davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (VA)

Equifax I am NOT Equifax customer.     I am not Equifax customer and I do n't remember I ever registered with Equifax, IF I did I do n't think I will share with Equifax with my personal information like " STUDENT LOAN THINGS with Equifax.     Equifax provided my personal financial information a widely with third parties without my permission.     I contacted Equifax this morning  XXXX   XXXX   XXXX  to dispute all my credit history from his page. " When I Contacted Equifax and requested a dispute my credit report, Equifax asked me security question " like how much student loan do you have, and who is the loan provider?     The Equifax NOT my student loan lender, this not Equ ifax business,  and again I do n't remember I did share my student loan information with Equifax, again I dont want to share my student loan information with Equifax, so I refused to answer Equifax 's security QUESTION which related to with my personal financial informations. And Equifax said " if you do not provide how much student loan do you have and than we will NOT dispute your credit report. ''  XXXX   I  am NOT   XXXX   customer.     The company did provide my credit information to the third parties without my authorized signature/ without asking me. I request  XXXX  to dispute my credit history from the   XXXX   website.       XXXX   I am  XXXX  customer.     I am request   XXXX   to dismiss my OLD credit history from his webpage. Especially olds  XXXX  NO good for my future business.       XXXX   provided my credit history to third party without notifying me which have been impacted my business pretty deeply.     SO I request  XXXX  to contact me first before provide my credit history to THIRD parties
Consumer complaint received 2017-04-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical-Dental-Hospital Bureau of San Antonio (TX)

I noticed that I had a debt collector on my credit report. But I had insurance at the time of the visit. So, I hired me a consum er investigator to look into the debt and why is Business Professional Services is on my credit report. Aft er the research was done it was a medical bill with  XXXX   XXXX   XXXX . So, a visit was made to the clinic to find out why did I have a medical bill on my credit report. They looked into their records and found out the bill was actually paid by my insurance. Now, I the collection company will not remove themselves from my credit report.
Consumer complaint received 2017-04-24
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. (KY)

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX      XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Please remove these inquiries from my credit report immediatel y
Consumer complaint received 2018-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc. (KY)

Merchants Adj Service has willingly reported to the three credit bureaus a debt of {$91.00} XXXX XXXX XXXX XXXX. I never received a notice of right to dispute by mail from them at my Current address. I have contacted them several times demanding they remove the reporting and resend the file to my medical insurance provider as my claims are covered 100 % by either Medicare or Medicaid in the state of KY. They have ignored all attempts to comply to the FCRA on reporting and the FDCPA on the proper procedure of rights to disputing. I will continue to exercise my rights under the FCRA filing regularly under the CFPB portal including but not limited to litigation if deemed necessary.
Consumer complaint received 2019-10-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank is once again comingling the order of checks, ACHS, Debit card purchases, in order to charge exorbitant fees. Every week for the last month wells Fargo has charged me 3 over draft fees. At the rate of XXXX each, wells Fargo has made XXXX a week off of my account and done this 4 times in the last month. 

I have personally seen funds on hold for payment and within a day those funds are not showing in the account and the next day everything goes through the account and I am charged all of these fees.

Enough is enough! When will you do something about their criminal activities??
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: LJ Ross Associates (NY)

I received a collection letter f rom LJ Ross  on  XXXX  for an unpaid account from  XXXX  on  XXXX / XXXX /  XXXX  . I was sure I paid that account in full but being so long I was n't exactly sure now ... So I sent a dispute letter on  XXXX  asking how I owed on this account a nd why LJ Ross  is collecting on this account but never received any information back. Under the Fair Debt Collection Practices the collection agency is not allowed to further collect on this debt until it is verified. They are still trying to collect by posting it to my credit report.
Consumer complaint received 2017-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NE)

I was added as cosigner on a student loan through  XXXX   XXXX   XXXX  in  XXXX . When I fiiled out my portion of the paper work I added  XXXX  stipulations for the loan :  XXXX  Interest would be paid during school to avoid a Higher amount of principle at the end of school.  XXXX  I be notified if the loan payment is late.  XXXX  do not put the loan through if the stipulations are not agreed to by all parties.   XXXX   XXXX    XXXX  took my information, removed the stipulations, forged my signature on the note and pushed the loan through. they then sold the loan to  XXXX   XXXX   XXXX  and then National Collegiate Trust. The loan is serviced by  American Education Services  and despite 11 years of attempting to resolve the fraud with AES I am still unable to get any where. My credit has been and continues to be effected by the false reporting and including my name on a loan I did not agree to or sign for. I have spent over  XXXX  hours on the phone, sent in a fraud packet in  XXXX , contacted the governors office in Nebraska and Pennsylvania and Inspector Generals in both states as well. My credit is still effected. NCT and  AES  are the only negative marks on my credit history since  XXXX . I have maintained a perfect record of paying off my debts including  XXXX  of my own student loan fees. I have no problem paying off what I owe but I will not have my credit held hostage or give in to extortion on a loan I did not agree to or sign for.    Consent to publish the description of what happened? Consent provided My loan is Non-federal student loan ( Private, alternative, other student loan ) Issue Getting a loan : Qualify for a better lo an than offered
Consumer complaint received 2024-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Your continued reporting of accounts linked to identity theft violates federal law. I never authorized these accounts and previously disputed them with supporting identity theft documentation. Enclosed are copies of my social security card and driver 's license for additional verification.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I JUST LOOKING OVER MY CREDIT REPORT AND FOUND SOME ADDRESS THAT APPEAR TO BE INCORRENT. I ; VE ENCLOSED DOCUMENTION PROVIDING PROOF OF MY CURRENT ADDRESS AS INSTRUCTED TO DO YOUR WEBSITE. I ALSO NOTICED THAT MY NAME APPEARS TO BE MISSPELLED, ON MY CREDIT REPORT. MY NAME ONLY HAS ONE CORRECT. THERE SHOULD BE NO VARIATIONS LISTED BECAUSE MY NAME HAS NO VARIATION. MY PHOTO ID ENCLOSED TO SHOW THE CORRECT SPELLING. ONCE AGAIN IN ORDER TO MAKE THE PROCESS OF ACTION EASIER HERE ARE THE INCORRECT SPELLING ISEE LISTED. 

INCORRECT NAMES XXXX XXXX XXXX INCORRECT ADDRESS XXXX XXXX XXXX ALL OTHER ADRESS INCORRECT PHONE NUMBER PLEASE REMOVE INACCURATE EMPLOERS AS WELL AS LIST BELOW ; XXXX XXXX ONCE YOU HAVE DELETED THE INACCURATE NAMES AND ADDRESS FORM MY CREDIT REPORT, PLEASE SEND ME A COPY A COPY OF XXXX REPORT.
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I would like to file yet another grievance against Equifax for failing to remove  XXXX   XXXX   XXXX  (  XXXX   XXXX   XXXX  from my reports. I have been repeatidily disputing that is showing false and outdated information on my credit profile. Equifax is absolutely harming my financial life and have refused to acknowledge that they continue to re-age an account that is supposed to have been removed from my credit profile 2 years ago. This account updates as current and even late though the account has been closed for over 7 years. I have not had a lease with this company and it shows that i have many many lates incurred even though this car was returned o ver seven year s ago. As a matter of fact up until a few weeks ago it was  STILL re porting as an active account.     This account is incorrect and false information is being displayed to creditors and this is damaging my career.     I have proof that neither  XXXX  nor   XXXX   were able to get a hole of this company. ALSO I have filed many CFPB complaints against  XXXX   XXXX  and I have even called the numbers provided and i have received NO RESPONSE. My concern is what type of scam Equifax is running on people who dispute items because  HOW ar e they verifying this? it is false and impossible to confirm. They have had " IN PROGRESS '' next to my dispute since  XXXX   XXXX ,  XXXX !  Enough is  enough. this is not an accurate tradeline, it contains wrong information and it is displayed with negative remarks. I have lost credit over this and I am absolutely on the verge of suing them and    XXXX   XXXX   . The addresses are wrong the numbers are wrong ...
Consumer complaint received 2017-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OK)

