davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-01-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Complete Credit Solutions, Inc. (VA)

XX/XX/XXXX and XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX took payments from my checking account {$450.00} each of these months. Once I found out that a fraudulent furniture account was established in IL, I contacted the company and was told to file a police report and send them a copy. The police report was filed XX/XX/XXXX with the XXXX XXXXXXXX XXXX XXXXXXXX. I emailed a copy of the report to the creditor. I found out in XX/XX/XXXX that XXXX XXXX XXXX has been selling this account to collection agencies as a valid debt and I have disputed these accounts. Complete Credit Solutions {$9000.00} from XXXX XXXX XXXX. The other disputed account is XXXX XXXX XXXX XXXX which was opened XX/XX/XXXX and is listed as a lease. 

On XX/XX/XXXX, I received an email from XXXX XXXX, Complete Credit Solutions , IncXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, PH XXXX FX XXXX. I was sent a fraud packet and advised that I would also need to report this incident to you.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (CA)

It seems there are some things that missed getting reported on my history that reflected in a positive manner from a company that did a Consumer Report. I made over 50 on-time payments to a leasing company XXXX ( Attached ) who failed to report that factor however they attempted twice to report owed balances that were their own miscalculations. 

I Attached information on the payment history and Government Issued ID for proof of validation.
Consumer complaint received 2023-01-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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 has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
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: Experian Information Solutions Inc. (GA)

I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay bill and the young man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call Experian myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you XXXX XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I could not withdraw cash I needed from.my hecking account. I was times stopped at the door of the Wells Fargo bank branch to go inside to get cash as my daily cash withdraw was limited to {$500.00}. 
Money, {$220.00} approximately, was taken from my checking accounts at Wells Fargo, and I had to hire a lawyer to deal with stubborn Wells Fargo to get my money back. The overdraft fee was just unbearable, I didn't know what to do. 
So many issues do many times.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (TX)

I tried to open an XXXX  account with Wells Fargo in XXXX of 2020 and after multiple attempts and being denied with no real reason we finally got approved but we're not allowed to open the account via our local branch and they told us we were flagged and never gave us a reason. it had nothing to do with the XXXX And our compliance ( XXXX XXXX XXXX company, XXXX XXXX. we have never got to open and we feel that they didn't not allow us to reopen due to them being able to force the local area to open accounts to cash checks which they are know to have bad practices with making accounts and up holding good customer relations relating to banking fees.
Consumer complaint received 2023-01-19
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: Retail Merchants Associates (LA)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2023-01-19
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. (SC)

I called in to Equifax after pulling my credit report. The company Equifax itself is pulling my credit report just about every single day. I have 50 inquiries from Equifax without my knowledge or consent.
Consumer complaint received 2020-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (OH)

XXXX XXXX Added two derogatory mark on my credit report Per XX/XX/XXXX. Upon, further research, these accounts were transferred/sold and I am no longer responsible for the account. The Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accussed debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Consumer complaint received 2023-01-19
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. (LA)

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter Business Service, Inc. (MA)

I paid a medical bill for a medical visit on XX/XX/XXXX but still received a notice from Carter Business Services. I received the letter on XX/XX/XXXX, and called them immediately to let them know about the situation. 

1. Instead of providing me with the validity of the debt, they asked me to prove that I paid the bill in full. However, I checked my patient account and it clearly does not have a complete record.

2. The debt collector used the wrong address when they tried to collect the debt.

3. I asked them if they will withdraw the notice if this is a mistake and they refused to answer or explain further.
Consumer complaint received 2023-01-19
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)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2023-01-19
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: BARCLAYS BANK DELAWARE (MS)

On XX/XX/2022 someone went online with a computer and applied for a credit card in my name ( fraud ) at XXXX XXXX XXXX  in Delaware. I got a notification from XXXX XXXX, which i am a member of and i then called the bank. They advised what had happened and i informed them that this was in fact not me ( fraudalent ) and they confirmed the above statement of an attempt of fraud. So they deleted the application process and deleted my information, out of their system. 

In the approval process, a XXXX XXXX was pulled against XXXX Credit Bureau. 

XXXX won't remove it from my XXXX XXXX unless they're told to by someone else other than me to remove it from the credit report. 

XXXX won't send XXXX anything as well as my information is no longer in their system to even attempt to send XXXX a notification to delete the inquiry as well. 

My attempt is to get that off my credit report as it remains for 2 years and without my approval to even be there.
Consumer complaint received 2023-01-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Receivable Management Services LLC (NY)

The company calls and states where they are calling from, they asked my name and i conformed, they then proceeded to ask if i reside in ***** address, which i did not so I said no, I then inquired on behalf of what company they were working for like whose debt are they trying to collect and the refused to divulge this information, just stood quiet, I continued to ask, " who is this debt on behave of? what company is it coming form etc etc and then i got hung up on. Upon calling them back i get a gentle man, i believe his name was XXXX XXXX and he was just as obnoxious and only wanted to get info from me, asking me my name, phone number, dob, and address as well, I provided everything but a current address and he too refused to explain this debt and hung up. This is a trash company obviously and they need to work on their customer service they assume that because they are a debt collector they can treat you how ever and not true.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens Bank XXXX their checking account bonus on XX/XX/XXXX for {$300.00} with qualifying deposits. Then it was {$500.00} to open an account and maintain it for 90 days. I opened my checking account with more qualifying deposits and my payroll was also deposited every 2 weeks. The account is active and is full qualified to receive the bonus within 90 days of account opening. I called the bank nand spoke to the representative, they told me i am qualified to get the bonus and will soon deposit it within a week. But they never did. I called again, i spoke to XXXX on XX/XX/XXXX. She told me i will hear back from them within 48 hours but never. So i have to make a complain.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc. (OR)

On or about XX/XX/2023, I discovered numerous unauthorized transactions totalling approximately {$3800.00} charged to my Branchapp card ; which is apparently administered by XXXX XXXX. I immediately called Branch Customer Support to start the dispute process. As of XX/XX/2023, I have not received provisional credit of the the disputed amount, nor have I received any correspondence from Branch, regarding receipt, processing or status of the dispute. Multiple calls to branch customer service have resulted in any up dates. Multiple customer service representatives have stated that once a dispute is received, there is nothing than they can do. Each and every representative has stated that there is no way to contact the dispute team directly. Today, XX/XX/2023, I was finally able to contact a different department who informed me that the dispute wasn't initiated until XX/XX/2023, and they have 10 days to respond from that date. This is clearly redating of when the dispute was initiated, and a flagrant disregard of Regulation E.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

During XXXX my mortgage servicer PHH Mortgage Services agreed to a mortgage forbearance plan. In XXXX, XXXX I informed them that I would like to start paying my mortgage again. 
Instead of pushing off my payments to the end of the loan as I was promised that they would, they told me that I will need to apply for a mortgage modifications. I had no problem with this. 
I made all the trial payments on time, and in XXXX, XXXX they sent me a loan modification agreement to sign. Both myself and my wife signed it, had our signatures notarized, and sent it back to them. 
In the beginning of XXXX of this year, I received a letter back from them that there was a problem with the notarization on the agreement that we signed, and that they wanted us to sign it again and have our signatures notarized. 
While we did not understand what your problem was, we obliged with their request, and in order to make sure that they would have no problem with the notarization, we went to an Attorney to have it notarized. 
The second modification was due on XX/XX/XXXX We sent it back on XX/XX/XXXX, and per my discussion with their agent XXXX ( ID # XXXX ) it was received and scanned into thier system in a timely manner. 
On XX/XX/XXXX PHH Mortgage Services sent me a letter informing me that they denied my request for a Mortgage modification for the following reason. 
" You failed to return the final modification agreement within the required timeframe. '' I wrote them an email that this is not correct, and they responded as follows : " Please be advised the notary is incomplete as the notary public incorrectly acknowledged borrower name on the notary page as " XXXX XXXX ''. The notary public should acknowledge borrower name correctly as XXXX XXXX exactly as per the name printed on the agreement. The loan is eligible for denial due to the agreement not being received on time ; hence, the loan modification is denied. '' This is something that is so easy to fix, and furthermore, this still doesn't explain their problem with the first modification agreement. 
I believe that they have been acting in a bad faith and an unfair manner this entire time. And I would appreciate your assistance with this matter.
Consumer complaint received 2023-01-19
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: R & B Corporation of Virginia (CA)

Ive contacted the company numerous times to report this account is fraudulent/identify theft. This account was opened when I was a minor by someone else. I requested them to remove this account from my credit file as its not mines and I was a minor when this was fraudulently opened in my name.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo advertises early paycheck deposits ; however, they are not allowing customers to use the money when paychecks or Social Security checks are deposited early by the institutions sending the money. If the money is used prior to the actual pay date, Wells Fargo sends customers messages stating the account is overdrawn and money needs to be transferred from other accounts to cover the overdraft. This has happened to me several times. My paycheck is from XXXX and my Social Security check is from the SS Administration. Wells Fargo knows these funds are good yet they refuse to make deposits definite until later date.