davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
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. (IL)

XXXX, XXXX I noticed multiple accounts, inquiries, addresses and phone numbers on my credit file that did not belong to me. I disputed the fraudulent accounts with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX and received letters from each bank concluding the accounts were fraud and I had no financial responsibility for these accounts because of it. On XXXX XXXX, XXXX I forwarded my police report, victims statement, proof of identity and letters from XXXX XXXX XXXX and XXXX concluding that each account was fraudulent. I sent the dispute via certified mail with XXXX. Equifax received my mail XXXX XXXX, XXXX. As of XXXX XXXX, XXXX each fraudulent account continues to report on my account. I called Equifax today, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX at XXXX am CT and spoke to XXXX. I asked why these accounts continue to report on my Equifax file when I sent all necessary documentation proving it to be fraud. XXXX, who was very rude and abrasive, informed me that the accounts were " verified as being mine. '' I informed XXXX the accounts are fraudulent and are not mine, in addition each bank has agreed to them being fraudulent via the letters I was provided and provided Equifax with. Per my rights with the FCRA, Equifax had 30 days to complete my dispute and remove the fraudulent accounts. I never received any documentation in the mail saying the investigation was complete and the accounts were verified as mine either. I then asked XXXX for a method of verification letter with all certified documents that were exchanged between Equifax and the banks of the fraudulent accounts, as a consumer I have a right, per the FCRA, to be provided this information. I have a right to know what documents were exchanged, who Equifax spoke to at XXXX XXXX XXXX and XXXX, what information was provided to conclude these accounts belong to me, etc all within 15 days of the request from the consumer. XXXX informed me he will not be sending me a method of verification letter, which is violating my rights! If these fraudulent accounts are not removed immediately I will be contacting a lawyer and filing suit, there will be depositions involved and subpoenaing of records and phone calls. I do not want to go down this road however if this matter is not resolved immediately I will do so. This erroneous entries on my Equifax report is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If Equifax choose not to provide the requested deletion or requested method of verification letter I requested of their " investigation '', I will pursue the enforcements of my constitutional rights via federal court proceedings. In the meantime I will like to file a complaint with you all against them. I had no problem getting XXXX and XXXX to remove these fraudulent accounts however Equifax is being difficult even after I provided ALL necessary documents to prove these accounts are fraud.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ct. XXXX
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MN)

Getting my XXXX degree was the biggest mistake of my life. I never would have taken out a single loan if I had known that XXXX XXXX was going out of it 's way to to make XXXX mortgages which were obviously going to be defaulted on and selling them and other credit default swaps which was an obvious time bomb for the economy. I never would have taken out loans if I knew that the bought and paid for politicians from both parties had pushed through legislation making it impossible for me to discharge student loans in bankruptcy while I was already at school and too busy studying to notice. I never would have agreed to be a debt slave to the companies that got off scot free for blowing up the world 's economy and destroying my job prospects and lifetime earning potential in the process. When I signed for these loans the average starting salary in my field was $ 60k. When I graduated right after my lenders trashed the economy I could n't find work in my field for 3 years and when I did I started at closer to $ 40k. Studies have shown I can expect to hang on to that decrease in earnings for at least 20 years while suffering from longer periods of unemployment. XXXX : XXXX I have absolutely no more drive, hope, or ambition. I worked hard did well and got XXXX for my trouble, American Dream my XXXX. I hate everything about this rigged corrupt country. I honestly hope XXXX XXXX or some other country does manage to XXXX us.
Consumer complaint received 2017-09-28
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: Sequium Asset Solutions, LLC (OH)

Hello, I am hoping to resolve an outstanding collection pertaining to an equipment charge for which XXXX XXXX billed me in error. XXXX XXXX acknowledged the oversight in the amount of {$140.00} and adjusted it. By that time however it had been turned over for collection to Sequium Asset Solutions , LLC XXXX XXXX # XXXX XXXX. Having made no attempt to verify the status of the debt with XXXX, Sequium is insisting that the debt is valid after I made them aware of the oversight. Having obtained no help from Sequium, I filed a debt dispute with XXXX. Apparently XXXX directed their inquiry to Sequium rather than XXXX, the original debt holder. Consequently XXXX is saying the debt is valid based on the outdated information supplied by Sequium. In order to resolve this matter, XXXX XXXX the original creditor needs to be contacted as the matter was resolved directly through them, but neither Sequium nor XXXX will apparently do so. 

Particulars : XXXX/XXXX/XXXX XXXX turned over a debt in the amount of {$140.00} that had been incorrectly billed to my XXXX account XXXX for equipment that had actually been returned but got lost on their end. 

XXXX/XXXX/XXXX XXXX adjusted the balance of account XXXX to XXXX and advised that the collection agency would be contacted. I continued to get calls from Sequium and contacted XXXX once more who again verified that the matter was resolved and told me to ignore the collection agency but if they persisted provide them with reference number XXXX. 

XXXX through today. I contacted Sequium to advise them of the resolution and provided them with the reference number provided by XXXX concerning the resolution. When Sequium failed to investigate and resolve the matter I contacted XXXX and requested their assistance ( File Number XXXX ). 

XXXX 's response to my request to investigate was to contact the current account holder listed as XXXX XXXX XXXX and declare the debt valid. After the first time they did this I contacted XXXX and asked that they contact XXXX the original debt holder who can confirm the debt as satisfied. For the second time they contacted XXXX XXXX XXXX formerly known as Sequium Asset Solutions LLCthe current debt holder rather than XXXX and have again declared the collection valid. 

XXXX has and continues to show the adjustment of the {$140.00} however neither the XXXX XXXX XXXX ( aka ) Sequium Asset Solutions , LLC nor XXXX appear to be willing to verify the matter as closed and my credit score is continuing to be adversely impacted. 

I am requesting the assistance of an objective 3rd party to act as a liaison to cross reference the information with XXXX. Only then will it be possible to confirm the debt as closed so that the misinformation now showing on my credit report may be removed. 

Thank you.
Consumer complaint received 2017-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc. (MN)

on XX/XX/XXXX I reviewed my XXXX credit report, which listed 8 different accounts from XXXX XXXX XXXX. I sent a letter to XXXX requesting validation/verification of this debt as I do not believe it belongs to me. I received the results of this report today XX/XX/XXXX, which stated these accounts had been verified by XXXX XXXX XXXX. However, I received no written proof of these accounts as I requested.
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bliksum, LLC (CA)

Someone named " XXXX XXXX '' was calling my cell phone repeatedly. She then began to call my office phone repeatedly. She was harassing me, threatening to sue me, to call my payroll department, and cornered me into giving her a payment arrangement I knew I could not make. I explained to her I am a single mom, sole provider to my XXXX sons and she said I do not have a hardship. " More money more problems '' is what she said. She called me repeatedly since XXXX 2017. She called from various phone numbers. The original loan was from XXXX, who sold the debt to This company. This lady did n't tell me the name of their company. I only know it to be " XXXX '' as that is what shows up on my bank statement.
Consumer complaint received 2017-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NE)

I have disputed this debt plenty of times and have actually had it removed before and now a different company has bought the debt and the amount has changed along with the actual reporting practice to the credit reporting bureaus XX/XX/XXXX it was removed from my file through me disputing it then it reappeared under a different agency in XX/XX/XXXX for a different amount i disputed it again and was successful. the debt returned in XX/XX/XXXX as well as XXXX it was on my report from 2 different companies and 1 company was removed inXX/XX/XXXX i am wanting this removed from all 3 of the credit reporting agencies for illegal practices and also validation as this address is not valid on my reports
Consumer complaint received 2017-12-23
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: SYNCHRONY FINANCIAL (TX)

A non-requested, unapproved, possibly identity theft hard inquiry or opened account was made by and through : XXXX/WALMART XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2017-11-17
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank SXXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (TX)

I had a credit card that was secured. 
It was closed as I did not pay on it. 
But they did not allow this option for me when I did have funds to begin paying and called over the phone several time but get no where with them. 
now it is on my credit report listing incorrectly an amount owed? 
My secured amount was XXXX I owe XXXX as they have the secured amount?
Consumer complaint received 2017-11-17
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. (FL)

