davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

XXXX XXXX XXXX ACCOUNT # : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX The original company is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX school has been settled. Enclosed is the letter from XXXX XXXX that account has been paid in full. One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX XXXX ACCOUNT # : XXXX One account was reported by two collections agencies, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They reported one account in different assigned account numbers. Account XXXX and Account XXXX are for XXXX XXXX XXXX and the bill has been paid ever before these collection agencies reported it. 

XXXX XXXX, XXXX XXXX XXXX ACCOUNT # : XXXX ; XXXX ; XXXX ; XXXX FOUR DIFFERENT ACCOUNTS I contacted XXXX XXXX XXXX on Tel : ( XXXX ) XXXX. I spoke to Ms. XXXX XXXX. She wants me to contact XXXX XXXX to produce itemized statements and signatures that shows why they put my name with Equifax. XXXX XXXX XXXX XXXX is a billing company that is located in XXXX XXXX. XXXX XXXX XXXX, IL XXXX. It is not a medical /Health as claimed by XXXX XXXX. They are not mine. XXXX XXXX uses XXXX XXXX XXXX  to post same derogatory credit reports. Please investigate XXXX XXXX XXXX. This company has no base in XXXX or XXXX county. 

XXXX ACCOUNT # : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX I contacted the company. The collection department rep was not aware why they placed this account on my personal credit. He claimed it was erroneously placed. It is a business account that has many shareholders and I am one of them. Account belongs to XXXX XXXX, XXXX Telephone number XXXX. 

XXXX XXXX ACCOUNT # : XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX I contacted XXXX XXXX to produce documentation from XXXX but only sent me bill that XXXX claimed that I owed. I do not owe XXXX any money. My contract has expired, all bills paid and equipment returned to XXXX. My daughter XXXX XXXX signed the contract with XXXX and I assumed the contract. XXXX XXXX needs to produce signed contract for my daughter and I or else remove the derogatory from my report. The bill produced by XXXX was not enough evidence that I still owe any bill with XXXX. XXXX billing system continues to generate bill and that was the one XXXX claimed I owed.
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY (CA)

Today XXXX XXXX I was left a voicemail stating an urgent legal matter. I called the number that left the voicemail XXXX, they been calling family members from a XXXX. I spoke with a women who said she needed to download my file but was not telling who the creditor was, she tells me the file is from Wells Fargo, a debt from XXXX During our conversation she proceeds to mock me, because I was confused and irritated by the unprofessionalism, she tells me that I need to go to court and pay my bills.before hanging up she cursed and hung up. I attempted to call back at least fives times and nobody has taken my call. They have reached out to family members leaving the same voicemails.
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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 Inquiries 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
Consumer complaint received 2017-09-09
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. (TX)

Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur during XX/XX/XXXX through XX/XX/XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (CO)

XXXX Database Breach Announced XXXX XXXX 2017 My personal, private information was compromised due to a lacking in their security. 

XXXX XXXX XXXX
Consumer complaint received 2020-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX    XXXX XXXX XXXX XXXX, 01 XXXX, 09 XXXX XXXX, 10 XXXX XXXX, 10 XXXX XXXX XXXX XXXX, 11 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 Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I received correspondence from TransUnion that the inquiries that was recently disputed is not placed on my credit report. However, after obtaining a copy of my report the inquires remain the same. I have tried to resolve this by calling the creditors letting them know that this occurred without my knowledge and I have been having issues with fraud for the past 3 years. The creditors said that they had notified TransUnion of this and it is TransUnion who should make these changes by removing the inquiries : XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Oil companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX DEPT OF ED Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Consumer complaint received 2017-09-09
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: Experian Information Solutions Inc. (SD)

On XXXX XXXX, 2017 I was alerted of the XXXX breach, when checking their website to see if I was affected. The website stated I was part of the breach. A report states my social security number, name, address, and potentially credit card number is now public.
Consumer complaint received 2017-09-09
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. (MN)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

I also tried to use their services to submit a fraud alert and the website repeatedly failed to submit my information. This blatant consumer abuse needs to stop.
Consumer complaint received 2024-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (LA)

