davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (FL)

Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} # XXXX XXXX XXXX XXXX / Account Number Unknown / Date Assigned XX/XX/XXXX / Balance Owed {$250.00} Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. The accounts shown above are duplicates collection accounts. Multiple collection accounts for one assumed debt is an illegal reporting practice.

2. The accounts shown above have different balance owed amounts, which clearly proves inaccuracies in XXXX XXXX XXXX illegal reporting practices. 
XXXX. The accounts reported above are not my debit, and I have no knowledge of them. 
XXXX. The address listed on the account is a XXXX store in XXXX XXXX, which is not a legal home address. This inaccuracy once again proves XXXX, XXXX illegal reporting practices. 
According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.

Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (HI)

Navient is trying to break their terms of the IBR program by mis-reporting my payments and 'fixing ' the estimated payoff date to some time far further in the future than the Federal Guidelines allow under the IBR program. I believe they " fixed ' the date by putting me in forbearance when I actually qualified for {$0.00} payment structure under the IBR program. This may have illegally extended my payoff date. Their 'no action ' correspondence has been attached.

Navient, my loan servicer, illegally extended the " forgiveness date estimate '' for three of my loans ending in XXXX, XXXX, and XXXX to XXXX. Under the IBR program, they are estimated to end roughly 25 years after origination. That estimated date is around XXXX based on my loan origination. 

All of my other loans, that were originated within the same timeframe are being reported much differently. Loans ending in XXXX, XXXX, XXXX, XXXX, and so on. These three are being widely mis-reported, while the other loans are showing to estimate loan forgiveness at a later date also, XXXX and beyond. 

When Navient customer service emailed me back after my inquiry, they refused to make the proper adjustments whereby potentially collecting beyond the Federal forgiveness date based on IBR guidelines.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MI)

An online checking account was opened with Wells Fargo with my social security number. That Wells Fargo account was then linked to my legitimate XXXX savings account and 3 transactions occurred to electronically transfer money from my savings account and moved to the illegitimate checking account with Wells Fargo. 1. {$1900.00} 2. {$2300.00} 3. {$340.00} I called XXXX XXXX on XX/XX/22 to explain and confirmed the account was created online with my social security number, name and address however the phone and email address did not belong to me. Wells Fargo contirmed the transactions were attempted however canceled and never deposited into the Wells Fargo account. Wells Fargo closed the account and waiting for confirmation documents in the mail. 

I followed up with XXXX where the transactions were flagged as fradulent however the money was taken out of the savings acccount. As of XXXX the fraud department of XXXX XXXX  was in the process of reimbursing the {$4600.00} back to my savings account.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

TRANSWORLD SYSTEM INC was notified as a debt collector in writing that the consumer refuses to pay the debt and that the consumer wishes the debt collector to cease further communication with the consumer. TRANSWORLD SYSTEM INC, shall not communicate further with the consumer with respect to such debt. I respectfully requested that their offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
They needed to show proper validation of this alleged debt and if this was not provided within XXXX calendar days of receiving the notice, everything mentioned stands as truth, and the alleged debt is said to be invalid. 
FDCPA CODE Violations Committed By the Following Company TRANSWORLD SYSTEM INC 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

There have been two instances of predatory practices by Citi / Home Depot on my account. I had two promotional purchases on this card in XXXX. The first, carried a promotional balance of {$1100.00}, with a full payment on XX/XX/2022. I set the payment to be debited by XXXX on that date, which it was. The following statement indicated the payment was missed and back interest charged.. In follow up although XXXX made the debit on XX/XX/2022, they did not post the entry until 3 days later. I called, and Citi corrected the matter, crediting my account. 

The second instance was again a promotional purchase with an amount of {$140000.00} with a due date of XX/XX/2022. In XXXX, Citi flipped part of the 12 month " no interest, minimum payment due '' to 6 months term and charged me {$160.00} in back interest. I called and a customer service rep said it was Citi 's mistake, credited the interest back to my account, and stated they would move the time frame back to 12 months. On the next statement I noted Citi charged {$11.00} in interest on the now " revolving balance ''. I called again and a customer service rep told me that Citi had " declined '' the XXXX 's request. Further as I had not objected to the time flip from 12 months to 6 months within 60 days, I had by default " agreed ''! This is absolutely predatory practice, and there is an absolute problem with whatever department heads up Citi 's private label cardio cards which is EXACTLY what the customer service rep told me ... ... .Now they tell me the issue has been forwarded to some " special unit '' and will take 2-3 weeks for them to consider my case ... .....
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Im in the process of buying a house and my credit report for equifax is blank now. I have a credit report service where I can see my report at any time and everything from all three bureaus are visible up until XX/XX/22, at that point equifax goes blank. Ive tried calling them four times already. Theyre telling me what I already know, I have no freezes or anything of that nature on the account. On XX/XX/22 is when I became aware of the problem when all my wife and I needed to get our house was for the mortgage company to pull up my credit, its only happening with me. My wifes credit came up from all three. Yesterday on XX/XX/22 I managed to contact equifax from a different number and the lady tried her best to help me this time, unlike the last three who sounded like I woke them up. I sent my license and answer a bunch of questions about bills and amounts that I have to prove it was me including a picture of my face along with my license. Im getting desperate because I dont want us to lose our house, I know the mortgage company wont wait forever or however long since the houses are going fast. At one point on equifax I got an error code nh and that lasted for about 24 hours and now I can log back into equifax but all of my information is still blank with straight lines and/or XXXX in everything category. This is as best I can describe it, thank you for any and all I can you all can provide for my family
Consumer complaint received 2019-03-31
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. (DE)

After a divorce in 2016, My ex wife has continued to obtain new credit in my name. I have disputed many accounts, address 's and alias 's that appear on all 3 credit bureaus only to have them respond with " we need proof ''. There not my address 's not names I have ever gone by and not my debt! Despite going to the police to have it stopped and filing complaints with local law nothing changes or helps I have a score so low Im really just stuck. I can't even buy a car without 40 % interest. This is insane!
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc. (NY)

Someone used a skimmer to get my card information on XX/XX/XXXX at XXXX someone withdrew {$1400.00} dollars from my payroll card I mi went to the police and filled a report the went to the location where the money was taken out from and they have the video surveillance of the person who committed this transaction I call the payroll company who provide the card and they said that they will send me a form for me to sign when the get it back they will start a investigation they said it take 45 to 90 days but on XX/XX/2022 they close my case without them receiving my sign documents now they will not reimburse me the money that was stolen Im need help in this matter I have my police report I have my bank statements and I also have the picture the detectives send me of the person who committed this fraud my contact is XXXX or email XXXX I was told I can file a report with you for help in this matter feel free to contact me if you need all the documents I have included a picture of the person involved in this
Consumer complaint received 2022-04-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 89 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This complaint is the follow-up of the previous complaints ID XXXX and XXXX. For this particular complaint, I am complaining about the employee " XXXX '' of Capital One. She is a thief. She stole my money for Capital One. In my previous complaints to Capital One, the XXXX XXXX XXXX  and to the Consumer Financial Protection Bureau, I repeatedly said that Capital One made a mistake that XXXX did not credit {$7.00} back to my account. I checked it over and over again a few times. XXXX never credited credit anything back to my account. Think about it. If XXXX credited {$7.00} back to my account, why did they not credit the whole thing of {$54.00}? This employee " XXXX  '' of Capital One is a thief. I repeatedly request Capital One to double check but this employee " XXXX  '' never double checked and kept sending the same information back.
Consumer complaint received 2024-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I opened an account with Venmo to receive money our group had received as a gift with the intent of distributing it evenly between us. Suddenly I was prompted and asked for government ID and the last four digits of my social security number which I provided. After the information was provided I received an email saying my account was frozen for reasons of suspicious activity and after contacting customer service they said I would have to wait upwards of three weeks for a response, which is entirely unacceptable. Especially since I have already provided them with all the information needed and then some.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I originally opened a credit card account with First National Bank of Omaha more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from First National Bank of Omaha, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,
Consumer complaint received 2024-01-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (AZ)

I scheduled an electronic bill payment out of my checking account to be paid on XX/XX/XXXX. The amount, {$910.00}, was deducted on XX/XX/XXXX. I was contacted by the vendor on XX/XX/XXXX that the payment was never received. I contacted Wells Fargo on XX/XX/XXXX to stop payment so that I could reissue the check. Wells Fargo indicated that there was already a stop payment on that payment that was applied by the bank. They will not tell me when this occurred, why it occurred nor by whom. They also never communicated this to me and they have not put the money back into my checking account. I spent 70 minutes on the phone with them and have gotten no where. 

I received an email documenting that they have opened a claim and will solicit more information from me and the vendor. This is quite perplexing since the bank is the entity that stopped the payment and they are the only one with information! Additionally, it ties up the credit to my account for another 10 days.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc. (IN)

I have been the source of an almost constant barrage of marketing, payment reminder and other emails from XXXX XXXX XXXX. I do not own a self card, although they keep reminding me that my payment is due. 

Repeated tickets to their service center with no results and at least fifteen unsubscribe attempts have gone ignored.

I just want them to stop contacting me.
Consumer complaint received 2024-11-01
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. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/year>
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, these unauthorized accounts have appeared on my credit report, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ).

Please see the details of the fraudulent accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX