davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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. (NC)

I recently received my XXXX Consumer report that shows that there is no Bankruptcy in my public records. XXXX/EQX all report they used XXXX as their method of verification for verifying this Bankruptcy that is listed on my credit report. Since I have proof that it is not there I ask that this public record be removed immediately.
Consumer complaint received 2020-12-17
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: Experian Information Solutions Inc. (CA)

This account has been previously disputed for " Fraud '' in XXXX XXXX and was REMOVED after providing : FTC Report, Notarized Letter from me and Police Report by EXPERIAN and the other bureau 's because it was a " Fraudulent Account '' open in my name. This account has since been sold by " XXXX XXXX 's '' to " XXXX XXXX, XXXX '' after it was closed due to being opened fraudulently. On, XXXX XXXX, XXXX this account has been re-reported by " Experian '' and " XXXX XXXX '' on my credit reports, with the same account number. 
_____________________________________________________________________ ACCOUNT RESULTS ON XXXX _____________________________________________________________________ Experian Results for Fraud Dispute : Deleted Date Generated : XX/XX/XXXX Report Number : XXXX Account Number W/ " XXXX  XXXX  '' : XXXX XXXX ACCOUNT # LISTED ON EXPERIAN : XXXX
Consumer complaint received 2022-07-11
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. (PA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2022-06-22
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. (KY)

I applied for a loan and derogatory information my ex-husband 's credit card is on my credit report and lowered my credit score to a point that I could not get a loan today. I made a complaint about this information being on my credit report in XXXX and the information was removed. I received a confirmation letter from Chase Bank. This information is now back on my credit report with XXXX. We closed the account in XXXX and were divorced in XXXX of XXXX.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I am a military XXXX XXXX spouse and recently applied ( XX/XX/2020 XXXX for the Amex Platinum Card due to the benefits of having the {$550.00} annual fee waived under the SCRA and MLA act. I documented on the application that this was the case and did all the relevant steps to ensure I was covered. I then called before the application was successful and reaffirmed that I was active military spouse and was informed that I must wait for the card to be sent out and then apply for the benefit to be added, the call was recorded. I have since been informed that I am not entitled to this because my husbands military service doesnt qualify for the MLA despite there being no mention of this on the American Express website or no small print under the MLA act itself, since we dont qualify for the SCRA as thats for pre military service. I am now unable to have the fee waived and cant cancel the card because it will affect my credit score which I have spent years building. This was completely false lending and I feel I was miss sold during the entire process where I was not informed that there were stipulations on the military service.
Consumer complaint received 2021-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (OH)

I have been notified by my credit reporting services/fraud service that a bank account was opened at Wells Fargo XX/XX/2021 using my name and ssn. I notified Wells Fargo of the fraud and they stated they were placing a hold on the account because of the fraud, however, today XX/XX/2021 I received a new notification from my paid fraud service that Wells Fargo has allowed another checking account be opened using my name and SSN. This make no sense because I have placed a fraud alert on my credit, my credit reports are locked & noone from Wells Fargo has reached out to me to verify my identity prior to opening these accounts which is required per the fraud alert placed on my credit which includes my personal cell phone that is required to be called prior to opening any accounts.
Consumer complaint received 2020-05-13
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)

XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated
Consumer complaint received 2022-06-22
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc. (MD)

I'm receiving spam text messages from someone impersonating a debt collection agency. 

The phone number referenced in the text message is XXXX the Phone number it is from in the message is XXXX. 

The link included in the message is : XXXX
Consumer complaint received 2022-07-11
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CO)

I am paying off my mortgage and am having difficulty with the mortgage company doing this. I sent them a cashiers check on Saturday XX/XX/XXXX. The check cleared my checking account on XX/XX/XXXX. I called the mortgage company Quicken Loans today XX/XX/20 and they claim they have not received the check and want a tracking number on the check. This should have been credited to my account by now. I want the deed to my property and this transaction completed so that I can own my condo. They are delaying the process. Can you please contact them and make them do this. They are not acting in good faith.Thank you.
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (NY)

I am excising my rights under and pursuant to 15 USC 1666i, Claims and Defenses. 
I persist that and claim that goods or services were misrepresented, defective, or not delivered. Named as XXXX XXXX Charge. 

Under Federal law ( 15 US Code 1666, 1666i, and 1640 ( e ) and in 12 Code of Federal Regulations 226.12 ( c ) and 226.13 ) I dont have to pay until Citibank resolve the issue with the merchant.

I will retain payment, and if Citibank takes legal action, I will proceed to the full extent of the law.

USDOT has clearly stated that I am in the USA and the carrier 's office is in XXXX USA, and US laws apply, when Citibank refused to comply, I moved now the Claims and Defenses law. 

Furthermore Citibank, claims to be except from complying with US law. 

A ticket was purchased and the flights were cancelled, hence the dispute, Citibank never contacted me and never gave me the opportunity to answer. As a matter of fact never contacted me by any means. I have contacted the US DOT Under current law airliners are required to full refund cancelled trips. https : //www.transportation.gov/individuals/aviation-consumer-protection/flight-delays-cancellations I was then advised as well to dispute the charge with the credit card, Citibank sided with the merchant ignoring me and ignoring US law XXXX Citibank was bailed with tax payer money years ago it acts solely against taxpayers. -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Thursday, XX/XX/2020, XXXX XXXX  XXXX Subject : XXXX Acknowledgement Thank you for contacting us concerning your air travel issue. The U.S. Department of Transportation seeks to ensure that all airline passengers are treated fairly. Complaints and comments from consumers are helpful to us in determining whether the airlines are in compliance with our rules and to track trends or spot areas of concern that warrant further action. Your complaint or inquiry will be assigned to an analyst for review and you will receive a more detailed acknowledgment from us within a few days. Thank you again for taking the time to contact us. Aviation Consumer Protection Division U.S. Department of Transportation PERSONAL INFO : Passenger - Mrs XXXX XXXX XXXX CONTACT INFO : XXXX XXXX XXXX XXXX, NY XXXX Home Phone : XXXX Daytime Phone : XXXX COMPLAINT INFO : Airline CodXXXX : XXXX Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX Description of Problem/Inquiry/Comment : The following ticket were purchased directly from XXXX, and XXXX has canceled all flights, refusing to give a full refund. XXXX XXXX XXXX XXXX Have sent emails to Customer Service and the XXXX XXXX - CEO but not a word. Calls are being disconnected and emails not being replied to. Total paid per ticket USD {$760.00} Totaling USD {$760.00} I expect a full refund and its over ten business days since they were emailed. Thanks.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (VA)

MIdland Funding ( Supervisor XXXX XXXX, XXXX ) and XXXX XXXX ( XXXX ) have pursued legal action and have been successful in garnishment of my wages. My employer has verified satisfaction of the garnishment. Ive reached out to both creditors asking if I could receive a letter of satisfaction being as though the debt was satisfied and was advised the account will not be updated until the money is actually received from the courts. Midland Funding through the online court system verified satisfaction of the debt and still wont update. Im not even sure how they are able to pursue such action as they are NOT the original creditor. Ive pleaded with both companies being as though Im in the process of purchasing a home and this is delaying the process and neither would budge, my employer was willing to furnish this information and that wasnt enough. My back is against the wall, not only will they not furnish a satisfied letter, they wont update the credit report. As the nation is facing this crisis Ive reached out to the courts to confirm receipt of wages and unfortunately unsuccessful as well. Im asking for your assistance in this matter.
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc. (NC)

In XXXX a utility bill was reported for non payment. The amount of XXXX was satisfied in XXXX of XXXX. I contacted the collection company that was reporting it to ask that it be removed from my credit since it has been paid and they stated no. Im seeking help to have this removed from all three credit reports
Consumer complaint received 2022-11-19
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (MS)

I got sick in XXXX, since then I've had XXXX XXXX XXXX major, XXXX minor and countless test procedures and Dr Visits which left me XXXX unable to work which left me broke unable to pay my bills, I had two credit cards from XXXX XXXX, when I got them the contract on both stated that if I ever got ill or XXXX that it was a policy that I would not have to pay my credit card debt if I could show proof my illness or XXXX. I called XXXX XXXX and Midland Funding explained this to them after my XXXX XXXX, they told me to send in my proof of illness I did, I sent them a 53 page medical report documenting my XXXX  test procedures and dr visits to two different addresses bc I had two credit cards w them about 6 weeks later XX/XX/XXXX to be exact I got a letter in the mail basically saying all was forgiven ( that im gon na attach and send w this complaint if I can ) checked my credit today and realized im being sued by them and the letter that states all forgiven I received is only for one of the accounts and now they are trying to sue me for the other account and not honor the contract agreement about medical hardship that account # is XXXX I called them today and I called and they were rude we got disconnected or she hung up on me one then I called back and just got elevator music w a msg saying hold times are over two hrs so I hung up start ffilling out this complaint.. You would think w all this covid 19 stuff they would be more coorperative
Consumer complaint received 2020-05-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