I was a victim of fraud. I did the proper paperwork with the police department and Ftc. I submitted a list of accounts, the police report, ID and proof of address. I submitted this information on XX/XX/XXXX. XXXX and XXXX removed the information in less than 5 business days. Equifax has refused to review the police report, supporting documentation etc. They told me that the have to verify it from the creditor and not the police report or affidavits. This is a clear violation. I spoke with a manager on XX/XX/XXXXaround XXXX est and was advised could take another 30 days. In the meantime my ability to pass a background check for employment as well as extensions of credit is greatly impeeded.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo just decided to close my credit card with out my prior approval. They are stating that my card has over six months inactivity. I have paid off my Wells Fargo card and have a zero balance, therefore I do n't understand why they closed my card?! The letter Wells Fargo sent me ( dated XXXX XXXX, 2016 ) also indicated " High Balance ( s ) as compared to the credit limit ( s ) or revolving line ( s ) of credit on credit report. '' Another reason is " Low payment ( s ) as compared to balance ( s ) in the last year on your Wells Fargo credit card ''. This makes no sense, since all payments have been timely. I have paid off all my credit cards including the Wells Fargo card in order to avoid debt and this is what I get?! I called the Wells Fargo customer service line on XXXX/XXXX/2016 and they were unable to help me ; the representative said that I needed to call XXXX. I will try them again tomorrow to see if they can reinstate my card. This is very unethical to say the least! Banks should not unilaterally close your cards as a sort of punishment for simply paying them down to zero. Please HELP!!!
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MD)

American Express has been delivering our monthly statement around the XX/XX/XXXX of  each month and charges a {$38.00} late fee for payments not received by the XX/XX/XXXX of the next month. This has been an ongoing issue with XXXX for about three years. 

We received our XX/XX/XXXX statement on XX/XX/XXXX. 

I have contacted American Express three times on this issue. They have waived my late fees but have refused to address the problem. I have never missed a payment and always pay my full balance each month. My credit rating is excellent.
I do not believe American Express is following the Federal guidelines for time required for consumer payment and I believe American Express is intentionally profiting from their improper behavior. I believe American Express should refund all late fees to all consumers who have been improperly charged by American Express 's intentional misconduct.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: DISCOVER BANK (PA)

I have spent many hours calling Discover in attempt to resolve their derogatory items on my credit report. Nobody has given me a clear explanation of the reason for the late payments reported to my account. Their representative scheduled my payments over the phone and then Discover increased my interest rate so that the payments would be inadequate. Regardless, this difference should have been nominal and I do n't believe I was ever more than 60 days late. In addition, a Discover representative specifically told me to disregard any notices from Discover about late payments. When I spoke to managers at Discover who had reviewed calls I made to Discover, they acknowledged that their representative told me this, yet refused to correct my credit report. Furthermore, it is impossible to monitor the status of my accounts because their website reflects payments in a convoluted manner and even when I have called, the representatives have not been able to explain how my payments were allocated.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I like to inform the CFPB on the three major credit bureaus in this case my Texas Repossession Right has been violated. Under Texas Repossession Law the past owner of the car must be notified and given an opportunity to reclaim the car. The past owner of the car must also, be given the opportunity to attend the sale of the car. The past owner should be able to retain all belongings left in the car as well. If there was a deficiency balance the past owner should get a letter in the mail for that as well. In my case, the car was sold and I was not notified of the date, location, or time of the sale. In this case, based on my Texas Repossession Rights, I have been violated. At this time I like to make this known and looked into. Also, I do n't owe any money to the lender after the return of the car. This vehicle was a lemon car and should have never been sold to anyone.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I was on the IBR plan and i got a letter approved and my payment was {$57.00} and then next thing i knew i was getting notices saying i was behind on my payments. now they raised it to almost {$80.00} a month. i filed bankruptcy in 2010 for hardship and have still tried make payments and be honest.
Consumer complaint received 2017-09-28
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)

Equifax is not properly investigating a matter with XXXX XXXX XXXX. I have a XXXX balance with XXXX and XXXX is still saying I owe on this account and have a chargeoff which is not true. The account balance saying owed approximately {$17000.00}. Equifax needs to send a representative to manually check the records of XXXX so that it can be reflected on my credit report that I have a XXXX balance. XXXX is lying about this account so Equifax needs to properly investigate and this account needs be updated to a XXXX balance immediately.
Consumer complaint received 2017-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

CITIBANK AA Credit Card XXXX 2017 Statement I did a balance transfer approx XXXX XXXX with zero interest early this year. while paying it off monthly with more than minimum payment requirement, I have not made any new purchases. 

When the annual membership fee came in ( {$95.00} ), it was treated as a purchase, and so I was charged interest. 

I called a representative when it first happened and that interest was credited ( XXXX XXXX ) the following month, they charged me again with interest membership fees should not be treated as purchase