davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am filing this complaint because  XXXX , Equifax, and   XXXX   have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that  XXXX , Equifax, and  XXXX  continue to report on my credit file : Bankruptcy Case ID #  XXXX . I also contacted the United States Bankruptcy Courthouse in  XXXX , GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from  XXXX , Equifax or   XXXX   trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from  XXXX , Equifax or  XXXX  regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus.  XXXX , Equifax, and  XXXX  are using a third party to report this inaccurate information. I 'm requesting the immediate deleti on of this inaccurate information.  XXXX , Equifax, and  XXXX  are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) (  A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy #  XXXX  be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and  XXXX , Equifax, and  XXXX  have yet to verify. Also,  XXXX  informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MD)

I have on several different occassions try and reconcile this matter with this company. I was not in the   XXXX   XXXX   on the date of service this company is alleging. I have sent several requests asking them to provide me with some documentation that I signed that would implicate me being present on this date of service. They failed to provide me any documentation. Whenever I go to the   XXXX   XXXX   or doctors office I always sign something for a consent to treat or an insurance form. This company can not and did not provide me with anything.They failed to provide me with a proper invoice. They typed up an account on their company letter head with the information they want me to believe is factual according to the conversations I have with this company they are not the original creditor so how are they providing me with an invoice on their letterhead anyway? Makes no sense.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (TX)

Someone logged into my Wells Fargo Account and processed 4 wire transfers. the last one was blocked by Wells Fargo. my account has already been closed. 

XX/XX/year> : {$2200.00} ( fee of {$25.00} ) XX/XX/year> : {$2300.00} ( fee of {$25.00} ) XX/XX/year> : {$980.00} ( fee of {$25.00} ) XX/XX/year> : {$990.00} ( blocked and cancelled by Wells Fargo ) I received a letter from Wells Fargo saying they attempted to recover the funds ( from XXXX XXXX, but were not successful. Additionally, the letter said Wells Fargo is not liable according to my online access agreement. " you are responsible for online wires that comply with the governing Security Procedure, even if you did not initiate them '' My ultimate goal is to recover my lost funds totaling {$5600.00}
Consumer complaint received 2024-09-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO Bank, N.A. (CA)

XX/XX/year> We called XXXX different XXXX numbers for the BMO banks for customer service. My husband called The XXXX and the customer service rep seemed sketchy and insisted they have XXXX managers or supervisors to help us. Our passwords, ssn 's aren't working. The call sounded like a bunch of people in a call center and nothing about the interaction my husband had with these people seemed legitimate. We are concerned the bank 's phones numbers or system has been hacked, but we have no one to verify anything. All of our money could be gone. 

We can not access our bank accounts at all and no one at BMO on the evening of XX/XX/XXXX could help us. How is that possible? How can they not have a single person to help if someone has been locked out of all their bank accounts? We believe our accounts have been hacked, but we can't confirm because we can not access our accounts. Something isn't right with BMO.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I want to report TransUnion violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XXXX ],  erroneously reported my account was being " 30 days late '' in XXXX of XXXX, even though I mailed them a payment check. When I opened a dispute through the TransUnion website, TransUnion forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by TransUnion because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report. My account history shows that I have a 12+ year history of perfect payment. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want TransUnion to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate. 

The Consumer Financial Protection Bureau have said federal law requires the credit-reporting companies to conduct a reasonable investigation and update the data to show necessary changes or delete the item.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-07-15
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: Experian Information Solutions Inc. (AZ)

Experian has allowed some company called  XXXX   XXXX   XXXX  to place a collection on  the Consumer Repo rt they keep against my name. I have no relationship to this company, i do not owe them an y ,  and they have never sent me a bill or notice of default. i tried calling the company and they dont answer and have not returned my messages. Experian will not provid e me any avenue to dispute this f alse information and have it removed from the report they keep against my name, they essentially accomplices at this point to a company that has broken the FDCPA and is fraudulently defaming my name and costing me money due to poor credit rating.
Consumer complaint received 2017-05-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (VA)

I am a co-applicant on a private loan with  Navient (  XXXX  ). I wo uld like to know, if I am held responsible for this debt as much as the applicant why do n't I have a say in what goes on with the loan ( as far as skipping payments or paying interest only ). I have never had any contact with anyone asking if the payments could be interest only. I think after they have given the applicant the authority to change their payment options, the loan should fall only on the applicant. Could you please help me with this?
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

My loans began in XX/XX/XXXXwhen my first of 3 children went to college. These were government loans through Sallie Mae. These loans went through various payments, deferments, etc. while various payments and interest was applied. In XX/XX/XXXX, there were 2 loans left and they were consolidated and a set amount was paid monthly on time since then. Progress has been slow because the interest rate is 8 % and in many discussions with Sallie Mae, they advised the way to get ahead was to apply lump sums to the principle and that will help move closer to paying these off. Navient is the servicing company now and I have started making lump sum payments but they refuse to apply them as I ask ... They take the interest and say they must split my payments and take all their interest first. This is illegal and they are stealing money from millions of people trying to pay back loans. I see that there is a pending law suit for just this practice and I want to join in because they have done this and I am forced to continue to work at age 70 to pay these off. I support paying for my loans but they are trying to make themselves rich at others expense.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (DE)