We previously had XXXX for our mortgage lender then our mortgage was transferred to NewRez Shellpoint Mortgaging Services on XXXX. I then contacted NewRez and was given their routing number and account number to set up bi weekly payments in the amount of {$900.00} to be taken out of my paycheck with the USPS. I have made approximately 7 payments for a total of {$6300.00} and I also sent a papercheck in the amount of {$2200.00} for an escrow payment. This company is stating they have never received a payment one nor the escrow payment I made. I have contacted this company on numerous occasions via telephone call, first class mail, certified mail and emails regarding this matter to no avail. I have since then had to reach out to an attorney which will cost us {$3000.00} to have this matter resolved. I am confused because during this process I received a letter from Shellpoint stating I needed to send any information to a different address, which I did, but on this correspondence I notice that the company name was XXXX NewRez Shellpoint Mortgaging Company. Why is XXXX part of this company after XXXX filed bankruptcy for the exact same thing happening to us now. Also, after some research this Shellpoint company is known for doing the same thing XXXX did and this Shellpoint company has a list mile long of other individuals whom they are doing the same exact thing to.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2021 I received a call from a man stating he was a Wells Fargo employee. He was calling to inform me that a suspicious wire in the amount of {$19000.00} had been initiated from my savings account and asked if it was me who had initiated the wire. I said it was absolutely not me. I have never done a wire in the 22 years that I have been with Wells Fargo and I do not authorize the wire. I never signed anything to authorize this. He said he needed to secure my account and sent me a text message with a 6 digit code that I had to verbally relay to him. That is normal for Wells Fargo. The next day I discovered that the wire had gone through to a XXXX account to a person named XXXX XXXX, there was also 2 {$500.00} XXXX transfers out of my checking account. I called the bank immediately and opened a fraud claim. I do not know who this person is. Wells Fargo initiated a wire recall only to find out that the XXXX account was closed and there were no funds to be refunded. 
I was reimbursed for the 2 {$500.00} XXXX transfers but the fraud department is saying that I did authorize the wire and they will not reimburse me the {$19000.00}. They will not tell me why they chose to reimburse me for the 2 XXXX transfers and not the {$19000.00} wire. When I asked why my account wasn't insured for this they said that it would be if it was bank error. They stated it was not their fault and I did authorize the wire. 
I have done a little detective work myself and discovered the recipients home address in XXXX Florida and the police are working on getting an IP address of where this wire was initiated from. 
I have opened a police report in Colorado where I live. I am also in the process of filing an appeal on the denial of the claim. 
I am including the letter from the bank denying the claim as well as the emails from Wells Fargo adding the recipient and the wire they processed.
Consumer complaint received 2020-05-14
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: Experian Information Solutions Inc. (MS)

I have contacted Experian and told them that this is a FRAUD account and needs to be delete from my credit report. I have not received anything from this company or give them permission to access my credit report. There are inquries that I didn't give permission to have reviewed my credit either for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Please delete this FRAUD information.
Consumer complaint received 2022-04-01
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. (AL)

Hi I am submitting this XXXX 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 XXXX has me at a score around XXXX. 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 XXXX 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 XXXX admitted they had my police report XXXX 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 severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2022-07-02
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)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason.
Consumer complaint received 2020-05-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (FL)

I never received any paperwork that gave me any information to properly dispute or accept this said account within 30 days. This account is also reporting very inaccurately on all three of my credit reports. Each Bureau are listing something different. I sent a debt validation on XX/XX/2020 to NCB and haven't received any paperwork to prove that this account is accurate and belongs to me. I also submitted a dispute to XXXX on XX/XX/2020 to see if they could verify and maybe help me resolve this. On XX/XX/2020, XXXX results were " updated ' and the report number is XXXX. How are you able to validate with the credit company but not with the accused account holder?? This account is not only hindering me from purchasing a home, but it is also hindering me from other opportunities and is a violation of my rights. As I was browsing through their website to find out a little more about the company, I noticed the only license listed on their page is from South Carolina  ONLY.