022-09-01
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. (DC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by15 USC 1681. And they violated my right numerous of times. I demand the accounts listed below be remove because According to 15 USC 168 : I Have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (NC)

My account ( # XXXX ) with Specialized Loan Servicing ( SLS ) has been positive with no late payments for well over two years since early XXXX. In XX/XX/XXXX, I obtained a written payoff quote of {$2300.00}. 

On XX/XX/XXXX, I made two payments - one electronic payment via their website in the amount of {$1700.00} and I mailed a certified cashier 's check to their office in the amount of {$600.00}. The electronic payment posted to my account within 24 hours and the check payment posted XX/XX/XXXX. 

On or about XX/XX/XXXX, SLS reported my account as delinquent for the month of XX/XX/XXXX. This inaccurate reporting has resulted in negative marks on my credit files with the three major credit reporting bureaus and caused my XXXX credit score to drop over 50 points. 

PLEASE HELP ME! I am due to close on a new home on XX/XX/XXXX and this inaccurate reporting will likely cause me to be denied approval of my new home and mortgage. Their representatives have been quite difficult to work with so I am seeking your intervention and guidance. Please help!
Consumer complaint received 2022-09-01
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. (NJ)

Equifax responded to CFPB # XXXX stating they verified the accounts. I am now requesting specific description of reinvestigation procedures used to determine the accuracy and completeness of the alleged verified accounts. Per section 611 ( a ) ( 7 ) within 15 days of this notice to provide those descriptions of methods and procedures.
Consumer complaint received 2022-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Marlette Funding, LLC (MS)

Today is XXXX XXXX and I checked my email and got an alert that a lender reported a new account. I checked through XXXX XXXX  and XXXX XXXX  and I did not open this latest account with bestegg. I think someone has used my identity to do this. My XXXX account was highjacked several weeks back and maybe that has something to do with it. I wanted to report this as soon as possible.
Consumer complaint received 2022-11-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MARINER FINANCE, LLC (NC)

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. 
Mariner Finance , LLC has XXXX different accounts reporting to the credit bureau with all different information that's hurting my credit report. 
account numbers- XXXX XXXX XXXX, XXXX XXXX XXXX The issues that I am having is that Mariner Finance is listed XXXX XXXX with different information. The amounts posted are not the same XXXX account states a balance of {$6800.00} last activity is different and payment history is wrong. The second account states a {$0.00} balance with Highest balance {$9600.00} stated that the account was closed due to Refinance. The last account states {$0.00} balance with Highest {$9800.00} which states the account was closed because of refinance. Mariner Finance only reported the XXXX accounts to XXXX and XXXX. I have requested that I the consumer be sent verification of this debt and haven't received anything. As a consumer my rights have been violated by this company buy putting fails information on my credit report. 

15 USC 1681 Section 602 ( A ) States I have the right to privacy 15 USC 1681 Section 604 ( a ) States a consumer reporting reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681n ( a ) ( 1 ) ( a ) states any person willfully fails to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum. Also, any actual damages sustained by the consumer as a result of the failure or damages of not than {$100.00} and not more than {$1000.00}.

15 USC 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 2022-09-01
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)

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2019-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MA)

I started making monthly student loan payments XX/XX/XXXX. My loans were consolidated and transferred to Fedloan on XX/XX/XXXX. 
I have been employed full time and have made monthly payments every month since ( XX/XX/XXXX ). My correct payment count towards PSLF should be 77 as of today ( XX/XX/XXXX ). 
According to the Fedloan website I have only made 43 qualifying payments. 

I first contacted Fedloan on XX/XX/XXXX in an attempt to rectify this discrepancy. I have subsequently contacted them on multiple occasions without a response or explanation.
Consumer complaint received 2022-11-06
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: JPMORGAN CHASE & CO. (CA)

JPMCB AUTO FINANCE has violated my rights XXXX XXXX XXXXXXXX XXXX XXXXXXXX States I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXXXXXX XXXX  XXXX - Definitions ; rules of construction - Exclusions.-Except as provided in XXXX the term " consumer report '' does not include + any report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under an - open end consumer credit plan as late for purpose. 
XXXX
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

This complaint is to establish a contemporaneous record and to establish that still i am locked out of my account and unable to comply with the 90 day dispute federal law in which to file timely disputes. 

I have not received a copy of my statements by mail. 

This complaint shall serve as my demand to file disputed charges for all of the transactions that happened from XXXX, 2022 to present. 

This confirms that I wish to file a dispute for all of the transactions on my Credit Karma Money XXXX Account XXXX. I which also that this time evidence would be provided if the dispute is or is not in error.
Consumer complaint received 2022-11-06
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)

Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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 USC 1681. Account Names : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

EdFinancial is delaying refunds for payments made during the CARES Act suspension. I was told refund would take 150+ business days or 7+ months to process. Representative told me that I may not qualify for forgiveness as the refund would not be processed timely and it would negatively impact credit score. EdFinancial is providing misleading information and tried to discourage me from requesting refund for payments.
Consumer complaint received 2022-09-01
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. (IL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2022-01-04
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.