davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-28
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)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-09-28
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: WELLS FARGO & COMPANY (TX)

I called Wells Fargo over a dozen times and every representative assured me that everything would be taking care of. I was relieved. But then a year later the inquiry was still there. Again I contacted Wells Fargo on XX/XX/2021 spoke to XXXX from the fraud department she also convinced me that she would definitely take care of it.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I C SYSTEM responded with a letter with the account that was never mine. The account that I was disputing is under XXXX XXXX XXXX I C SYSTEM # XXXX Original Creditor : XXXX XXXX XXXX I C SYSTEM is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CA)

On   XXXX   XXXX   XXXX     I received a voice message on my home phone that " suspicious activity '' was detected on my   XXXX   XXXX   XXXX    Checking Acc ount. I was advised to go to a local branch and close my account and to show  2  pieces of identification. I did so the next business day on  X/XX/17    and my account was closed, a new account opened and a new debit card issued. On  X/XX/17    I was at the bank going over my account and it was noted that {$1200.00} was withdrawn from my new bank account that was set up on   XXXX     by  Western Union.  I had my account immediately frozen, a new account opened, filed a Police Report with  XXXX  Police Department and enrolled in   XXXX   XXXX  . I was advised to not use my home computer and to throw it away as whoever had " hacked '' into my account had m y IP a ddress. A fraud complaint was filed with   XXXX   XXXX   XXXX  . All of these things were done. About a week later I started receiving phone messages from  Western Union whi ch I did not return as I had no business with them. On   XXXX   XXXX   XXXX    , I received a letter from  Western Union  demanding payment for {$1200.00 } ( copies enclosed ). I h ave responded to  Western Union  that I do not know the person that is listed on their   XXXX   XXXX   XXXX     letter and did not authoriz e Western Union to debit  my account for any money.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I called  XXXX  and disputed some inaccuracies on my credit file. These were deleted from my filed and when I called   XXXX   and Equifax they are not wanting to comply. I have inquiries from  XXXX  lenders that I have no knowledge of multiple times in one day.
Consumer complaint received 2020-09-11
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: JPMORGAN CHASE & CO. (VA)

I was the victim of a phishing scam on XXXX XX/XX/2020. It involved purchasing XXXX {$100.00} XXXX XXXX gift cards and I used my Chase XXXX Visa card to make the purchase. I was able to prevent the gift cards from being used and after much effort on my part XXXX XXXX agreed to credit my Chase XXXX Visa card for the full amount of {$300.00}. I have been checking with Chase Bank to see if the credit has been made and today while listening to their own electronic voice account status I was told that three credits in the amount of {$100.00} each were made on XXXX XXXX to my account. When I went to the Chase Bank website and opened my account to verify I could see no record of the credits and we are now three days later. Subsequent calls to their customer service personnel yielded no results. They could not explain why their electronic phone system would indicated that {$300.00} in credits had been made but they could not see any record of the credits in their system. Chase Bank obviously has my {$300.00} credit but is refusing to apply it to my Chase XXXX Visa account. I want them to credit my account for the amount that XXXX XXXX Department store sent as a refund. Their own phone system documents that they received the funds on XXXX XX/XX/2020.
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (GA)

My mortgage loan closed in  XXXX    XXXX  . In  XXXX , it was sold to  PHH M ortg age d/b/a "    XXXX  ''. I received a letter indicating my monthly payment of {$1800.00} due on the first of each month. I set up auto-pay to pay on the  XXXX  of each prior month, over a week before the due dat e. PHH Mortgag e mis-processed my payments and began charging me late fees - {$80.00} in  XXXX  and {$73.00} in  XXXX , despite having been current on my payments.     The first time I called PHH, the rep said I had to pay the fees and then retroactively submit a petition for refund. The second time I called, a supervisor refunded the fees.     I believe these fees are predatory and exhorbitant. Giving customers the run-around on fee refunds similarly takes advantage of consumers.
Consumer complaint received 2020-01-22
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. (OH)

Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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
Consumer complaint received 2020-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OK)

I was divorced in 2004 and I agreed to take the school loans in my divorce. Our loans are consolidated. Therefore, they are wanting to take my tax return and my ex-husbands tax return including his new wife 's income and base my monthly payment on that total income. I have spoke with numerous people and they quote me from {$500.00} a month to {$1000.00}. I am a single mother and have no means to pay that kind of payment. My credit score went down 43 points in one month due to my PHEAA student loan account balance increasing by {$100.00} from {$29000.00} to {$29000.00}.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MO)

On XXXX XXXX within the hour of XXXX I went to Pnc Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX to deposit {$2400.00} I used the inside ATM since the bank was closed an it was a Sunday I used my ATM card to enter the bank I tried depositing {$2400.00} in the Atm but the Atm gave me {$480.00} back of my money an the monitor displayed my other {$1900.00} to be deposited instead of hitting continue I hit cancel the slot where the money come from open the money didn't come out further enough for me to grab I bent down to see what was the problem the money was pinned down on a piece of metal the slot timed out an closed I can hear the machine shuffling so I tried to make another transaction to see if my money would come out that way it didn't I couldn't even make another deposit because the deposit button was faded out I left the inside of the bank an went to the Atm on the outside an deposited the {$480.00} that was accepted as I was going home I called the bank to make a complaint about the ATM incident XXXX XXXX I went to the same bank the address mention above to talk to someone in person as I walked in I noticed the Atm was out of order so I figured they was having problems with the ATM I was able to talk to a banker which she rewrote my complaint an assured me I will get my money a couple days later the back gave me a provisional Loan of the sum {$1900.00} a month later in XXXX they saying the Loan was being reversed due to no error I contacted the number on the letter they all saying the same thing that it was no error I just want to know HOW THE ATM TOOK {$1900.00} AN IT WAS NO OVERAGE IMPOSSIBLE
Consumer complaint received 2020-01-21
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: SLM CORPORATION (MN)

XXXX  has my Sallie Mae loan listed two times on my credit report. They have it listed as a paid charge off. They also have it listed as a collections. It is not in collections. It was sold to a different Company who agreed to delete their tradeline after it was paid.. It was paid and deleted however, now the Sallie Mae is listed in collections.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

FINAL NOTICE! I am writing to express my distress regarding the inaccurate information included in my credit profile. Your failure to maintain reasonable procedures to ensure maximum accuracy in the credit reports you publish is a violation of the Fair Credit Reporting Act ( FCRA ) and federal law. 

