davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Summit A*R, Inc. (FL)

I had an unpleasant experience with a debt collector who used and deceptive practices that violate the FDCPA. They added an account to my credit report without my agreement or wet signature on any legal contract. The collector also failed to follow the proper 5 step validation process, which is required by law. This situation violates my rights and I am entitled to {$1000.00} for each violation under the FDCPA. I am requesting that the debt collection company remove this account from all three credit reporting agencies and compensate me for the violations. If they fail to do so, I will have no choice but to take legal action. The account they're reporting is also reporting inaccurately which is another violation in itsself.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802 Obligations with respect to disclosures of personal information ( b ) You Reported my NON-PUBLIC PERSONAL information to a NON-AFFILIATED THIRD PARTY. 

To date, I have not granted you or XXXX XXXX XXXX XXXX such authority. This is a violation to my consumer rights. By federal law you are required to remove the accounts from my consumer report. 

XXXX XXXX XXXX - Late payment reported on XX/XX/XXXX XXXX Credit Card - Late payment reported on XX/XX/XXXX
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (UT)

Hello, I cancelled a flight in XXXX for {$800.00} from Wells Fargo on XX/XX/2022 because I had purchased the wrong one. I received proof of refund by email but I was never refunded the money. I contacted their customer care to find out why I havent received my refund they told me refunds can take from 3 to 6 months. After that time passed I contacted their customer care again to find out they told me it is not refundable because I had to cancel the flight 24 hours in advance, but I cancelled the flight 9 days before. Then I went to the bank Wells Fargo on XX/XX/2022 to create a claim ( Case # XXXX ), the bank told me they were going to send me a letter or email for an update on the claim. A month passed and I called the bank and they told it has passed too much time to be able to make a claim and that the only thing I can do is try to settle with XXXX. They dont give me anymore answers about my refund but I have proof of all these events.
Consumer complaint received 2015-10-26
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (WI)

On XXXX, XXXX XXXX, 2015, i went into the PNC branch in XXXX on XXXX to exchange some spare change I had. The bank said they do not have a coin machine and refused to exchange my currency if i did not put it in sleeves myself. How can this be that one of the largest banks in the United States refused to commercially exchange U.S. coins for dollars?!
Consumer complaint received 2015-04-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I originally made a dispute regarding a XXXX account in my name. I went ahead and paid the account so I could get it off my credit while I disputed the account with the company and the credit bureaus. The XXXX response I received was that I needed to provide them with evidence that was not previously presented. So I sent them in the proper documentation. I then sent them a letter requesting a description of the procedure they utilized to verify the account. They sent a letter back stating they did n't have to forward any information to the creditor and basically it was not their problem. The other XXXX credit bureaus have corrected this account and it is no longer on my credit report. I also requested them to add a statement to my account regarding an account with XXXX XXXX and they are the only credit bureau who has not complied with my request. I am including the documentation I have relevant to my case. I would like this account updated and/or removed and I would like the statement that I requested added to my credit report. This credit bureau is one of the most difficult to work with because their responses are evasive or they pretend like the request is suspicious. When you request specific information, they ignore the request and send the response back that they want to send. Please help. Thanks.
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I discovered fraudulent activity on XX/XX/28 on my account linked to my debit card ( completely separate from the above issue ). Specifically, a {$150.00} had been charged at a XXXX XXXX in a town north of me ( that I've never been in ). Twice, Wells Fargo has denied my claim for the money that was stolen from me, attesting that - despite my never having been in the area the money was paid to, despite never having any records of going to the veterinary clinic the charge was listed at- I made the {$150.00} dollar charge despite my protests. I had to call many times to get this case moving, and never heard back on the update ( I had to call them to ask the status of my claim after having it appealed ). After months of fighting them, they have recommended I now go to the police to get the funds recovered, when it should be their job as my bank to protect me. Theyve done no investigation or research into how this person got my information in the first place, leaving me in the dust with no advice other than to cancel my old debit card ( which I did do ).
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (OH)

I rec 'd a promo I would get 10 % back if I used my card for grogery, gas and resturants in XXXX XXXX and XXXX. I used my card only for tht and every month earned enough to ge the max of {$120.00} back. XXXX and XXXX I got my money promised XXXX they never gave it to me I called and called and they said it could be XXXX cycles. Weird because I got my XXXX one in XXXX same with XXXX XXXX still nothing I signed up for a new promo to get {$70.00} back spending at grogery, gas and resturants again I meet the goal to get the {$70.00} never got it in XXXX or XXXX. They are getting us to use the card to get money from the places I use it but then never give me the money I was promised! I think this compnay needs looked into for false advertising and unethical business practices. I have included the two offers I rec 'd I show my bills with no credit in XXXX, XXXX and XXXX XXXX bill just released so I could not download it. I included a screenshot showing no credit on the word doc.
Consumer complaint received 2023-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (WA)

I was notify a alert on my credit report on XXXX that my score dropped 22 points because there was a collection added to my credit I dont know who these people are they dinged my credit I dont know what it is or how long its been owed! I tried calling nobody answered or nothing! I was looking online and they said they have to my signature in order for them to have this debt which I dont have any or nothing! Never got mail from tnem or phone call or email nothing!
Consumer complaint received 2015-06-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I refinanced my mortgage with PenFed in XXXX 2014. They advertise their mortgage rate offer by saying " we pay virually all closing costs up to {$10000.00} ''. In my loan documents, it said that there is no pre-payment penalty. However, now that I am trying to refinance, they are telling me that I owe them {$1000.00} for the closing costs they paid. This is false advertising!! There is a pre-payment fees!! My new lender thinks this is wrong and suggested I file a complaint.
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

The XXXX XXXX XXXX account XXXX is stating High Balance of XXXX and saying the card went over the limit and that information is incorrect and this info needs to be updated ASAP. This has dropped my score XXXX points and I should be removed off this account as an Authorized User.
Consumer complaint received 2023-02-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I called Equifax to remove a dispute and was told it could not be done after initially being told that it could be removed. I got several different answers and finally spoke to a manager who said it was a process and could not be removed despite the owner of the credit which is me that I could not get it removed. This is ridiculously. I hate Equifax. Plus they have untrained staff overseas that know nothing. I got a different reply each rep I talked to. Get rid of Equifax. We dont need 3 different bureaus to many causes for errors
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My bank sent me a XXXX Cancellation of debt. They forgave my debt but still wanted me to make payments on that account. My property was not foreclosed or sold. I sent letters and have made many calls but I have not received a response. The bank then sold or transferred my loan to another bank. I have not made payment on this loan since XXXX 2014 and now they want to foreclose on my property. I just do n't see it fair since they took a tax break and I had to report the XXXX on my taxes.
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NE)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I was contacted by Bank of America to refinance my home, they said that they could give me a better rate and my house would qualify for eliminating the Mortage insurance. They wanted {$480.00} for the appraisal and because of my $ XXXX a year income & I had paid the original principle down from XXXX to XXXX I was a lock for this loan. We had a rude appraiser come in and value the house at XXXX, so I would have to keep the insurance, I protested and provided Bank of America the information from a independent realtor that they asked me to provide. The realtor rated the home value at XXXX based on a XXXX Bedroom home with XXXX full bath XXXX sq ft and a prime XXXX zip code location. The said it was n't good enough and charged my Bank of America credit card {$480.00} & added {$25.00} late fee when I protested the charge. They said they would give the late fee back but never did. I have complained and they say their hands are tied, I even offered to pay {$10000.00} to put me under the Mortage insurance & they wo n't budge. I believe they want only to do loans so they can make extra revenue on Mortage insurence. They refuse to reverse the charge that they put on my credit card without authorization.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DC)

This account is has been showing on my consumer credit reports as a charge-off for XXXX  years plus. Ive been trying to dispute this issue for XXXX  years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a XXXX. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Consumer complaint received 2015-06-18
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Merchants and Medical Credit Corporation, Inc. (VA)

A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

For many years since XXXX and Present Equifax has put many negatives and collections on my credit report and I have filed many Federal complaints and Equifax ignore in deleting the negative collections and negative marks on my Equifax Credit report. 

Equifax allow their third parties business partners to use my Private information such as Social Security number and all my private information. 
Equifax even had a Data Bleach issues and was sued by Law Firms in XXXX Georgia with a {$1.00} XXXX  Dollars Class Action Lawsuit in which I haven't receive my Restitution Award Settlement check no less than {$50000.00} and XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX XXXX Claim XXXX # XXXX Refuses to send my check by US Postal Mail XXXX XXXX, XXXX XXXX XXXX Mail XXXX XXXX Mail XXXX XXXX XXXX requested. 
Email : XXXX I am Respectfully XXXX Life and Retired and a XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-06-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TENET HEALTHCARE CORPORATION (TX)

I settled XXXX accounts with the Central Finl Control in XXXX, I was told that the accounts would be removed from my credit report by XXXX different people. Not only did they not credit XXXX of my accounts they are now stating they will not remove from my credit report. In the mean time they have again reported to the credit bureaus and my credit score dropped because they are stated the accounts were not paid when they were paid. They also state if I have an issue I have to fax it in writing to just a phone number no name or anything. They would not let me speak to anyone other than a floor supervisor. You should be able to speak with someone in the dispute department to make sure you know where your information is going. When I told them I was going to file a complaint she said " you do what you have to do ''. This is a poor way to run a business, they took my money and did not follow through on what they were suppose to do. They falsely reported back to the Experian that there was a balance when it had already been paid.
Consumer complaint received 2023-02-24
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I reviewed my credit report after I complained last XX/XX/23 and I discovered that some of the information on my credit report was incorrect. It is not permissible to fail to validate these reporting accounts as unverified information without providing proof. My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX Balance : {$680.00} XXXX XXXXXXXX XXXX Balance : {$700.00}
Consumer complaint received 2023-02-24
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. (UT)

Months ago, I have sent a letter to the three credit bureausasking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In the accordance with the fair Credit Reporting Act. the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the Right to Privacy 15 U.S.C 1681 Section 604 A. Section 2 States : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2023-02-23
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: PLS GROUP, INC (MI)

I have a check cashing license and have asked for the verified information to be check and got message saying the number was not found for the company of PLS there are other operation that should be register with the number, the message came back on XXXX XXXX message came back from the operation of Ohio Department of Commerce Division of Financial Institutions XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX that the number wasn't found, I sent another detail of the company I was looking for of PLS check cashing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX I notice the number and it looked like the one that was issued. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX