davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (AL)

I cancel my insurance policy with the XXXX and was told that I would received a refund back for the unused portion of my insurance in the amount of {$99.00}. I waited some time for the refund and didn't receive it. I called the insurance company and was told the refund was refunded back to my debit card ending XXXX. I advised to them I no longer had that account. They advised that the funds were sent to the bank and they still have the money. The XXXX sent and the money was approved and received to Wells Fargo on XX/XX/XXXX attached is this dispute is a copy of the receipt. I called Wells Fargo talked the first week of XX/XX/XXXX with a rep who advised my checking account was closed and he didn't see any funds being refunded and that the XXXX didn't really send the money. It " may '' have been approved but they hadn't sent the money. The following day I called back my old insurance company. The rep said no the money was refunded and that can send me the proof it was sent and that the bank has it. Receiving the email.. I called back to Wells Fargo and talked with another rep that states that he saw the entry but since i don't have a checking account its just there when asked about why they didn't return the funds back since my checking account is closed. The rep couldn't give an answer other than they weren't aware of the fund being there. i explained this wasn't my first call and asked again if there is no checking account why didn't they return the funds back to the XXXX so they can cut me a check, which they are waiting on the bank to do. I got another excuse about showing that my account was closed when he had access to this information already.
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CFPB requested questionable but additional information on XXXX. I provided what I could by fax. The document is not showing any signs of upload or attachment. THis is the twenty first time since XX/XX/2012 such kind of bias had happened. It always followed a pattern. When ever I contacted other bad agencies like FTC or especially the XXXX XXXX or some anxious ombudsman representatives, the documents would be concealed or misused by breach. Would that be the reason why America chose to investigate the sitting president and/or bad guys for robbery scandal?
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The following inquiries listed on my credit file that was observed by me were not authorized/ consented and are fraudulent. Below are the listed Hard Inquiries that are on my Equifax credit report. I am requesting for deletion of these fraudulent unauthorized inquiries. 

Equifax XXXX XX/XX/2021 XXXX XXXX- XX/XX/2021
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I noticed an account on my credit report from ProCollect in 2015 for an apartment complex that I have never lived in. I have been disputing this with ProCollect and the credit agencies for years with no progress. Not only is the debt not mine, but it is also duplicated on my credit reports. I have submitted documents of proof of residency during this time, but ProCollect still will not have the items removed from my credit report and continue to make attempts to collect the debt. I recently contacted ProCollect, the orginal creditor and the credit bureau to provide me with a validation of the debt in the form of the original lease, cancelled checks for rent and/or money order receipts to show proof that I lived there, which none are able to provide. I don't know if this was identity theft or something that the collection agency just came up with. I have had no other problems with any other companies reporting any type of debt during this time. And since no one can provide me with documents to validate the debt, I have to assume that ProCollect has simply put this on my credit report in error, or deliberately. Although ProCollect has stated over the phone that the accounts appear to be duplicates, they will not even remove one of them, which will at least decrease my debt balance. However, both of these accounts need to be removed! They are not my accounts. ProCollect finally said today that they would possibly remove the duplicate account but I would still be responsible for the other account. They said that I needed to provide them with an identity theft affidavit, in order for them to even consider looking into the other account. However, without them providing me any documentation of the lease or payments to verify that someone else used my information ; I don't feel right swearing to identity theft, when I don't know if that is the case. I do not know how they got my information and I can and have provided proof of my residency elsewhere to the credit bureaus. I do not feel comfortable giving ProCollect any more information than they already have about me, since I don't know how they got my information. The amount that they are showing owing on both accounts is {$6600.00} for a total of {$13000.00}. These accounts need to be removed immediately from all three credit bureaus!
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GreenSky, LLC (CT)

GreenSky Finance Company is knowingly trying to collect on a loan that is the result of identity theft committed against me. My wife applied for a home improvement loan and was turned down. Her maiden name is XXXX or the same last name used when my good credit and Social Security number was used for obtain a loan fraudulently. I don't know the specifics but what is absolutely 100 % true is that a loan was done with my social security number without my permission and without my knowledge. Due to the fact that my name or XXXX XXXX is unusual either the finance company or the sales person used my wife 's maiden name so that the identity theft would not become apparent to myself or others for as long as possible or never at all. I've enclosed the letter that was sent to me after the finance company was given my a police report and information about how 4 counts of identity theft was committed against me in the last 2 years ( as I proved to them ). I told them that threatening to ruin my credit if I didn't pay an identity theft loan was legal extortion or putting a XXXX to my head and making me pay on an identity theft loan earlier today or on XXXX, there response was to text me and threaten to ruin my credit!! They used information I gave to them about how my financial future depends on good credit and about having a family to feed and XXXX wife and they used it against me!!!!
Consumer complaint received 2018-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AL)

I contacted Experian on XX/XX/year> to see why my newly created account was inaccessible despite requesting it being reset by both text and email. I wanted to place a credit freeze on my Experian account to prevent fraud since the nations social security numbers were all breached last week. The agent was very unhelpful, arrogant and rude. He said because I was XXXX without any credit and history, he was unable to give me access to my Experian account. In addition, he said he could put a freeze on the account so fraud couldnt happen which I agreed to but then he said the physical address I have lived at for 4 years was not correct. To which I said how can I have no credit file or history but an incorrect address is listed. The agent then said the only way anything to unlock the general Experian account, as well as put a credit freeze on it since I am only XXXX, I would have to send original birth certificate, passport, proof of address like a bank statement to Experian and then they could help me. This is a fraud accident waiting to happen if this information is sent in and no guarantee I would get it back. This is absolutely ludicrous! XXXX are very prone to getting their identity stolen for years and when they finally turn XXXX XXXX XXXX, if nothing has been stolen, it is nearly impossible to freeze credit without compromising their identity! Experian needs to be able to verify the person requesting an account and wanting a freeze like XXXX does. XXXX has the person call in, while the client is on the phone, they send a verification link in real time, the client then uploads a valid ID like passport/drivers licenses and then they ask for a selfie, all through a real time link to prevent fraud. Once this is instantaneously received, the credit bureau is able to verify identity and allow the client to establish their account and freeze there credit. Experian holds so much power for themselves and not the consumers! This has to be fixed. I will be contacting my congressman!
Consumer complaint received 2019-09-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

Kinum Inc has been phoning this number and using abusive and threatening language. In addition they have severely inflated the amounts claimed. The agent was loud and aggressive threatened to take action if I did not settle the debt now without discussing the matter. I PAID THE AMOUNT TO SETTLE THE DEBT BUT DID NOT RECEIVE A RECEIPT FOR THE AMOUNT PAID.
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

Summary : Equifax is blocking me from accessing my account ; when I try to go through their verification process, they ask me questions that don't apply to me. I think there is a problem in their file that has me mixed up with someone else. 

Long version : I have a credit freeze through Equifax. Today ( XX/XX/2021 ), I attempted to temporarily lift the freeze. I am unable to access my online account ; when I try to log in, I get a message asking to call their Customer Care team. When I call the listed number, I go through a long, automated phone tree process that includes identity verification. When I get to the end ( after a full 10 minutes of answering questions ), they tell me that they're unable to help me but I can fax or mail them some documents. No clear instructions on what documents or how to give context. 

I've run into this several times in the past ( at least twice in previous years ) when attempting to verify my identity. I'm able to successfully provide correct information about my current and past addresses, etc, but eventually get to a series of questions about loans. They ask me questions about auto loans, student loans, and mortgage loans that they believe I've held. None of the questions apply to me ; Ive never held any auto, student, or mortgage loans. I answer " none of the above, '' but at the end of the questions, get directed to this mail/fax situation. 

At first, I thought that maybe someone had stolen my identity and opened fraudulent loans. However, my credit score and credit reports don't include any incorrect information that I can find. In addition, I've never run into this problem with XXXX or XXXX. As best I can tell, Equifax has some kind of internal database issue where they mix up my file during the identity verification process, but not during normal credit checks. 

I can provide copies of my documents to verify my identity, but don't want to send this information out into the void without speaking to someone first to make sure I'm doing it correctly. I have never been able to talk to an actual human who works at Equifax on the phone, no matter what numbers I call or what options I select on their phone tree. This problem crops up every time I try to use Equifax, either online or via the phone, and has continued over the course of several years. 

Please help me resolve this issue! I have no idea what steps to take next.
Consumer complaint received 2018-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Voss & Klein, LLC (FL)

This is an attempt to collect a disputed insurance co-payment of some {$320.00} for a health care provider who never saw me after having ordered an expensive, unnecessary XXXX XXXX XXXX XXXX and whose office refused to explain his absence. I did engage in a monthly payment plan directly with the provider at first, but then my internist said I did not need such a test. I have contacted the debt collector to explain that I dispute having such obligation, that the charge was largely already covered by my health insurance, and that I would engage counsel to pursue the XXXX who filed this collection claim, for medical negligence. They continue to pursue me by impersonating a law firm with official looking letterhead and legalese and threatening negative reporting to the credit bureau which they say will result in adverse information on my credit for seven years. This is clearly in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (CA)

I bought an item at Best Buy Stores, and it was 0 % interest for one year. I have very good relationship with Best Buy Stores at XXXX CA XXXX. 
For some reason, I usually get a notification letter or email from Best Buy credit card financial services within 2months, notifying me of my promotion that getting expired. I have been very sick and for this reason, I made a direct withdrawal payment process from account, since I have ran into situations that I don't get my statements from Best Buy credit card company. 
Now, I did never got my statements and did never, never got courtesy reminder letter or email, like I use to, from Best Buy credit card company to alert me of upcoming promotion that will be ending soon, especially with the good relationship I have with this company. 
But to my greatest surprise and shock was that I got an email from Best buy to notify me of applying interest amount to my balance. I called to discuss the issue with services, appealing to have me pay off the balance immediately and to reverse high interest that applied to my account. Also, explained my devastating health issues and challenges. The lady I spoke refused to understand or help out. 
I, requested to speak with the Supervisor and explained the above situations and again, she declined to assist to work out something, even though I appealed and requested to pay off the entire owned on the XXXX and that I never received any courtesy reminder letter as I used to, like I used to. But, it seemed like a clear game and intentional act to avoid notifying or sending a courtesy letter, to enable them apply the high interest to my account. 
Please, I am appealing to Best Buy financial services that I have no source of paying this high interest. My devastating health situations had forced me to loose my full time job and actually struggling financially, physically, emotionally, inorder to make both ends meet. Please, I appeal for to reverse this extra charges and give me the opportunity to pay off the entire amount owed immediately, please that is all I ask for, please. Thank you so much for your cooperation and understanding on this case.
Consumer complaint received 2019-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Hello, my name is XXXX XXXX and I was a victim of fraud from a scam company. I was hired for a company named XXXX XXXX XXXX, XXXX in New York. The company seemed legitimate and they sent me all the information proving that legitimacy. The company did a credit check on me and offered me a position as a regional XXXX XXXX. They were also able to check my credit card balances and told me which credit cards I should start using according to the remaining balance on each. They " hired '' me and told me to start a 15-day trial period using two of my credit cards ( XXXX XXXX XXXX Travel Rewards and Citicard AA Advantage ) to make purchases. They sent me 2 accounts numbers and two routing numbers from the " company accounts '' and told me to pay off these two credit cards. I was supposedly authorized with my name to add that two- account information to my online banking in order to make the money transfers to my credit cards. I paid my credit cards off several times with the funds they " allow me '' to transfer. My banks allowed these payments and I purchased thousands of dollars on XXXX and sent them to the  address they provided me in XXXX XXXX ( I have the name and the address of the person in XXXX XXXX ). For some reason, after two weeks making purchases, the payments I did to my credit cards were reversed ; therefore, now I owe my credit cards the money I used to buy the XXXX. I would like someone to help me what other steps should I take. Thanks in advance, XXXX XXXX cell : XXXX email : XXXX XXXX
Consumer complaint received 2018-02-22
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: WELLS FARGO & COMPANY (NC)

To Whom it May Concern, This letter is in response to your recent claim on regarding Wells Fargo XXXX which you claim has been late in the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has not been updated as needed. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company.

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be  required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/year> a letter was sent for the credit bureau to validate certain debts within the allotted time frame, which is 30 days. The letters were sent certified mail and a return receipt was received on XX/XX/year>. It is now XX/XX/year> and I have not heard anything from the credit bureau.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.