I request that you immediately block and remove all inaccurate information from my credit report and provide me with an updated copy. 

Under the FCRA, any disputed item can not remain on my credit report without supporting evidence. I would like to remind you of the following relevant laws : 15 U.S. Code 1681n : Civil liability for willful noncompliance 15 U.S. Code 1681o : Civil liability for negligent noncompliance 15 U.S. Code 1692k : Civil liability for violations related to debt collection practices I am entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ), which states that a consumer reporting agency must provide written notice of the results of a reinvestigation within five business days of completion.

In accordance with the FCRA, any inclusion of late payments or derogatory statuses is a violation of 15 U.S.C. 1681a ( d ) ( 1 ), which excludes reports detailing transactions solely between the consumer and the reporting entity.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (OH)

To Whom It May Concern, The reason for my dispute is AARGON AGENCY XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AARGON AGENCY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) AARGON AGENCY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AARGON AGENCY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AARGON AGENCY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AARGON AGENCY has not even tried to contact me regarding this Fraudulent collection account. Please have them  remove this collection account immediately.
Consumer complaint received 2020-04-02
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. (TX)

I have been denied apartment applications due to id theft on my credit report that XXXX  and equifax refuse to remove even with the documents required to remove ( ID theft report, social security number, and drivers license via mail with tracking number. ) I believe my rights have been  violated and I would like these accounts to be removed immediately.
Consumer complaint received 2020-04-02
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. (MI)

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXXl ; Opened XX/XX/XXXX Balance {$0.00} XXXX   XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} The XXXX ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2024-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (NY)

Hi good morning my name is XXXX XXXX I already file 2 claims with you guys about a debt that they are charging me for stuff i didnt received but i havent heard back from your guys about the decision that was made pertaining to my complaint and my next court date in coming up on XX/XX/XXXX the last XXXX of my social is XXXX I really hope you guys can split justice so i can rectify things with these people please get back to me so I can know wats the next step if i should get a lawyer or something thank you and have a nice day.
Consumer complaint received 2019-06-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX  XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX   XXXX XXXX  XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX ; And to Equifax via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NY)

I received a solicitation from American Express for a personal platinum card product several months ago. The offer suggested that if I spend {$3000.00}, I would receive XXXX membership reward points. I made a single purchase of about {$4000.00} to XXXX for my family 's yearly home insurance bill. I received the XXXX membership reward points but they were taken away from me on XXXX XXXX. I have called American Express 4 times and told that my spend was not eligible for the bonus. I have been a customer of American Express since 1998 and feel ripped off. If the points are not returned, I will cancel all my cards - I spend about {$300000.00} per year on them.
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Neon Newco Corporation (IL)

Bank : Netspend Prepaid Debit Card Services Email : XXXX Telephone : XXXX On XX/XX/2020 I had a stay over at a XXXX  XXXX  in XXXX, Georgia. When I checked in I was charged {$110.00} and was told a {$25.00} deposit would be refunded to my account after checking out. I checked out of the hotel on XX/XX/2020 and received a receipt to show the hotel only billed my debit card {$92.00}. I never received the deposit and the bank is refusing to refund the money. I called the hotel and was told they released the {$25.00} and to contact the bank again because they would have to release the funds into your account. I tried to resolve this issue with the bank several times and every representative I speak with put me on hold and never return to the phone. I have been hung up on by a representative 3 times after waiting over an hour to speak to someone. Each Customer service sound very incompetent, the last representative was looking at the wrong transaction and would not listen to me moving forward and when I calmly ask to speak with a manager or supervisor she placed me on hold for a long period of time then disconnected the call. I attached the receipt from the XXXX XXXX XXXX XXXX, the text message receipt of the transaction from Netspend Prepaid debit card services, and of the last call to show how long I was holding before and after the representative hung up on me.
Consumer complaint received 2020-04-02
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX    XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX   XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}
Consumer complaint received 2020-04-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (IL)

I am seeking COVID-19 hardship forbearance as provided in the CARES Act. My servicer is TIAA Bank. To request a forbearance, they require you to print out and complete a form and fax or mail it to them. I completed the form and went to a XXXX XXXX to fax it, which I did on Monday, XX/XX/2020. I called TIAA Bank on Thursday, XX/XX/2020. The woman I spoke to said the missed payments would have to be paid in a lump sum in the month following the end of the forbearance period and that this was XXXX XXXX 's interpretation. She further said that, if you couldn't make the payment ( reflecting the sum total of all the previous months ' payments ), you would have to get a loan modification.
Consumer complaint received 2020-04-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (OR)

Wells Fargo services my commercial loan. In XXXX of XXXX, the tenant in the building failed to pay the real estate property taxes which are required by the lease. In XXXX of XXXX the tenant filed bankruptcy status and closed the business. Wells Fargo was required to monitor and manage the loan and insure that property taxes and insurance was continually paid up. Wells Fargo failed to identify that the tenant did not pay the property taxes and now I'm stuck with a {$27000.00} bill for their property taxes. This is a horrible lapse in servicing and Wells Fargo should reimburse me for this expense incurred due to their business failure.