davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

I applied for a Federal job. During XXXX back ground check they came across some medical debt. XXXX gave me originally 30 days to resolve. That was on XXXX XXXX, 2015. Today I called BERLIN-WHEELER INC-MO at XXXX on a break. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. By the way I found out today that they had changed their Company nameto WAKEFIELD ASSOCIATES. I was showing the original name for six times on my credit that XXXX is asking me explain. The was for {$490.00}. When I called I talked with XXXX, He had several of my name in his database. He even tried to check under my security # and nothing. I asked for something stated in a letter that this debt was not mine. He outright refused me and said his company did not send out any paper. He stated that he could not help me at all. That because he did not have me in his database there was nothing that he could do. Their phone number that I called was XXXX XXXX XXXX XXXX. So that is why I came to you for help. I need to get this off my record so I can get a decent paying job. Thank you.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MN)

My problem is with Equifax. In XXXX I bought a new car, the dealer apparently check with several creditor to get me the lowest interest rate for the new car. All of this was done XX/XX/XXXX. I am trying to get a mortgage, My mother died and her house has been sold, closing on XXXX XXXX, XXXX. I am on XXXX and have no where to go. All of the inquiries the dealership for rate shopping are on Equifax as hard copy inquiries. They have a total of XXXX hard copy inquiries for this XXXX purchase of a car, done by the dealership XXXX XXXX in XXXX XXXX, MN in XXXX, XXXX. 
They are XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX Bank indirect XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX This has cause a negative effect on my credit score # 's under excessive inquiries on my credit report. I have tried to contact them 3 times, they are never available to help me. Is n't this in violation of the fair credit act? They themselves cause damage to people 's report. Now credit agencies have the power to totally control your life, whether or not you will have a roof over your head, or will be able to drive or walk. Yet when they are reckless on their reporting of your credit, they are n't held responsible for their mistakes, and they charge you to get a copy of your credit record they messed up. I need this information removed, since one can, look for car financing and mortgage financing to get the best rates without it seriously damaging one 's credit record. This is according to the fair credit act.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX closed my credit card at my request on XXXX, 2014. Experian Credit Bureau refuses to update the information. I closed the account at my request and the other XXXX credit bureaus reflect this. I called XXXX credit and they state they have updated my information with Experian they refuse to update it. I will contact XXXX again. 
I want my report to show that my account has been closed since XXXX 2014 as the other bureaus. Thanks
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was sick and almost died on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

I am writing as a protected consumer under federal law to report serious violations by the XXXX major credit reporting agencies : XXXX, XXXX, and Experian. Despite providing proof of my address and identification, these agencies have unlawfully reported unauthorized accounts on my consumer report without my written consent, in violation of 15 USC 1681b. This unauthorized reporting amounts to identity theft and libel per se, constituting defamation of character. Additionally, these agencies have engaged in aggravated identity theft by contacting third parties with my private information, violating 18 USC 1028A and 15 USC 1681A ( 3 ). 

Furthermore, they have failed to meet the requirement for maximum accuracy in reporting, violating 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). My previous disputes and complaints have been ignored or inadequately addressed, demonstrating noncompliance with FCRA obligations. I have submitted proof of certified mail receipt.I demand the immediate deletion of the inaccurate accounts and a free copy of my updated credit report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (UT)

There are XXXX separate Bankruptcies on my credit reports which were added by unauthorized sources. XXXX Bankruptcies from XXXX show as dismissed & XXXX Bankruptcy form XXXX shows as XXXX. These Bankruptcy histories must be verified by the state of Utah or by all the original creditors included in them ; as stated in the fair credit reporting act. I have called the state of Utah and they have informed me that they do not report bankruptcy information to the credit bureaus. 
Therefore I have requested that these Bankruptcies shown on my credit report must be verified by all the original creditors included in the bankruptcies. If this information can not be verified by the original creditors then this information is incorrect and it needs to be removed from my credit reports right away.
Consumer complaint received 2015-07-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I am receiving repeated calls from an entity on my caller ID displayed as Portfolio Recovery. No message is left. Each call comes from a different number, so call blocking is not effective. I have received no written communication from them. I have no outstanding debts or collection items whatsoever. Portfolio Recovery has many unfavorable complaints and comments on numerous Internet sites regarding their collection tactics, including complaints of attempting to collect debts from people who do not owe money. I am at a loss as to how to stop their calls.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY (TN)

I have a gold amex that was issued with no annual fee. After the first year, I was billed an annual fee. I contacted amex and the switched cards but never refunded the annual fee ( after promising to do so ) and added a late fee. After 5 phone calls, I was advised a rep accidentally switched me to a gold XXXX employees card and they were not able to verify employment so the fee had not been refunded. I advised the rep I am not a XXXX employee and have never been. I am still waiting for the annual fee and late fee to be waived.
Consumer complaint received 2016-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AK)