my federal loan was with direct plus. When they consolidated all my loans my new loan was w ith Navient.  My loans went from  XXXX  to  XXXX . the fees are through the roof. I tried to set up payments under the student loan forgiveness program. The told me not possible because they purchased my federal direct federal loan. I explained that I was a public service member for the united states  XXXX . the only options that have provided is a forbearance. I saw in the news about  the Navient law suit  issues and was given this site to file a complaint from   XXXX   XXXX  .
Consumer complaint received 2024-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

on XX/XX/year> i was distracted by a male who was standing extremely close behind me. this male stole my card and was able to make 2 transaction ( 1 for {$500.00} and that other for {$400.00} ) totaling {$900.00} before i was contacted by citibank fraud alert who alerted me of the fraudulent transactions and loose of my debit card. i then informed the bank these transactions where not done by me and was able to freeze the acct and i also filed a police report and was issues a new card.
Consumer complaint received 2017-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Finance, Inc. (CA)

my loan through  American first finance  who I did n't know was a long provider has not given me the contract is alone nor have they provided me account number axis to any of my nation I initially got them from the furniture store without even realizing who the buyer was going to be I just recall been approved for {$3000.00} I have since paid {$2400.00} into this loan and come to find out I owed {$3200.00} still because I 've only paid in interest which is right seems pretty illegal to do to me I have no information regarding this well at all I want to resolve this issue I want is taking off then I called in and asked for the pay off in my pale keeps increasing making it impossible for me to pay it off I need help resolving this issue and getting it off my credit report is settling this debt that I no longer care to have this is an unsecured debt according to my credit report
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Early in  XXXX  I posted a payment to  Wells Fargo Home M ortgage for the   XXXX   XXXX   XXXX  . I did this because it keeps them from callin g 2 or 3 ti mes a day if I want to pay at the end of the month. By  XXXX  I was aware that I was n't going to be able to make the payment. I tried to reschedule to payment on my phone but I got a message saying that they were n't able to access the loan data so I should try back later. And I did. Over  24 hours I tried about 10 times, o nline and on my phone, to change the date of my payment. I kept getting the same message. On the   XXXX   XXXX   XXXX   I walked into a  Wells Fargo b ranch to see if they could help me either cancel or rechedual my payment. After half an h our, two ba nk employees looking at my mortgage account, I was told that the problem is that the payment is pending, which is not what the message said. The woman who I talked with at the branch told me that the only think I could do was make sure that the money was in there because it was coming out. I knew that if I let them complete the transaction then the payment could be retried up to 3 times over drawing my account or taking out money as soon as I get income. I had to call my bank and put a ACH cancel/hold thing to make sure the payment will not go through.
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Continuing problems with false reporting with  XXXX  mortgage company. We 've reported this company in the past and when investigated it was found we had made every single payment EARLY and they had made an error on their end in   XXXX   XXXX   XXXX   They updated the account after we proved we made all of our payments  ( cashed checks do n't lie ) for the end of the investigation but then turned around less than 3 months later and started charging us a bunch of late fees and are now reporting us as " delinquent '' on our credit reports. We have read hundreds of complaints regarding this company and do NOT understand why they have not been shut down at this point, as it appears they do this to everyone. Our credit is now ruined by them yet again and we are not in a position to refinance our mortgage with our lowered credit scores from their false reporting. We have every single bank statement clearly showing we 've paid early on every single pa yment but they still claim we 're behind on payments. This needs high intervention and a class action lawsuit should be filed for the lives this company ruins.
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC (FL)

My problems is with Preferred Credit, Inc Account # XXXX. I have always paid on time and more than the minimum payment. However, my bill has always indicated a past due amount in the upper right corner of the bill. I contacted the company at least three times and it was never address. Also, the balance is constantly more than the amount I do actually owe. I spoke with them about that too with no success in getting the matter resolved. 
I would greatly appreciate some oversight intervention from your agency on my behalf. Thanks in advance!! 
XXXX XXXX
Consumer complaint received 2017-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

I received a letter from Carrington Mortgage Services dated   XXXX   XXXX   XXXX   stating, " Our records do not show receipt of your   XXXX   payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge in the amount of {$0.00} has been assessed. Your total payment amount due is {$470.00} ''.   XXXX   XXXX   XXXX   I sent a response to  Carrington th at the  XXXX  Payment was paid and included a copy of my bank statement for proof. I received a " Notice  of Intent To Fore close '' letter dated   XXXX   XXXX   XXXX  . I received a written response from  Carrington da ted   XXXX   XXXX   XXXX   that states "  CMS find s the written inquiry submitted either does not contain a signature or bears a signature that does not match our records. We have enclosed a copy of the original request for your records and further review. Once you have signed the written inquiry, please resubmit your request for further review ''.   XXXX   XXXX   XXXX   I contacted  Carrington Custo mer Service - Phone #  XXXX  and talked with a representative identifying herself as "  XXXX  - Employee #  XXXX .  XXXX  requested I Fax a bank statement to her as supporting documentation which I did that day with a copy of my bank statement for proof of payments that went back 8 months. I also included copies of my   XXXX   Tax and  Homeowners Insurance pa yments. All signed. I did not receive a response regarding the Fax. I received a letter from  Carrington  dated   XXXX   XXXX   stating, " our records do not show receipt of your  XX/XX/XXXX  payment in the amount of {$420.00}, and as of  XX/XX/XXXX , a late charge of #  XXXX  has been assessed. Your total payment due is {$470.00} ''.   XXXX   XXXX   XXXX   after no response I Faxed another copy of supporting documentation t o Carrington Custom er Service. I went ahead and mailed a payment Certified Mail of {$470.00} to ensure everything was covered while I was dealing with  Carrington C ustomer Service. I than received a Certified letter  from Carringto  XXXX  dated  XX/XX/XXXX  " Notice of  Intent to Foreclose. The  above referenced loan is in default because the monthly payment  [ s ] due on a nd after  XX/XX/XXXX  have not been received. The amount required to cure the delinquency, as of the date of this letter, is {$890.00} less {$0.00} monies held in  Unapplied ' '. As of   XXXX   XXXX   XXXX   I still have not got a response fro m Carrington Cu stomer Service. I recently went paperless billing which was a mistake, as now I have to rely upon "  My Carrington ' ' on line Web site to verify monthly amount due. My account on this site is consistently inaccurate on "  Amount Due ''. Carrington h as now listed my Mortgage account with the Credit Bureaus as 60 days late. I have done everything requested of me fro m Carrington Mortgag e Customer service from the start of this issue but am not getting a response. I need my account corrected, late charges returned, at the Credit Bureaus data corrected. Please see Attached documentation :
Consumer complaint received 2018-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from XXXX ( XXXX  ) and capital one, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2017-04-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ECMC GROUP, INC. (AZ)

I terminated myself from the sorority in   XXXX   due to girl doing too much drinking and drugs. So I had a meeting with the board and they said I would not owe anymore fees because I disaffiliated myself from the organization. I have tried to contact the sorority by phone and am unable to reach them and get no responses to my voicemails. This has been an ongoing processes of me trying to get ahold of them for almost  XXXX  years now. I also received and email from the sorority in   XXXX   XXXX   stating that I was no longer going to be charged after speaking to the finance department of greek life at  XXXX .