davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

I have a store credit card through Wells Fargo for a Mini Blind company that installed some window coverings in my home. This card has been very difficult to set up as auto payment. On several occasions i have worked with the customer service department from Wells Fargo to try and set up auto debit. i am unable to set it up on my own since i do not have the credit card issued to me. I was told the first time back in XXXX that a new card would be mailed out and i could set up auto pay myself online. This did not happen. I got a call from a rep that the payment was doing to be late, so i had the rep help me submit payment over the phone and then asked again if she could help me. She this time said she could submit a request and it should work. I feel like this issue is finally resolved and fined out in XXXX that the payment is going to be late 30 days if i do not pay it over the phone. Please keep in mind all of these conversations with a rep are from the XXXX. Frustrated, i tell her to pay for both months payments, the previous month that is at risk and the next month. then i ask to be transferred to a United States rep or supervisor. The Agent does and this is why im told that since the payment is being submitted on the 29th day, there is a chance it will process and be reported late 30 days. I advised the rep that this is not fair to me since im paying it within the time limit and my records should already show how much of a struggle this account has been. I still do not have a actual card mailed to me and i do not have faith in the resolution of another attempt at setting up auto payment. 

She assures me that she is going to send my escalated requested to their department that handles credit reporting. 

when i finally get a chance to speak with the escalation agent XXXX. She tells me that she would have to go back and try to listen to the calls but it doesnt look like there are any recorded calls for my account in the past. 

i feel abandoned and given the short end of the stick here. My credit report has a 30 day late and this has caused my credit report to drop 47 points. This has impacted my ability to refinance my car and my home. 

I really need your support here to help resolve this matter.
Consumer complaint received 2017-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

Equifax violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,  XX/XX/XXXX   ,  I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to Equifax disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. Equifax wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for Equifax to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was Equifax able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, Equifax also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of Equifax 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Allied Collection Services, Inc. (Nevada) (TX)

Allied Collection Service reported the exact same accounts twice on my credit report. I paid them {$330.00} on XX/XX/XXXX. I was told that both accounts would be deleted which 1 by the way was false information because the account was inserted on my credit report twice with the same exact same account number, the exact same company and the exact same amount. I have yet to receive a deletion letter as I was told on several occasions. Each time I call they tell me that all calls are recorded but coincidently they can not find the recorded call where I was told that the account would bed deleted. Once the 1st account was updated as paid instead of deleted I called explaining that I was told that the both accounts should have been deleted. I have spoken with several supervisors that told me they would follow up with me and did n't. As of todays date XX/XX/XXXX ( over a month in a half at this point ) supervisor XXXX XXXX advised me that my deletion letter was requested today and will be mailed out no later than tomorrow and to give it 7-10 business days before receiving it. I have absolutely no faith in that ( hence the reason I am still writing the complaint ). This is mistake on Allied 's part that needs to be resolved. They had no valid reason for reporting the same account twice on my credit report and then not update neither of them correctly as promised.
Consumer complaint received 2017-05-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NV)

My name is XXXX XXXX. XXXX XXXX, I graduated with a XXXX Degree in XXXX XXXX XXXX XXXX. My school promoted something that they never delivered. That was the promise of a job after graduating. Unfortunately when I was into the program the Dean was demoted and the staff did not care about the students. There were no XXXX programs and the staff did not help me find an XXXX. The upshot is that I am earning a low income. I have made a good faith effort to repay my loan at a monthly rate I could afford. Going back to when Navient was XXXX XXXX I had been mislead and hurried by unprofessional and dishonest XXXX XXXX reps. They have obscured information on my payment options. I do n't have the exact dates regarding the grievence I am going to address. However, I would be happy to give my account number to track them. This was around three years ago. I had trouble paying the {$110.00} on my loan. I asked the Navient Rep to defer the loan a couple of months. Instead he aggressively pushed me into a loan where I pay {$64.00} for two years and that it will go up. He stated that this was the best plan and that there were other opportunities to keep a monthly payment after this period. This was totally dishonest. He obscured information on interest only payment which would of been less than a {$100.00} a month at the time. Instead after two years my interest with principle skyrocketed. Last XXXX I called Navient. My monthly payment went up to over {$200.00} that makes it impossible to repay this loan in good will. Now I am in a position where I have to defer my loan because Navient 's information resulted in higher monthly payments with interest. I am in an economic hardship position. My annual XXXX income was around {$27000.00}. My cost of living bills include leasing a car for transportation, rent that keeps rising, car insurance, credit card, medical insurance, electric, phone, food, and dental.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have been trying to resolve this issue with Equifax for over four months with written requests and certified mail requesting " 3 '' times for this single incorrect unverified information to be removed from my credit report. This is not my debt and this has negatively affected my life.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (FL)

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting 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. (PA)

I was alarmed to find unauthorized inquiries on my credit report today, and it has left me frustrated and puzzled. I check my report frequently, but this time there were unexplained discrepancies. Even after refreshing my browser, the inquiries were still there. Please review the documents Ive sent thoroughly, as I need this issue resolved promptly so I can stop worrying about it.
Consumer complaint received 2017-08-31
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. (TX)

There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XX/XX/XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Back in XX/XX/XXXX i join XXXX and i was with them foe two years when my contract was up I never renew the services my service was cancel the power box in the house was no longer hook up to they services.in XX/XX/XXXX I  received a collection notice for XXXX XXXX for a bill of XXXX for XXXX. I contact XXXX and they told me I cancel my contract wrong I had to full out o form on they website to cancel but I send you a letter and call the company and no one every told me about the cancellation policy on they website. this is how they get people so they run up a bill for services I never receive a bill for and now they want to collect on it.this is illegal and they no this their no contract renewal.
Consumer complaint received 2017-07-14
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: AES/PHEAA (FL)

I sent in several certified letters to all three credit bureaus notifying them that there was incorrect information on my credit report as inaccurate accounts, inquiries and personal information. I only received bogus verified letters from all three bureaus. I recently checked my credit confidently knowing that the inaccurate accounts, inquiries, and personal information we 're removed from my credit report. I also gave an ample amount of time for the creditors and credit bureaus to correct themselves. I 've given the credit bureaus ample amount of months to correct the errors but yet I still see there was no progression or any attempts made to correct this errored information off of my credit report. Both the credit bureau and creditors broke the law without getting any consent from myself, and I have n't received any documents with my signature verified. Many of the FCRA laws we 're broken in this incident, my next move is to file a lawsuit against all three credit bureaus. My name is associated with several XXXX XXXX living today and I noticed that I have several social security numbers that are incorrect, addresses, accounts, inaccurate errored student loans which are n't mine, other accounts that are n't mine as well. The creditors along with the Credit Bureaus have cost so much problems for me because their inputting errors on my credit file which is making my life a living XXXX.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I received your correspondence regarding the debt with the above creditor. I contacted them to report unauthorized transactions placed on my account on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX and at that time I advised that I wanted the card blocked and to dispute the transactions and request that no further transactions to be placed on that account. I received a new card in the mail which I never activated. I explained that I did have a rental car with XXXX on XXXX/XXXX/XXXX and that the charge of XXXX placed in XXXX was authorized. XXXX XXXX choose to pay the unauthorized charge despite my dispute and since I did not authorize the charges I am not responsible for that amount or any charges incurred based on the payment of that charge. I explained that I will not be paying any of these fees because as I stated I did not authorize these charges and did not owe XXXX this amount. I have already filed a complaint with the BBB due to the poor customer service and unwillingness of XXXX XXXX to process my dispute. I explained that In reviewing my account you can see prior to this I paid my balance in full and had intended to pay off my account until they processed these charges. My XXXX Statement shows clearly that I reported the card lost and yet XXXX XXXX continued to pay charges that were made with the lost/stolen card. The XXXX and XXXX charge both came in on the lost cards account number and yet they paid both transactions. I explained to XXXX that I believed that my card was left at their location and an employee there used that card to post additional transactions to that card. As you can see as of the XXXX statement that card was never used again except by XXXX and that is because it was no longer in my posession. When I brought this to their attention they stated that the employee had been fired who processed those payments and told me to dispute it with XXXX XXXX which I did and still the charge was paid and I was charged the associated fees. Additionally there was no proof of my signature authorizing either transaction placed on XX/XX/XXXX or XX/XX/XXXX which I did request from both XXXX and XXXX XXXX and have yet to receive. Additionally I am requested that this item be removed from my credit file immediately until I am provided with written verification of my authorization of these charges in addition to written verification of my acceptance of XXXX XXXX 's Terms of Service to include my signature. This correspondence was sent to the creditors attorney in XXXX of XXXX and they have yet to respond.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (IN)