In XXXX I had a Tax bill and the IRS put a lien on my account in XXXX. In XXXX I worked with the IRS to withdrawl the Lien from my report and records which they did. XXXX and XXXX removed the Judgement right away but now after 2 or 3 disputes with Equifax they refuse to remove it regardless if I show the paperwork from IRS and Recorders office.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Hello, my name is XXXX XXXX XXXX ( My father 's name is XXXX XXXX XXXX ) my fathers ' social security number and mine different only by the last digit, due to the fact that we arrived in the U.S. Together In XXXX and were issued social security numbers back to back. So, for the last XXXX+ years his credit cards, houses and autos are showing as mine as well as of right now my credit report is showing : XXXX credit cards, XXXX mortgages, and XXXX auto loans, out of those the only thing that is mine is XXXX auto loan from XXXX XXXX FOR {$9300.00}. I 've tried to solve this problem contacting creditors on my own and also through a lawyer which was expensive, and again he is up to his credit mess, and We are in the market to purchase a house but due to this mess we are not able to. My family and myself would appreciate your help at this point. Not sure what I can do as he will not stop opening credit cards to transfer balances, etc. I do not have a single credit card, because I do n't want to complicate the situation further. Please help! Please see all attachments below, and if you have further questions, please do not hesitate to call. 
Thank you so much, XXXX XXXX
Consumer complaint received 2015-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been receiving numerous calls from Midland Credit, they are looking for someone else, not me for over a month. sometimes it is automated and they just ring the phone, I called them back XXXX times and asked them to take off my number, calls keep coming. Today I spoke to a person that said he would remove it from the automated calls and now the manual calls have begun.
Consumer complaint received 2015-03-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I wanted to refinance my loan with XXXX and also to modify my loan with them. As soon as they saw that we wanted to do that they sold the loan to bay view loan services. As soon as the loan was sold we found ourselves with people that came to do appraisals of the house without calling or making appointments. Then we had to pay XXXX appx in late fees that the company could not provide proof of. Then they opened an escrow account in our name without asking permission even though all our taxes and insurances are paid through XX/XX/XXXX and late XX/XX/XXXX. I attempted to call them XXXX times .i left messages only got voice mails. Then when I finally got a hold of a person when I told him that if the issue of the escrow account does not get closed I will inform CFBP he put me on hold and never answered the phone anymore. After on hold for over XXXX. Minutes I had to hang up the phone. 
Last year we subdivided the property. XXXX mortgage signed off on the subdivision. Now I have a mortgage covering XXXX properties which the bank does not recognize that are XXXX properties even if the county has XXXX different apn numbers. This new lender send an appraiser to do an appraisal on the old property ... ... which he did it incorrectly for the bank ... so he provided the bank with false information ... ....
Consumer complaint received 2015-10-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ALLY FINANCIAL INC. (MI)

I am not the person in debt, but my sister is. I received a call today from XXXX, asking for my sister by her full name. When I asked who they were, they said " I 'm sorry I can not disclose that information. '' When I asked " Why do you need to talk to my sister? '' they said " It is a private matter. Can you please pass a message? '' And when I asked how they got my information they said " We got it with some software. We ca n't disclose how. Do you know her? Can you pass a message? '' I then told them that I am a third party and they should not be speaking to me and then hung up the phone. They have now spoken to my sister and the company insisted that it is OK to call me, even though my name is not on the loan.
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (SD)

On XXXX XXXX, I went to XXXX to view free credit reports I am entitled to received XXXX time ( per CRA ) per year. I successfully viewed my XXXX and Experian reports. I also selected the purchase option to get my credit score from both of these CRA 's. My Transunion experience was fine : simple, transparent and provided me with what I wanted/expected. I paid the one-time fee and received my score. 

My Experian experience was not fine. Although I have worked in the XXXX for over 20 years, I did not notice Experian 's " fine print '' that by getting my score for {$4.00}, I was also enrolling in a program that was free for the first month and then I would be charged {$19.00} per month after that. Today, I realized I had a {$19.00} charge on my credit card ( posted XXXX ) for Experian 's monthly {$19.00} fee for whatever " service '' I apparently enrolled in. 

In my line of work, I follow the CFPB closely. I know that credit reporting has been a big area of focus and produces a high number of consumer complaints ( some fair and some unfair I 'm sure ). 

