davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

I disputed a judgement on my credit report with Equifax due to inaccuracies on my credit report. I asked for verification on XXXX items specific to the judgment. Their " investigation '' took 7 days and they sent me a form letter that not only did not address my XXXX original verification requests, it simply stated they updated the judgment to " paid/satisfied '' with no explanation. It is now 30 days outside of my original request, they did not validate my disputes in question nor did they remove the judgment from my credit report, and the only thing they will do is initiate another dispute, essentially giving themselves a " do-over '' on their own incompetence at my expense. I do not have this judgment on XXXX of the XXXX bureaus, and would like it to be removed from my Equifax credit report. At the very least, I would like an investigation be done to look into Equifax 's policies and procedures when processing credit report disputes.
Consumer complaint received 2016-09-01
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TX)

They send me this pre-selected secured loan certificate for {$5200.00}. I called to get the low and they run my credit and then tell me they ca n't approve me. This thing arrived in my mail box at a time when I need the money. For a bunch of repairs to my car. I think this company is sending out these letters in attempts to collect personal information on people who need the money. They ask for all information from bank account info and monthly bills.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Investment Retrievers, Inc. (NJ)

My name is XXXX XXXX. I signed up with XXXX XXXX in XX/XX/XXXX for online classes but I could n't pursue after having a baby so I called and cancelled. I was never registered online. It 's now XX/XX/XXXX and they have this account with investment retrievers listed on my credit report which is preventing me from getting a mortgage. I have tried to dispute this with credit bureaus and it 's just not going away please help me. I need to move on with my life and this is enabling me.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has not allowed me to utilize the mobile app since XXXX 2016, and the only ATM in XXXX has been disabled from receiving deposits for several days. When I called Wells Fargo to discuss these issues, I spoke with someone who was happy to apologize profusely, and tell me that he would do something about it, but he never did to anything about it, and we did n't make any progress. 
Since i 've had this issue with Wells Fargo repeatedly, i 'm reaching out to you in the hopes that they will treat you with greater respect than they do me.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK (KS)

I signed up for a first tennessee bank checking account earlier this year, thus a XXXX Inquiry was initiated. I was told many times that I had met the requirements for this new checking account bonus via their secure message yet I was n't credited the bonus. 
I gave up on the bonus part of it awhile ago, but right now all I want is the XXXX inquiry for First Tennessee Bank removed off of my credit report. I think that would be fair considering what I went through.
Consumer complaint received 2017-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (CA)

Ad Astra claims i owe their client XXXX XXXX a {$310.00} for some kind of loan i never got.I filed a complaint against them here recently to which they said that they still believed the debt was mine and that they sent me some kind of proof, which of course I did n't get.They also said that if i really was a victim of identity theft to file a report with the FCRA and contact them and they will remove it.I did call them numerous times and sent them a copy of the report i filed with the FCR, report # XXXX but instead of removing this collection they keep reposting it to my CR 's!!!!!
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Six times since XXXX XXXX, 2016, I have received reports from XXXX that there have been Hard credit inquiries on my credit report that were made without my knowledge or authorization. Each time, I have spent many hours on the telephone with XXXX, Capitol One, XXXX, XXXX, and XXXX. I do not have the energy to fight this any longer. Inquiries that are still on my credit are as follows. 
1. XXXX XXXX, Capitol One Bank USA NA. 
2. XXXX XXXX, Capitol One NA. 
3. XXXX XXXX, Capitol One. 
4. XXXX XXXX, Capitol One. 
5. XXXX XXXX, CBNA. 
6. XXXX XXXX, CBNA. 
There has also been an attempt to open a checking account in my name and with my SSN at XXXX XXXX XXXX a few months back. 
Please help me remove these inquiries from my report with the XXXX credit reporting agencies. None of the XXXX agencies seem to care that these bogus inquiries remain on my report.
Consumer complaint received 2016-11-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Praxis Financial Solutions, Incorporated (VA)

I received a phone call at my place of employment from someone who would not report who they were, however, claimed I owed them money from credit card debt. After hanging up and tracking their phone number, I learned who they were. 

Praxis Financial Solutions XXXX XXXX XXXX # XXXX XXXX, IL XXXX ( XXXX ) XXXX They called under the phone number " XXXX, '' which can be traced to their company.
Consumer complaint received 2016-10-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Pacific Union Financial, LLC (CA)

In XXXX I financed my house. The payment we agreed on in contract is {$1000.00} and {$20.00} extra towards principle as my mortgage monthly payment for 30 years fixed. The total loan amount is $ XXXX and 4 % APR. However in the last few months my mortgage monthly payment went up to {$1200.00} including the {$20.00} towards principal. So my mortgage payments went up about {$120.00}. 
I called my lender, PACIFIC UNION FINANCIAL, they said it 's because the property taxes went up in XX/XX/XXXX, which is right after I moved in to the house. However the increase in payment and the letter I received for the increase started around XX/XX/XXXX. 
My concern is that I agreed on a payment that I 'm I can afford and comfortable with. However I ended up paying more which is affecting me in a negative way and I am afraid I will fall behind soon.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (FL)

AFNI ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My prior loan servicer, Select Portfolio Servicing ( SPS ), is reporting my account as " foreclosure started. '' However, foreclosure proceedings were never initiated. 
On XX/XX/2012, my account was transferred from XXXX to SPS. Prior to that, I entered into an agreement with XXXX under XXXX 's Cooperative Short Sale Program. The loan was not referred to foreclosure by XXXX. 
SPS informed me that they did not participate in the " Cooperative Short Sale Program, '' but instead invited me to participate in " Cash For Cooperation ''. I accepted the invitation and the account was settled in a short sale. 
Thus, SPS is incorrectly reporting my account as " foreclosure started ''. This is damaging my credit score and causing me to pay significantly higher interest rates on financing.
Consumer complaint received 2016-07-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX/XXXX/XXXX I was treated at the XXXX. in XXXX XXXX. I was treated and released. I am a XXXX Veteran insured by the XXXX. Due to a glitch in the system, I did not have my ID card. Medicare paid part of the bill. I submitted the bill to the XXXX for payment. Thought it had been paid. When we went to inquire about refinancing we we told that our credit score had dropped due a collection agency named Commonwealth Financial CFSI. I was never contacted by this agency or asked to defend the charge of {$960.00}. I have been trying to get this resolved since XXXX XXXX. They have been sent numberous pieces of documentation stating that I was insured by the XXXX. My Doctor gave me a statement on a XXXX form which stated that I have been a XXXX patient since XXXX/XXXX/XXXX to present day. I sent this along with a letter and my ID card to the agency. I was told that if I gave proof of my elegibility as a Veteran that the debt would be cleared. My wife spoke with many reps there and General Manager XXXX XXXX, XXXX, XXXX XXXX, XXXX. She calls on a weekly basis, each time they say it is with client relations and call back later. In early XXXX they said it was sent back to XXXX XXXX XXXX. Call again for status. They had not heard back. Today XXXX/XXXX/XXXX over XXXX later, she is informed that the account is on hold for 60 days and that XXXX XXXX XXXX is rebilling the XXXX XXXX. This is a clear violation of my right as a Veteran who has served his country and always enjoyed excellent credit. This bill is not my responsibility. Please help get this issue resolved so that we can get our credit score where it should be. This is not way to treat a Veteran Thank you
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, XXXX and Transunion. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from XXXX XXXX XXXX for ( Acct # XXXX ) demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. 
According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IN)