My debit card and cell phone were stolen on Wednesday XX/XX/XXXX. I went to the bank, Hancock Whitney Bank, on Thursday and told them my card and phone were stolen and they pulled up my account. Many charges had been made, including transferring {$3000.00} from my savings account to my checking account. Then the thief sent money to herself via XXXX and XXXX XXXX transfers. 
All charges and transfers happened late the night of XX/XX/XXXX and the early morning hours of XX/XX/XXXX. 
I filed a claim with the bank and they DENIED my claim, stating my mobile app having XXXX XXXX and there is no way for them to know I didn't make the transactions. I have no idea how someone was able to get into my XXXX without my face or passcode. But they did. 

I also filed a police report with the XXXX XXXX Police Department - Item # XXXX List of purchases and transfers : Debit XXXX XXXX XXXX XXXX XXXX {$10.00} XXXX payment XXXX XXXX XXXX XXXX - {$300.00} XXXX payment XXXX XXXX XXXX XXXX - {$700.00} Online transfer from savings - {$1000.00} XXXX Payment XXXX XXXX XXXX XXXX XXXX {$400.00} Debit XXXX XXXX XXXX XXXX  - {$37.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$500.00} Online transfer from savings - {$2000.00} Debit Payment sent XXXX XXXX XXXX - {$100.00} Debit Payment sent XXXX XXXX XXXX XXXX {$20.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX XXXX {$50.00} Debit Payment sent XXXX XXXX XXXX - {$20.00}
Consumer complaint received 2020-05-27
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)

I paid my full balance on my Citibank card on XX/XX/XXXX {$1700.00}. I was contacted by then that I still incurred a late fee. So I paid this on XX/XX/XXXX. My account was closed and I was assured by them that it would close my account. I no longer had access to online banking. Much to my dismay I kept incurring late fees. Up to {$67.00}. The only way I knew about this was they sent a text message. I received no mail notification. They refused to reverse any of these fees. I paid the full balance again today but they could not reassure me that I still would not incur late fees. I am going through a Mortgage selling and purchasing and they would not report me for late payments to the credit bureaus. I spoke to XXXX people including the escallation team. None would help me.
Consumer complaint received 2020-05-27
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: Experian Information Solutions Inc. (MS)

I have reached out to XXXX, experian and XXXX  to resolve this matter, however they are have not tried to resolve this matter. They claim that they verified these accounts with the original creditor, however, XXXX NEVER responded to my debt validation demand, and according to XXXX XXXX, they NEVER conducted an investigation. Furthermore, i have sent 4 letters to all three bureaus pointing out the inconsistencies and these accounts continue to report negative on my credit report.i have enclosed all the letters sent to the credit bureaus and the collection company. Furthermore, neither company has been able to produce documents proving that i owe the debt. i also have asked them on several occasions to delete the incorrect address, as they can jeopardize my identity because i know longer live at those address, and they refuse.
Consumer complaint received 2018-09-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GLOBAL CLIENT SOLUTIONS, LLC (WY)

Around XX/XX/2016 I received a call from Global client solutions saying they would get debt relief for my student loans. They say their fee was {$990.00} and I could pay it in monthly payments ( to which I have paid them in full ) They said they would file the paperwork for me to not have to pay for the loans unless I was making more than {$30000.00} a year because I was considered to be low income. Since then I have not made payments for my student loans because I thought I didn't have to that was until I recently received a letter from the department of education saying they would be offsetting my federal income tax return for nonpayment of the loans. I researched this company and found that they have been sued for this. They lied about their abilities to get my loans forgiven/ deferred
Consumer complaint received 2018-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (PA)

National Recovery Agency placed negative item on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Request National Recovery Agency to remove incorrect information off my credit report. More importantly, National Recovery Agency are in violation of FACTA section 623 ( A ) ( 7 ).
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CO)

I had a lease that i had to break because i was diagnosed with XXXX and had to move for treatment. I sent them a letter but because the letter wasn't certified then they said i couldn't break the lease. They did rent it out after i moved out though and then charged me XXXX to a collection company.. They have refused to send me a letter detailing why it was so high. I've tried to negotiate and resolve the matter to no avail and it is now keeping me from buying a house. Please help.
Consumer complaint received 2017-08-16
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: SYNCHRONY FINANCIAL (MO)