When I called Experian to ask about the {$19.00} charge on my credit card, and to bring forward my concerns about the " automatic '' enrollment in some " service, '' the representative was professional and helpful. He immediately canceled my membership but would not refund the {$19.00} fee that had already been charged to my credit card - essentially saying it was a " legitimate charge. '' I 'll admit, I may have missed reading some disclaimer or fine print when I thought I was just getting my Experian score for a one-time fee of {$4.00} on XXXX. 

However, if I 've made this mistake, I am very confident many, many others have also made the same mistake and 1 ) have n't noticed the credit card charges yet and/or 2 ) do n't know what to do about it. That is why I 'm writing to you today. I made it clear to the Experian representative that I talked to that I was going to contact the CFPB because the " automatic enrollment '' as a " revenue generator '' for Experian was not, in my opinion, an appropriate or " consumer friendly '' way to generate revenue in today 's highly regulated environment. 

For the record, I have no personal or professional connections with anyone at Experian or XXXX - not currently and not at anytime in the past.
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: Rocket Mortgage, LLC (MD)

Upon receiving information regarding refinancing while reading information via email from Quicken Loan, I did not authorize them to do a credit inquiry. I decided to cancel any additional services to inquiry. The request on my credit report lists Quicken Loan as making a credit inquiry, this was not authorized and should be removed.
Consumer complaint received 2015-04-15
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

There is someone by the name XXXX XXXX showing up and affecting my credit score.. 
I have contacted XXXX credit tracker to dispute the matter! i got a letter in the mail that said they had contacted the furnish vendor. its has already been 3 months and no action has taken place.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

Dear Sir/Madam, I would like to express my disapointment of the representatives that works for the Wells Fargo Bank. On XX/XX/2015, I spoke to a representative of Wells Fargo Bank in regards to obtaining pertinent information of my account. Since I would like to expand in areas of my XXXX and as such the information is one of the requirements for this expansion. The information required were : Account Holders Name, Account Number, Six Months Deposits, A statement showing there is no lien on the business account, and I attest that none of the funds used in this account is borrowed and is immediately available for Cater Home Care use. 
This business has been a customer of Wells Fargo for over one year and seeing that there is a six months requirement I felt that it was only fair that Wells Fargo furnish me with the true and authentic information required. I have spoken several times to representatives of Wells fargo and they have either refused to furnish me with the information needed or fax and mail information which was not asked for. 
This situation has become an issue between Wells Fargo Bank and my business and I have found it appaulding since I am only asking for information that was processed between Wells Fargo Bank and XXXX XXXX XXXX XXXX. 
I am therefore requesting that action be taken to relieve this issue and furnish XXXX XXXX XXXX with all the documents needed so that the business can move forward as soon as possible. 
Respectfully, XXXX XXXXAdministrator XXXX XXXX XXXX.
Consumer complaint received 2016-02-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I decided to close my Capital One credit card due to issues with customer service. Capital One refused to do so, however. As of this writing, it appears that Capital One has still refused to do so. The first attempt was via telephone, starting at XXXX XXXX. The initial representative refused to close the account ( on which there was a zero balance ), as did the supervisor. Further, the supervisor refused to provide a NY address to which complaints and a written instruction to close the account could be sent. 

The second call, starting at XXXX XXXX was largely similar. I then tried to close the account via the website. Despite allowing virtually every other type of transaction, the website does not apparently permit the closing of an account requiring that to be accomplished via telephone. I can only assume this is part of an intentional strategy to frustrate customers who wish to leave Capital One. The third call was substantially similar to the first two, except that Capital One cut off the call when I asked to speak to a supervisor. 

The representative on the fourth call, after a few minutes, said that she would close the account, then told me it was accomplished, and promised an email confirming the closure. Thereafter, however, she transferred me to another person, who said the account was still open. This after more than an hour trying to close the account.
Consumer complaint received 2016-08-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (VA)

I made an agreement over thee telephone to pay them {$210.00} for 7 months, I only brorrowed {$800.00} from them in which there trying to charge me an interest rate @ 800 %. They did not disclose this info until the papers were signed for this loan. I asked this company to send me an email with the new payment arrangements and they never did. I have come to the conclusion that that {$210.00} per month would be interest only. They are trying to make me pay {$6200.00}.
Consumer complaint received 2015-08-28
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: ZARVAD III S.A. (SC)

I placed a cesase order with PayDay Loans and they tried to continue to debit my account with XXXX XXXX XXXX, which require me to close my account. The Lender has submiited the debt to a third party collection agency XXXX XXXX XXXX XXXX XXXX XXXX NY who has harrassed my terminally ill husband home, threaten me with legal action advising me I needed to appear in my county court house in XXXX hours, contacted my place of business XXXX times.