US BANK! On XXXX/XXXX/XXXX I made a purchase for XXXX. This brought my account balance to XXXX. On XXXX/XXXX/XXXX the bank charged their monthly fee causing the account to go -XXXX balance. 
Three days later the bank states the purchased from XXXX/XXXX/XXXX was processed and charged an over NSF fee if XXXX. I feel this is wrong due to it was a bank fee that over drafted the account. There was no other balance change when the NSF fee was added. 
I feel this is the bank charging a NSF fee for their bank fee which is wrong. Also I was never made aware my account did not meet the requirements and would be charged a monthy fee. The bank has told me this could change ever month. Too confusing for customer 's to keep up with.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX 2016 I checked my credit on XXXX and had a total of XXXX hard inquires removed from my report. I checked my account again on XXXX XXXX 2016 and all XXXX hard inquires were placed back onto my account without sending me a reinsertion letter as required by fcra section 611. I have called Transunion at least once a week since then to try to get this issue resolved and have received no help, no one will transfer me or connect me to an American representative or the fraud department, multiple agents have even been belligerent, some have even told me they know what happened but it 's basically too bad and that I should just file a complaint because they will not fix the issue.
Consumer complaint received 2016-11-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (FL)

CREDIT COLL ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXXXX MA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My CHASE account was restricted. It went through days of investigation and when the investigation was complete they claimed they sent me a check for the remaining amount on XX/XX/2017. Today is XX/XX/2017 and still I have received no check. They told me to sign an affidavit and indemnity agreement which after reading I realized will take all legal liability for the check away from chase. Everytime I call I get the run around and nobody can seem to provide me with any valid information that the check was indeed issued. They want their customer 's to sign this form but I 'm uneasy because thus it 's been 30 days and I have n't gotten the first check, why would I feel comfortable in signing a document that says the " first check '' they issued is now void and to wait around for them to hopefully send me a " second check ''. I 'm convinced that the first check was never mailed. It does n't take 30 days to receive a check in the mail. Every time they mail something out in regards to that account I always get it at the address that I have on file with them.
Consumer complaint received 2016-11-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am contacting your agency because I have sent Transunion letters of dispute informing them that the tax liens showing on my credit file do not belong to me. I have contacted the IRS and other government agencies that stated that they do not have any liens under my name or Social Security Number. I need your help in getting these Tax Liens removed from my credit file. These Tax Lien is showing that they have been reporting as early at XXXX, XXXX, XXXX, and XXXX. Please help me in getting Transunion to remove these liens from my credit file.
Consumer complaint received 2017-01-30
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: WELLS FARGO & COMPANY (MO)

I was ( closed my bank accounts in XX/XX/XXXX ) a Wells Fargo customer for over 20+ years. I applied for a {$10000.00} home equity loan over a year ago and was declined, however they said I was already approved for a {$10000.00} credit card. I took the credit card with zero interest for one year. They upped my credit limit to {$13000.00}, and then to {$16000.00} without me asking for increases. I now have a {$13000.00} balance at 27 % interest and tried to pay down the balance with my bank account. I made a {$10000.00} electronic payment on XX/XX/XXXX and received a confirmation letter from Wells Fargo ( via mail ) and my bank account has been reduced. On XX/XX/XXXX I requested my credit limit be reduced to {$5000.00} ( I have a {$3000.00} balance ) and I asked to have the reduced credit limit reported to the credit bureaus. I was told I had to wait 3 days for the payment to clear before I could reduce my credit limit. Today is XX/XX/XXXX and I called today to request my credit limit to be reduced, and I was told my payment had not cleared and again I could not reduce my credit limit. I am fed up with the inappropriate banking practices of Well Fargo. I want my credit limit reduced to {$5000.00}, and I want my interest rate to be reduced to around 11 % ( like my other cc account ), and I want all of this immediately reported to the credit bureaus. Not too much to ask!!! Wells Fargo needs to be closed by the govt and all executive officers punished, not just in XXXX, XXXX XXXX 
XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on 2 seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. My wallet was stolen with all my personal documents. I reported the incident to the police and received a police report. on XXXX 2016 I noticed that there is information on my report that do n't belong to me. I filed a police report for that too. I sent all the documents to the credit bureaus XXXX, Equifax, and XXXX XXXX. the credit bureaus removed almost all the fraud accounts. Equifax is still reporting XXXX fraud accounts even due XXXX and XXXX XXXX deleted them and I did proof that it 's not mine by providing them with my XXXX police reports. Equifax is ignoring after I sent them everything they need as I was told by the FTC. I really need your help to resolve this matter.