I am continuously receiving phone c alls from MIDLAND FINANCIAL DEBT COLLECTORS from MULTIPLE phone numbers. I have REPEAT EDLY asked them to NO LONGER call me and correspond with me v ia U.S. Mail. They CO NTINUE to call me at ALL hours of the day from  XXXX  EST -  XXXX  EST. They repeatedly disregard my request to correspond ONLY with Mail and that they are harassing me. I have blocked every number from them. Here  are a few of the numbers they have called me from with dates and times. This is just in the last TWO  WEEKS :  XXXX  -  XXXX   XXXX , MI -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX ,  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NJ  XXXX / XXXX / 17  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX   XXXX , CO -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV  XXXX   XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX   XXXX  - Unknown  Location  -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX
Consumer complaint received 2017-05-31
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: Experian Information Solutions Inc. (MD)

After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters b ut they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.
Consumer complaint received 2024-10-20
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC (CO)

On XX/XX/XXXX I sent a validation request to Transworld systems for a debt that have placed on my credit report. They received the letter as I received the signed Certified receipt back in the mail.

It has been over 45 days and have not rcieved any communication from them Ive attached the original request and the receipt.
Consumer complaint received 2024-10-29
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. (FL)

I am writing to dispute several credit inquiries that have appeared on my credit report which I do not recognize. These inquiries were made without my consent, and I believe they may be related to potential identity theft. I have also filed an Identity Theft Report with the FTC, and I would appreciate your assistance in resolving this matter. The inquiries in question are : 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I will ask this inquiries are deleted from my credit report.
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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (PA)

Elan Financial stole my {$300.00} deposit. The company stole my account information charging hundreds of dollars to my account. The Fraudulent actions resulted in illegal charges of {$140.00} dollars in financial charges, XXXX dollars of fees and the dilution of the security deposit. <P/>This company has illegally submitted negative information to the credit report agency. The company has diluted the security deposit ( {$300.00} ) but, states on the credit report a balance including the {$300.00}. <P/>The previous complaint has n't resulted into a sensible response. The company has admitted to not researching the Fraudulent charges that was made my their employees in a timely fashion. The company previously admitted to illegally charging finance and annual fee to the closed account. Lastly, Elan Financial stole the account deposit without submitting the legal federal paperwork. The security deposit account was in my name with US Bank,  this company dilute the account without filing papers with the court.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EOS Holdings, Inc. (CA)

XXXX XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} EOS CCA XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (WA)

Im in the process of trying to close a mortgage through Quicken Loans, Rocket Mortgage conventional product 3 percent down w2 buyer 19 % HDR, purchase price $ XXXX appraisal $ XXXX first time buyer. Originally when we discussed the loan I was specific that I was looking for something without mortgage insurance. As we were hurting through the process by the sales rep asked to commit to things while he was on the phone not really giving us time to review documents as intended somehow ( because 3 % down ) we are required MI and are entering into first time buyer program. When I complained to the second representative a processor that contacted me she said she couldnt go any farther until Ive discussed this with the sales representative. He of course wasnt sure how I got confused that he wouldve never said there wouldnt be a mortgage insurance. I frustratingly accepted the fact other than my conversation with every other lender and person was very specific about this that maybe he didnt hear. Im told there is no conventional 3 % down product without MI so Im fine with that just feel in complaining Ive somehow upset the company and now Im fighting tooth and nail every document submitted to be sufficient. I took my first time buyer class using the copied and pasted URL provided the stipulation and was told I needed to take another HUD approved class. Upon pushing back this was satisfied. I connected my bank statements to the account for assets which was sufficient for income but not for Ernest money or funds to close. Im told I didnt provide part of my savings statement, again which are connected to the loan, for XX/XX/XXXX -XX/XX/XXXX. The request was 2 months bank statements and XX/XX/XXXX isnt even over so I provided XX/XX/XXXX and XX/XX/XXXX. I also provided the XX/XX/XXXXmonth to date in a screen capture of balance so highlighted this and put it back into this new stipulation. Im told they are missing {$500.00} to close when my account balance is {$3500.00}! over what they are asking for. It just seems Im being punished for feeling like I wasnt given the full picture or what the mortgage was in the beginning and with my closing date of XX/XX/XXXX I am worried about closing. The agent on the file for the seller was reluctant to take our offer amongst the others because 3-4 customers in the passed had horrid closing stories if they made it at all because of similar situations by this lender. Something needs to happen to ensure proper handling or understanding and training to make sure people are focused on approval and closing not denying or checking a box on a shirt. Please help me understand or close my loan.