I received a call from my Sam 's Club credit card provider on X/X/17 about verifying potential fraudulent charges. I logged into my account and noticed that there were indeed fraudulent charges taking place in another state ( Florida ... I live XXXX XXXX XXXX, Missouri ), dating back to mid-XXXX. I called the number on the recording to ask why I had not been notified sooner and to log the charges as fraudulent ( there were approximately 40 transactions totaling around {$1000.00} ). The representative informed they would send out a packet to let me verify that all the charges were accurately recorded and certify that they were fraudulent, then investigate, and if they found out they were fraudulent, my account would be credited. Today ( XXXX/XXXX/XXXX ), I reached back out to the fraud department to let them know that I had not received a packet, and they informed me that the investigation was closed and that they would credit my account in the amount of {$270.00}. I asked how they arrived at that number and expressed my dismay that I had not gotten a chance to verify that all the fraudulent charges had been properly recorded. They told me my only option was to re-file the fraudulent charges ( even though they took away my access to the old statements and charges ) and that the investigator would be encouraged to reach out to me. My cardmember agreement states that I am not responsible for fraudulent charges, and the way this was resolved, I am being held responsible. I will re-file the fraudulent charges, but would like some help and guidance on how to resolve this matter.
Consumer complaint received 2020-05-27
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: V.I.P. MORTGAGE, INC. (TX)

XX/XX/2020 we put a contract in on a house and put ours up for sale XXXX XXXX  with V.I.P mortgage gave us an approval letter so we put our home on the market. We give XXXX the sellers net sheet so he knows what hes working with he looks at it and says we are good to go. A couple weeks go by stuff changes with the sellers net sheet. I call him to give him an update he acknowledges says we are good. Another week goes by and I try to contact him again XXXX will not respond to calls or texts from me my realtor or the sales agent for the new home. He will not give us any documentation as to what funds we need to close etc and we tried for weeks to get them with no response. I try calling the office and his assistant XXXX XXXX says my question needs to be answered by XXXX and to give him a call. Finally we get a response from XXXX saying that he does not want to take my loan because hes tired of the texts and calls.. if he wouldve responded to us we wouldnt have been calling him. I have a family to worry about I needed answers especially since our home was already sold and we got the run around from him. He then lies to his company and said I wanted to go with another lender and that was a lie. He also told us the appraisal was ordered but when I talked to the va they told me it was never ordered. Of course we were forced to go with another lender so now we are not on track to close and unfortunately I have to move out of my home for a week before I can even move into my new home
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

Once again, I'm not able to get in contact with equifax about getting my online account unblocked. I can't get a hold of them due to the hold time etc. It seems the other credit bureaus are much easier to work with myself and get a hold of. I sent a complaint # # XXXX a while ago and it was resolved on XX/XX/XXXX. According to them, I needed to send in a package showing two forms of identification including my social security and letter of instruction on what I'm requesting. I provided them with the information they requested back in XXXX. I haven't heard back from them nor have I been able to get into my account online. When I try to reset it online, I'm getting an error message that I have the incorrect information. All I'm requesting from them is to reset/unblock my account online so I can have full access that way I can either remove or add the security freeze on my credit report.
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (WA)

I logged on to my XXXX XXXX account today and saw a new account in collections. It was a different collection agency but the same account that had already been removed previously because I didn't take it out. The new company is called XXXX XXXX XXXX who are collecting for XXXX XXXX. They say I opened the account in XX/XX/2017. Which I know for a fact wasn't true because I wouldn't open a new credit card account ( and wouldn't be able to ) when I had lost my job and was being evicted. I call and they tell me that I bought new tires for my truck, which I didn't. The only truck I have hasn't run properly in five years, I am not putting thousand dollar tires on a truck I can't use. It has already been removed as fraud, now they are just harassing me and putting it on each report over again, weeks before I buy my house as well!
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i have submitted several letters to the XXXX, Transunion, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX   and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX XXXX.