Status of the account is closed and written off with an high amount and purchased by another lender. Personal information was shared and sold off the account to harass, hassle and report negligence of an high amount on the account and sent to an debt collection agency.
Consumer complaint received 2024-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I made a business pay check deposit into my personal account through the Citibank app. I got a notification that due to fraud protection my funds would to be held for more than 24 hours which it would be released from XX/XX/year> to XX/XX/XXXX. 
I contacted Citibank and Citibank was unable to verify funds in the account that the check is drawn from and I am liable to wait for the bank to do their due diligence. As far as I know, it is illegal to issue a bad check and where the check comes from, which is a well and stablished business, for almost a year that I worked for them I had no problem. 

My name is XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I am a victim of identity theft. I have previously disputed this information with ChexSystems however they have continued to willfully ignore my rights as a consumer and have not investigated this matter properly. I am now including new information in this dispute. In the attachments you will find a copy of my lease showing where I lived during this theft, a copy of my photo ID, a copy of the FTC identity theft affidavit and a copy of the notarized identity theft complaint provided by XXXX XXXX XXXX XXXX. 

The information being disputed is : Reported Information - XXXX XXXX XXXX This account was opened as a result of identity theft Reported Information - XXXX XXXX XXXX XXXX XXXX This account was opened as a result of identity theft I am disputing the following inquiries as I did not authorize them : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2016-11-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Core Advisory Group, LLC (LA)

I was scammed by Core Advisory Group called them back in XX/XX/XXXX when I received their mail advertisement stating I can get help with stopping my foreclosure sale which was scheduled for XX/XX/XXXX. The advertisement is all bunch of lies, telling me I can get a lower monthly payment, interest rates at 2 % and I was a eligible to be a plaintiff to file a lawsuit against my lender and plus their XXXX program can stop any foreclosure process. They are full of XXXX and nothing but thieves that did nothing for me but lie and stole my money. I signed up with this company on XX/XX/XXXX. They sent out a notary person to have me sign their documents and collect my money. After I paid this company a total of {$3600.00}, my house was immediately sold and they did not do what they said they would do to save my house and I want my money back. This is a complete scam. Around XX/XX/XXXX, I tried to ask for my refund but they make me go through their reconciliation process and fill out more paperwork just for my money back and they did n't even responded back with a refund offer until XX/XX/XXXX almost 5 months waiting for an answer just for them to tell me they are only giving me back {$720.00}. These crooks should be locked away for doing this to people. They did not do what they said they would do and that 's to stop my auction from happening to my house and get me a loan modification approval. This company also tried to get me to file for bankruptcy which I do not understand why would I pay them {$3600.00} for nothing when I could had used that money to hire a real lawyer? I feel they do not deserve a penny and I want them to return the rest of the money that I paid them {$2800.00} plus notary fees of {$120.00} so the total {$3000.00}.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

KINDLY HELP ME. THERE IS AN ITEM OF INFORMATION BEING REPORTED WITHIN MY CREDIT REPORT THAT IS INCORRECT. THIS ITEM OF INFORMATION HAS PLACED ME IN THE WRONG LIGHT WITH NEW CREDITORS WHO ARE REVIEWING MY CREDIT APPLICATION AND NOTICING CONTRADICTIONS IN THE DATA REPORTED IN MY CREDIT REPORT. THEREFORE, I AM ASKING THAT YOU CORRECT THIS ITEM OF INFORMATION AND REMOVE THE INCORRECT INFORMATION.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I was extremely saddened witnessing how my credit report has worsened over the month. All I ask of your company is to review my case and remove these inaccurate and erroneous accounts reflecting on my report and I am only met with the most generic response about my case.